Financing Guide
Every financing option, explained simply
Find out what each type of financing is for, who it suits, what providers look at and which documents to prepare.
Business Financing
Working Capital Financing
Short to medium-term funds to keep daily operations running smoothly, such as paying suppliers, staff and rent while waiting for customers to pay.
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Business Term Financing
A fixed amount borrowed and repaid in monthly instalments over an agreed period. Common for growth plans, renovation or larger one-off costs.
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Trade Financing
Financing that helps you pay suppliers for imports or local purchases, then repay once goods are sold or customers pay.
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Invoice Financing
Get cash early against unpaid invoices instead of waiting 30 to 90 days for customers to pay.
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Equipment Financing
Spread the cost of machinery, vehicles or equipment over time. The equipment itself often supports the financing.
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Funds for opening a new outlet, adding capacity, entering a new market or hiring a larger team.
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Financing to buy over an existing business, a shareholding or a competitor.
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Business Debt Consolidation
Combine several business loans into one facility, potentially with a single monthly repayment that is easier to manage.
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Alternative Business Financing
Options from finance companies and private funders when a standard bank loan is not suitable, for example for younger companies or urgent needs.
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Property Financing
Explore purchase, refinancing and equity-release options, with residential, commercial and industrial requirements explained separately.
Learn MorePrivate Property Loans
Financing for private condominiums and landed homes: purchase, refinancing and equity release, assessed under the applicable residential rules.
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Commercial Property Loans
Finance approved offices, retail units and commercial premises for your own use or investment, with commercial costs and assessment explained separately.
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Industrial Property Financing
Financing for factories, warehouses and industrial units, with remaining lease, approved use and business repayment capacity checked before you commit.
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Compare replacing a property loan with repricing at your current provider, including lock-in, fees and repayment trade-offs for the relevant property class.
Learn MoreCash-Out Refinancing
Request additional borrowing against eligible property while reviewing the existing loan. Available equity is not a guaranteed cash amount.
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Additional borrowing secured on eligible private property, subject to valuation, existing debt, applicable rules and an affordable repayment plan.
Learn MoreBridging Financing
Short-term property purchase funding linked to a documented sale or repayment event. Both completion timing and the risk of delay need assessment.
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Personal Financing
Unsecured personal loans from banks and finance companies for planned or unexpected expenses.
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Combine credit cards and personal loans into one plan with a single monthly repayment.
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Personal financing for business owners, freelancers and commission earners whose income is not a fixed salary.
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Complex Cases
Help for situations that do not fit standard criteria, such as group structures, irregular income or multiple existing facilities.
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Specialist Business Financing
Financing for specific industries or projects, such as construction progress payments or project-based contracts.
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