SME Business Loan

Get a capital loan for your business’s long-term investments, such as expanding your footprint or addressing production increase.

  • Easy approval (business only needs to be operational for 1 year)
  • Flexible repayment tenures
  • Unsecured loan – No collateral/pledging of assets needed!

Singaporeans are very hardworking and never stop hustling to reach greater heights! We believe that big dreams require efficient planning. That is why GM Creditz is here to make the funding easier for dedicated entrepreneurs like you.

Our business loan is ideal for SMEs to respond to the needs of the business immediately. But existing business ventures may also avail of a business loan in Singapore for business expansion.

GM Creditz is committed to lending eligible businesses up to $200,000.

Application Process

Apply For a Loan in 3 Easy Steps

Step 1

Call or Apply Online

Skip the lines and apply online using our dedicated online facility. You may also talk to our loan officer at 6588 1886.

STEP2 GM Creditz Loan

Attend In-Person Consultation

Our loan officer will schedule an appointment for you further to discuss the terms and conditions of your loan plan.

step3 GM Creditz Loan

Get Your Money

Receive your money in cash as soon as the agreement has been signed


FAQ | Freuently Asked Questions Moneylender Singapore | GM Creditz

Business or company must be registered in Singapore

blue shop GM Creditz

Should be operational for at least one (1) year

GM Creditz blue shop

Has a minimum turnover of $60,000

Documents required for Business Loan

  • ALL Directors / Partners NRIC
  • Recent Information report (Business Profile) from the Accounting & Corporate Regulatory Authority (ACRA)
  • Recent Income tax assessment notice (Both personal & company)
  • Recent Financial Statement
  • Recent Invoices or Business Contracts
  • Recent Utility bills under the company name
  • Recent 6 months bank statements
  • List of Assets Own by the Company, Directors & Partners (If Any)
  • Office / Shop Tenancy Agreement (If Any)

What Our Clients Say About Our Services

Recent Reviews on

Recent Reviews on Google

GM Creditz: Best Licensed Money Lender Monthly Installment Personal Loan Singapore City Hall IconGM Creditz: Best Licensed Money Lender Monthly Installment Personal Loan Singapore City Hall

111, #01-41 North Bridge Road, Peninsula Plaza

4.9 344 reviews

  • Avatar Maria Victoria Dionisio Galang (Miss Chuchubells) ★★★★★ in the last week
    Ms Kim, was helpful and professional throughout our transactions. She was able to explain clearly the types of loans that I could take.
    The place is easy to find too.
  • Avatar Blockade Origin ★★★★★ 3 weeks ago
    Professional and Excellent service. Loan was quick and swiftly approved. Thank you.
  • Avatar Anwar Nor ★★★★★ 2 months ago
    The staff handle very professionally and advised the most efficient package that suits your needs. Thumbs up!! A shout out to Kim Tan!!!
  • Avatar Maria DI ★★★★★ 2 months ago
    Very accomodating and excellent staff. They are all friendly and explain all the details.
  • Avatar Maricel Dela Isla ★★★★★ 2 months ago
    Very accomodating and excellent staff. They are all friendly and explain all the details.
  • Avatar SkyLo ★★★★★ 3 months ago
    I have always took loan from gmcreditz n they are really professional n friendly.
  • Avatar Liza wati ★★★★★ 3 months ago
    Ms Hanna is very helpful and explained in full details. Very pleased with the service rendered. Thk u GM Credit
  • Avatar Qis Ellyza ★★★★★ 3 months ago
    Cassie is such a patience lady who is very professional with her work. Will recommend her to my friends and family!
  • Avatar Farhan Mazlan ★★★★★ 3 months ago
    Excellent service by Mr Daniel! Went through the process with me smoothly and he explained everything to me nicely. Recommended by me if you need to take up a loan!
  • Avatar Nur Shamilah ★★★★★ 4 months ago
    Staff is very professional n explain everythin in details.
  • Avatar finaz Ahamad ★★★★★ 6 months ago
    My 3th time here they very helpful and friendly.. too I will recommend my friends here if they need any loan in future.
  • Avatar Jojo Seow ★★★★★ 6 months ago
    Kim Tan is really helpful towards my request. very patientlly. nice service staff person. excellent services
  • Avatar Carlos Becker ★★★★★ 10 months ago
    They are the best legal loan provider in Singapore. If anyone need any personal loans, look no further, GM Creditz is the best licensed moneylender. Thank you GM Creditz.
  • Avatar Arron Charl Bombarda ★★★★★ 10 months ago
    The best licensed moneylender in Singapore. I am very thankful for their help. Good and recommended service,
  • A Google User ★★★★★ 10 months ago
    The best licensed moneylender in Singapore. I am very thankful for their help. Good and recommended service,
  • Avatar Shamsuri Sidek ★★★★★ 11 months ago
    Been here for quite sometimes.. very friendly staff and will explain to u in details.. well recommended
  • Avatar Hamerul Ayul ★★★★★ 11 months ago
    Helpful and knowledgeable staff (Daniel and Kim). Friendly and will take time to explain the procedures properly and advise eligible loan plans and payments accordingly and within your means.
  • Avatar Alan L ★★★★★ 11 months ago
    There are many money lender company out there but only a few can make it top and GM Creditz is definitely one of the most reliable one. Great experience. Good service. Good listening ears. Build relationship with customer. I been there a few times and all the staff there were friendly. Talk to them about your loan and i'm sure they will be able to advise you without judging you on your current … More financial status.
  • Avatar Ivan Tan ★★★★★ 11 months ago
    I was serve by Ms Kim Tan. Friendly and good service. She understands my situation and provide me a win win solution. Keep it up. Thank you for your help.
  • Avatar Trissa Wirdawati Samat ★★★★★ 11 months ago
    Kim Tan is good consultant. She assist my friends in details on her enquiry. She is friendly and helpful.
  • Avatar Yap Chin Hin ★★★★★ a year ago
    Very reliable company . Kim Tan is professional . She is very polite and very customer oriented..
    Explain to u in detail and cater to ur needs as much as possible.
  • Avatar Lydiana Sohari ★★★★★ a year ago
    Efficient and pleasant transaction with GM Creditz. They are reliable and are able to work out a suitable and affordable payment arrangement for you.
  • Avatar Teresita Luza ★★★★★ a year ago
    Every transaction is smooth. The staff are very accommodating and kind. The company has always been considerate. Best one!
  • Avatar Gerald Aguilar ★★★★★ a year ago
    I always have pleasant conversation with the staff. They are very accomodating. I trust their security on personal data. Very compliant on governement policies. Highly recommended.
  • Avatar Rowena Sugpatan ★★★★★ a year ago
    Cassie Teo is very friendly and accomodating. Fast and flexible in processing. Never expected to be catered well with her kind gesture. Everything was in ease.
  • Avatar Liyana K ★★★★★ a year ago
    Staffs are very friendly and patient when explain. very detail before proceed to next step. Thank you for your help really appreciate it! Keep up the good work👍👍
  • Avatar Pally B ★★★★★ a year ago
    I was attended to by Ms Kim who was soft spoken and very helpful. She explained everything carefully and answered all my questions patiently..I liked the friendly vibe and small talk in between.. will definitely go back if i ever need a loan! Thank you all!

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Business Loan FAQ

There are different types of business loans in Singapore — SME Working Capital Loan, Temporary Bridging Loan, SME Micro Loan, Startup Business Loan, or Trade Financing. You can avail of any of the said loans by reaching out to our loan officer to discuss which loan package is suitable for you.

GM Creditz’s business loan is available to all eligible SMEs and business owners who need a financial boost to keep the business running and/or fund the business’s growth.

GM Creditz’s business loans in Singapore are available to all eligible SME working and business owners who need capital loan for their business’s growth.

Singapore business loan can be used for:

  • Purchasing new equipment to address production increase 
  • Acquiring a new office space
  • Keeping the business afloat

As for the eligibility requirements, you must meet the following business term: 

  • The business must be registered in Singapore
  • Should be operational for at least one (1) year
  • Has a minimum turnover of $60,000 

As per the regulation of the Singapore Ministry of Law, all moneylenders can only set a maximum interest rate cap of 4% per month for all personal loans. Any interest rate above this loan amount will subject the money lender to licensure review provided they have to comply with the imposed interest rate cap.

However, the maximum interest rate of 4% does not apply to a business loan in Singapore or SME working capital loan. 

An SME working capital loan or business loan has different rates. Our interest rate for an SME working capital loan ranges from 5% to 15%, depending on the loan amount taken, tenure, and if there are other forms of collateral.  

A licensee may impose in respect of every business loan granted by the licensee, the following costs, charges, and expenses that have been agreed to by the borrower:

(a) a fee for each occasion of late repayment of principal or late payment of interest rate (including any late interest rate);

(b) a fee for each occasion the terms of the contract for the business loan are varied at the request of the borrower;

(c) a fee for every cheque drawn by or on behalf of the borrower which is dishonored by the bank on which it is drawn when presented by the licensee;

(d) a fee for every unsuccessful deduction from a bank account through interbank GIRO for payment by or on behalf of a borrower to the licensee;

(e) in the case of business term loans, a fee for the early redemption (whether partial or in full) of the business loans, and a fee for the early termination of the contract (whether due to the default of the borrower, the redemption of the loan or otherwise) for the loans;

(f) legal costs incurred for the recovery of the loans, as may be ordered by a court to be paid to the licensee.

With a minimum turnover of $60,000, your business may get up a business loan up to $200,000.

Applying for GM Creditz’s business loan is easy and straightforward as long as you have your complete set of documents and information. The business loan application will be processed in less than 3 working days.

After applying online or calling from the comfort of your home, our loan officer will schedule an in-person appointment to discuss the terms of your business loans in Singapore. You will receive the loan amount on the same day as soon as the agreement has been signed.

Take note that unlike any bank, GM Creditz does not solely rely on good credit scores when approving your business loans. What we look for are the following but not limited to:

  • Financial situation
  • Business revenue and expenses
  • Repayment ability

GM Creditz values your right to privacy. We commit to protect your right to personal data privacy pursuant to the provisions of the Personal Data Protection Act 2012 ( PDPA) and its Implementing Rules and Regulations.

Rest assured that your personal data is protected with secured networks and can only be accessed by authorized personnel. 

If you have further questions regarding our privacy policy, please contact us.

To borrow a larger amount of business loan, you may secure your business loans in Singapore by assigning a guarantor, and also by pledging either residential or commercial properties.

Before taking a business loan, first things first, visit the list of licensed moneylenders registered with Singapore’s Ministry of Law to avoid loan scams.

Secondly, compare the best business loan options suitable to your needs and repayment capability before you borrow.

Lastly, check the customer satisfaction reviews on Loan Advisor and Google Reviews to weigh in which agency is more reliable and trustworthy to borrow money from. 

GM Creditz is licensed and registered with the Ministry of Law. Rest assured that we adhere to the law and offer fair and just interest rates since 2009.

We have established an excellent reputation over the years. In fact, we are noted by our clients as “professional, efficient, and client-oriented,” assuring you that you are borrowing from a legal, responsible, and ethical agency.

Yes, you and your partners must still pay the business loan. If not, the following situations may happen to you:

For secured business loans, the moneylender may initiate legal proceedings and seize possession of collateral that was used to secure the business financing loan. 

For unsecured business loans, the lender would go to court to secure an order to seize any of your property and may be authorized to seize property to recoup the loss on a loan. 

To get the best business loan rates, you may check loan comparison sites online to weigh in your options. 

Please note that the interest rate depends on the financing loan plan you are applying for. Compared to unsecured loans, secured loans will have lower interest rates and can offer you a higher loan amount of money. 

Having collateral such as properties, real estate, bonds, collections and other items and objects of value can also help you lower your business loan interest rate.

GM Creditz offers the lowest possible interest rates, in accordance with the Ministry of Law, ensuring you that we practice legal lending and help our clients also practice responsible borrowing by helping you manage the loan plans suitable for your objectives, budget, and repayment capability. 

If you wish to see our clients’ testimonials, please visit our Reviews page. You may also apply online or call us for further details.

Your borrowing limit may differ from one another. Banks in Singapore can allow you to borrow a bigger loan amount for a much longer tenure with a different interest rate, but the process of releasing the money takes time.

GM Creditz, on the other hand, can give you the loan amount, usually, in just only a few days with a much easier loan application process, with low interest rate and and no hidden charges.

GM Creditz offers the best SME business loan in the City Hall of Singapore. Our office is conveniently located near MRT City Hall and opposite Peninsula Plaza Bus Stop. 

Address: 111 at North Bridge Road #01-41 Peninsula Plaza Singapore 179098

Operating Hours: Mon-Fri: 11:00am – 9:00pm | Sat-Sun: 11:00am – 6:00pm

GM Creditz’s business loan is designed to ease your financial emergencies. We make sure to give you the funding that you need immediately, in as short as a few days.

We are proud of our competitive loan plans and loan tenure that adhere to the Moneylenders Act. And we only impose the required and permitted fees and interest rates and make sure to customize the loan plan accordingly.

Moreover, our ultimate goal is to help you with your financial difficulties, not to add a burden to your financial trouble. Take it from our clients’ verified reviews on Loan Advisor, Google Reviews, and Business Listings, that can attest to our promises and core values — professional, efficient, and client-oriented. 

We look forward to serving you.

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