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.
Maximum amount
Varies by provider — contact us for an assessment
Indicative rate
Varies by provider — contact us for an assessment
Maximum tenure
Varies by provider — contact us for an assessment
Processing time
Varies by provider
These figures are a guide only. The actual amount, rate, tenure, fees and approval depend on the provider and your situation.
01
What can it be used for?
02
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.
Working Capital Calculator
For suppliers, salaries, rent, inventory and other operating expenses. Amounts and terms depend on provider assessment.
Repayment structure
Financing period (months)
- Estimated monthly interest
- S$1,500
- Requested financing
- S$300,000
- Estimated interest (12 mths)
- S$18,000
- Total repayment including principal
- S$318,000
- Upfront fees
- S$0
- Net proceeds
- S$300,000
- Total estimated financing cost
- S$18,000
Rate basis
Monthly figure is interest only. Principal is due at the end; total repayment includes that principal. Upfront fees are paid separately or deducted, not added to the loan. This rate is not EIR.
Short-term and revolving facilities usually charge interest only on the amount drawn; the principal is repaid or renewed at the end. Actual structures vary by provider.
Illustrative monthly interest at 6.0% p.a.
| Amount | 6 mths | 12 mths | 24 mths |
|---|---|---|---|
| S$100,000 | S$500 | S$500 | S$500 |
| S$300,000 | S$1,500 | S$1,500 | S$1,500 |
| S$500,000 | S$2,500 | S$2,500 | S$2,500 |
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.
03
Who may qualify?
- 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
04
Documents
No documents are needed for the initial enquiry.
- ACRA business profile
- Latest 6 months of business bank statements
- Latest financial statements or management accounts
- Directors' NRIC and latest Notice of Assessment
Additional documents may be requested by the financing provider depending on your case.
05
How it works
- 1Tell us what you need
- 2We look at your situation
- 3We explain the options that may suit you
- 4You decide whether to go ahead
06
Provider options
We only show providers whose information we have checked on their official website. Being listed here does not mean a provider partners with or endorses Loura.
Varies by provider — contact us for an assessment. No verified product offer is currently listed; rates, amounts and terms are not assumed.
Current indicative information. Terms, rates, fees and eligibility may change and are subject to provider assessment.
07
Frequently asked questions
What is working capital financing used for?
It helps pay day-to-day costs such as salaries, rent, supplier bills and stock while you wait for customers to pay. It is meant for running the business, not for long-term purchases like property.
Do I need collateral?
Many working capital loans are unsecured, but providers usually ask the directors to sign a personal guarantee. This means you may be personally responsible if the company cannot repay.
How much can my business borrow?
Providers look mainly at your revenue, bank statement cashflow, how long you have been trading and your existing loans. As a rough guide, the amount must fit comfortably within your monthly cashflow after current repayments.
Do I need documents to enquire?
No. You can enquire without sending any documents. If you decide to go ahead, your adviser will tell you exactly which documents the provider needs, such as bank statements or financial statements.
What happens after I enquire?
A Loura adviser will contact you, usually by phone or WhatsApp, to understand what you need. We explain the options that may suit you, the likely costs and any Loura service fee. Nothing is sent to a provider without your instruction.