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Financing, SME and personal

A no from one desk is not an answer about you.

Nine times out of ten a rejection is about how the case was presented, not whether the money exists. We rebuild the case, choose the route, and put it in front of people whose appetite matches your position.

What clients come in with

Payroll and suppliers due before receivables land

A contract won that needs capital to deliver

Two rejections and no idea what changed

A property or asset that should be working harder

A personal facility that portals keep declining

What we arrange

We are not a lender and we are not a comparison site. We are the party that builds your case and represents it. Which institution it goes to, and how it is positioned, is the part you are engaging us for.

Working capital and bridging

For gaps between what you owe this month and what arrives next month.

Asset and property backed

When there is value on the balance sheet that is not being used.

Growth and project finance

Capital tied to a contract, an expansion, or new equipment.

Personal facilities

Arranged properly, once, rather than five applications leaving marks.

Refinancing

Replacing expensive or short dated borrowing with something you can live with.

Post rejection review

We work out what actually failed, then decide if it is fixable. Sometimes it is not, and we say so.

The process, in the detail we can share
01
Assessment call

45 minutes under NDA. Rough figures are enough. You leave with an honest read.

02
Engagement and file build

Scope and fee in writing. We assemble the case and tell you what is missing.

03
Approach and negotiation

We make the approaches and handle the questions. You approve before submission.

04
Offer to drawdown

We compare terms with you, then carry the paperwork through to the money landing.

We do not publish which institutions we work with, our submission criteria, or how a file is positioned. That discretion protects the clients ahead of you as much as it protects our method.

Outcomes

Anonymised. Figures rounded. Clients are never named.
S$1.2M
Working capital, 19 days

Precision engineering firm, two prior rejections, no new collateral pledged.

S$450K
Bridging against receivables

Marine services company with a signed contract and a 90 day payment gap.

2.1%
Lower on refinance

Owner occupier refinancing a facility taken in a hurry two years earlier.

Bring us the position you are in.

Free, under NDA, and no obligation afterwards.

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