Singapore's Independent Financing Advisor
Thefinancingyouneed.Foundfasterthanyou'dthink.
SME loans. Property financing. Equity. Working capital. All in one place — compared honestly, explained clearly, and charged only when you actually get funded.
Approved
same day
48 hrs
avg. approval
4.9 / 5
client rating
0% upfront
success-only
30+ lenders
compared
in financing
advised
Singapore SMEs
seeking financing annually
bank and lender
partners on our panel
guaranteed WhatsApp
response to every enquiry
WHAT WE COVER
Whatever financing you
need — we have it.
Business financing, property loans, trade facilities, project funding, and private credit — all under one roof, one honest fee, zero lender bias.
THE PROCESS
From quiz to funded.
Here's exactly what happens.
No mystery. No 'we'll be in touch sometime.' Every step is named. Every timeline is real.
Take the quiz
Tell us about your business and what you need. 4 questions. No documents needed yet. Takes exactly 3 minutes.
Get your match report
We show you which financing options match your profile. A personalised report — with specific lenders and estimated rates — lands in your inbox immediately.
We call you within 2 hours
A real conversation. Not a call centre. Our brokers review your profile personally and explain your best 2–3 options in plain English.
We approach matched lenders
We prep your application and submit to 2–4 matched lenders simultaneously. You compare real offers. No guesswork.
We work with a curated panel of 30+ lenders and broker partners — which means we can approach multiple lenders simultaneously and aren't tied to any single institution.
You sign. We get paid.
Our fee: 4–5% of the approved amount. Charged the day your loan is disbursed. If we don't get you funded — you pay nothing.
Been rejected by a bank? This step doesn't change — we specialise in exactly this situation. A rejection from DBS or OCBC doesn't close every door. It just means we approach different ones.
Tell us what happened →Our fee.
Right here.
No surprises.
Most financing brokers in Singapore make you wait until the third conversation to find out what they charge. We put it on the homepage. Because that's how trust actually works.
of your approved loan amount
Charged only when your loan is successfully disbursed. If we don't get you funded — you owe us nothing. Percentage may vary for different clients.
upfront. Ever.
No consultation fee. No assessment charge. No application processing fee. Nothing until you succeed.
from lenders to us
We earn from borrowers only, on success. Zero incentive to favour one lender over another. That's what independent actually means.
“For transparency: 4–5% of a $200K loan means we earn $8,000–$10,000 on a successful placement. We think you deserve to know this before the first conversation.”
BY INDUSTRY
We speak your industry's
language.
The financing challenges of an F&B owner are completely different from a contractor's. We've learned both — and the 4 others. Click yours below.
Financing built around how F&B actually works.
Seasonal dips. Equipment breakdowns at the worst moment. New outlet deposits. Renovation before you can open. We understand the rhythm of F&B — and the lenders who get it too.
Check F&B loan eligibility →Typically needed:
- Working capital loan (bridge the slow months)
- Equipment financing (chillers, grills, POS systems)
- Renovation loan (fit-out before opening)
- EFS term loan (expansion to new outlet)
Typical range
$30,000 – $500,000
WHAT CLIENTS SAY
Real results.
Real people.
We don't publish 5-star ratings without context. These are actual accounts from Singapore business owners who came to us with a problem and left with a solution.
“I'd applied through the usual channels and got turned away. KAPVOY came back with two approvals in 4 days. I didn't even know options like that existed for a business like mine.”
Ahmad bin Rashid
F&B operator, 3 outlets
“My clients pay in 90 days. My suppliers want payment in 30. That gap was killing us. Invoice financing completely changed our cash flow. The broker explained it in one conversation.”
Lin Mei Ling
Interior design firm, 8 years old
“I had a $2M government contract and no cash to mobilise. KAPVOY structured a trade loan and project financing together. Fastest I've ever moved from 'problem' to 'funded.'”
Rajesh Kumar
Electrical contractor
QUICK ANSWERS
The questions everyone
asks first.
Still have questions? We respond to every WhatsApp within 2 hours.
Ask on WhatsAppHow much does it cost to use KAPVOY?
Nothing upfront. We charge 4–5% of the approved loan amount, paid only when your loan is successfully disbursed. If we can't secure financing for you, you pay nothing. No consultation fee. No application charge. Our business model only works when yours does.
What types of financing do you cover?
We cover the full spectrum of Singapore business and property financing. This includes SME loans (EFS working capital, term loans, invoice financing, startup loans), property financing (HDB, private property, commercial, refinancing, equity release), alternative lending (P2P, Funding Societies), equity financing for high-growth companies, and debt consolidation. We're Singapore's independent financing advisor that covers all of these in one place.
How is KAPVOY different from going directly to a bank?
When you apply directly to DBS, OCBC, or UOB, you're applying to one lender and hoping for the best. We submit to 2–4 matched lenders simultaneously, increasing your approval chances significantly. We also know which lenders are likely to approve your specific profile — which means we don't waste your applications on banks that aren't a good fit. The cost (4–5% success-only) is typically offset by the better rate or faster approval we secure.
I was rejected by my bank. Can you still help?
Yes — and this is actually where we add the most value. A rejection from DBS or OCBC doesn't close every door. Singapore has 30+ bank and alternative lenders with different criteria, risk appetites, and loan products. We understand why rejections happen and know which lenders are most likely to approve your specific situation. Tell us what happened — we'll tell you what's still possible.
How long does approval take?
Bank loans (EFS-backed): 3–7 business days for well-prepared applications. Alternative lenders (Funding Societies, ANEXT): 24–72 hours. Our broker-assisted applications typically move faster because we submit pre-screened documentation that lenders trust. From your first conversation to funds in your account, most clients are funded within 5–10 business days.
What documents will I need?
For an initial eligibility check — nothing. Just your answers to the quiz. For a full application, you'll typically need: NRIC or passport, company business profile (via BizFile+), 6–12 months of bank statements, latest 2 years of financial statements (if available), and your most recent Notice of Assessment. We'll tell you exactly what's needed based on your specific lender match — and help you prepare it.
Ready to find out what
you qualify for?
3 minutes. No documents needed. Instant results.
Our brokers respond by WhatsApp within 2 hours.