Loura Advisory

Business financing

Business Financing for Singapore Companies

One review, every route. We look at what your business needs, what it can afford, and which type of provider genuinely suits you — then we build your case properly before anyone sees it.

Loans we can help with

Each of these is matched to your actual situation, not picked off a shelf.

Business / SME Loan

Working capital, expansion and cashflow financing for SMEs.

Secured Loan

Larger facilities supported by property or business assets.

Refinancing Loan

Restructure business, personal or property commitments.

Business Loans

Unsecured and secured term lending, sized to serviceable cashflow.

Working Capital

Cashflow, payroll and operating headroom facilities.

Business Expansion

Capital for new outlets, capacity, hiring and acquisitions.

Debt Refinancing

Consolidate, re-term and repair an over-geared debt stack.

Trade & Invoice Financing

Fund the gap between delivery and customer payment.

Equipment & Asset Financing

Machinery, vehicles and plant, financed against the asset.

Project & Renovation Financing

Progressive funding tied to project milestones.

Documents usually needed

A complete file makes the biggest difference to how your case is received. Here is what we usually ask for.

  • 6 months of business bank statements, all operating accounts
  • 2 years of financial statements
  • 2 years of Notices of Assessment for each director or guarantor
  • Credit Bureau Singapore (CBS) report per guarantor
  • Credit Bureau report where relevant
  • ACRA business profile
  • NRIC of directors and shareholders
  • Debtor and creditor ageing lists
  • Purchase orders, delivery orders and key contracts where applicable
  • Existing loan letters and repayment schedules

How a case moves

  1. 01

    Understand

    We review your documents and understand your business position.

  2. 02

    Assess

    We check this against current bank, private funder and other provider criteria.

  3. 03

    Structure

    We recommend a structure sized to what you can afford to repay.

  4. 04

    Prepare

    We put your case together properly.

  5. 05

    Submit with you

    You approve the shortlist. Nothing is sent without your go-ahead.

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.