Business expansion
Financing for Business Expansion and Growth
This loan is judged on what your business will look like after you spend the money, not just how it looks today. We build your case around what you can afford to repay once the new outlet, team or capacity is up and running.
Sized to what the business can afford to repay
- Indicative amount
- Varies by provider — contact us for an assessment
- Interest / fee structure
- Varies by provider — contact us for an assessment
- Repayment tenure
- Varies by provider — contact us for an assessment
- Processing time
- Varies by provider — contact us for an assessment
Amounts and terms depend on eligibility and provider assessment. Response time is not approval time; no approval date is promised.
Where this facility fits
We start with the commercial problem you are solving, not with a product name.
New outlet or premises
Fit-out, deposit, initial stock and the runway until the site is trading well.
Adding capacity
Extra production lines, shifts or warehouse space to serve demand you already have.
Hiring and entering new markets
Funding a sales or delivery team before the revenue they bring in arrives.
Buying a competitor
Buying revenue rather than building it, structured around the combined cashflow.
Regional expansion
Working capital to support overseas orders, longer payment terms and currency exposure.
Franchise or multi-site rollout
Funding released in stages as each site opens, rather than one large lump sum.
What does it cost?
Provider interest and charges
Check whether the rate is annual or monthly, flat or reducing-balance, and whether repayments include principal. EIR, where published, is separate from the advertised rate. Allow for processing, upfront, annual, legal, valuation and early-settlement charges where applicable.
Loura service fee
Separate from provider charges; no fee is assumed in the estimate. Your adviser confirms whether a Loura fee applies and its amount before you decide to proceed. All provider charges must be confirmed in the offer.
Business Term Loan Calculator
For expansion, renovation, assets and other larger business expenses.
Repayment tenure (years)
Rate basis
- Estimated monthly repayment
- S$9,436
- Total repayment (5 yrs)
- S$566,137
- Estimated interest (5 yrs)
- S$66,137
- Upfront provider fees
- S$0
- Total estimated financing cost
- S$66,137
- Net proceeds after upfront fees
- S$500,000
Illustrative monthly repayment at 5.0% p.a.
| Amount | 3 yrs | 5 yrs |
|---|---|---|
| S$100,000 | S$2,997 | S$1,887 |
| S$300,000 | S$8,991 | S$5,661 |
| S$500,000 | S$14,985 | S$9,436 |
| S$1,000,000 | S$29,971 | S$18,871 |
Repayments include principal and interest at a constant rate. Upfront fees are paid separately or deducted, not added to the loan. This rate is not EIR.
Illustrative estimate only, using illustrative example figures (amounts, rates, LTV and fees) — not verified provider offers, a loan offer or approval. Actual rates, fees, LTV, tenure and approval depend on the financing provider and your assessment. Provider, legal, valuation and other fees are excluded unless shown. Any Loura service fee is separate and disclosed before you decide to proceed.
Typically suited to
- How long the company has been operating
- Revenue and cashflow shown in bank statements
- Existing loans and monthly repayments
- Credit history of the company and directors
- The expansion plan and expected returns
What we will need to assess it properly
No documents are required for the initial enquiry. Additional documents may be requested later.
- ACRA business profile
- Latest 6 months of business bank statements
- Latest financial statements or management accounts
- Directors' NRIC and latest Notice of Assessment
- Business plan or projections (if available)
Expansion loans with strong financials usually go to banks. We look at private funders when timing or structure does not fit bank criteria. Read how the three financing routes differ.
Questions business owners ask
Do I need a business plan?
Not always. However, a short plan showing the costs, the timeline and how the expansion will bring in more revenue helps providers understand your request.
Can I use one loan for several expansion costs?
Often yes. A term loan can cover renovation, equipment and hiring together, as long as the total amount fits your ability to repay.
What if the expansion takes time to earn money?
Tell the provider. Some may allow a longer tenure so repayments stay manageable while the new outlet or project builds up revenue.
Bank said no?
A bank decline doesn’t always mean you’re out of options.
Every financing situation is different. Loura helps you understand which financing route may be suitable for your business or property — and what information lenders may need to assess your case.
- Explore different financing routes
- Understand your options before submitting
- Speak with an adviser about the next step
Loura is an advisory firm. Any financing remains subject to the relevant provider’s own assessment and criteria.
Not sure where to start?
Loura helps you identify the financing route that best matches what you are trying to achieve.
You may benefit from speaking with us if:
- You need financing for a business
- You are looking for working capital or expansion funding
- You are considering refinancing existing facilities
- You need property-backed financing
- You want to understand different financing options before applying
You may need a different solution if:
- You are looking for a purely personal loan
- Your business has not started operating
- You are looking for financing outside our available routes
This is a general guide, not an eligibility decision. If you are unsure, ask us.
Questions people ask
Will applying through Loura affect my credit record?
Speaking with us does not. A credit record is affected when a provider carries out its own checks, which only happens after you confirm a submission. That is one reason we assess your position first.
Can I approach Loura if my bank has declined my application?
Yes. A decline from one provider does not mean every route is closed. We look at why it happened and whether another structure or provider type is a realistic fit.
What types of business financing can Loura help with?
Working capital, expansion, refinancing of existing facilities, property-backed financing, trade and invoice financing, equipment and asset financing, and project or renovation financing.
Can I use property as security for financing?
In many cases, yes. Property-backed financing depends on the property type, ownership, existing mortgage and the provider's own valuation and criteria.
Can I refinance existing business or property financing?
Refinancing is one of the routes we assess. We look at your current facilities, lock-in position and repayment profile before recommending anything.
How much information do I need to provide initially?
Only enough to understand your position — typically your contact details, what the financing is for, and a broad sense of your business or property. Full documents come later, once a route makes sense.
Do I have to accept an offer if one is available?
No. You are free to decline any option presented. Nothing is binding until you sign with a provider directly.
Will my information be submitted to a lender immediately?
No. Nothing is sent to any provider without your explicit instruction. You see and approve the shortlist first.
Talk through your financing position
A Loura consultant will review your position and tell you plainly what is realistic before anything is submitted anywhere.