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 get funded.
Approved
same day
48 hrs
avg. approval
< 2 hrs
WhatsApp response
0% upfront
success-only
30+ lenders
compared
QUICK ESTIMATE
What would it cost you a month?
Loan tenure
Monthly repayment
$6,036
- Total interest
- $17,280
- Total repayment
- $217,280
Of your $217,280 total
Estimated at 2.88% p.a. flat, which works out to about 5.5% p.a. effective over 3 years. Illustration only — your actual rate depends on the lender's assessment of your business, and not every applicant qualifies at this rate.
Lenders we submit applications to
SOUND FAMILIAR?
Rejected by one bank? That doesn't mean you don't qualify.
Too many Singapore business owners walk into the wrong bank, get rejected, and assume that's the end of the road.
It isn't. Singapore has more than 30 active lenders, each with different criteria, risk appetites, and products. A rejection from one just means it wasn't the right fit — not that funding isn't out there.
Check your eligibility →“I'd already been to DBS and OCBC. Both said no. KAPVOY approached Funding Societies and ANEXT at the same time. Got approved in 4 days. Never knew I had this many options.”
Ahmad bin Rashid
F&B operator, 3 outlets · Tampines
Approved after 2 bank rejections
success-only fee
0% if you're not funded
lenders approached
simultaneously, per application
bank and lender
partners on our panel
guaranteed WhatsApp
response to every enquiry
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 in 4 quick questions, then get your personalised match report instantly — specific lenders, estimated rates, no documents needed yet.
Talk to a real broker
Not a call centre. Our brokers review your profile personally and explain your best 2–3 options in plain English.
Get funded
We submit to 2–4 matched lenders from our panel of 30+ partners, simultaneously. You compare real offers, sign, and we get paid — 3–5% of the approved amount, only once you're funded.
CLIENT RESULTS
Real results. Real people.
Specific accounts from Singapore business owners, with specific outcomes.
“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 · Tanjong Pagar
Cash flow gap eliminated
“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 · Jurong
Funded in 6 business days
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.
Charged only when your loan is successfully disbursed. If we don't get you funded: you owe us nothing.
- No consultation fee
- No assessment charge
- No application processing fee
We earn from borrowers only, on success. Zero incentive to favour one lender over another.
No retainer. No monthly charges. No renewal fees. One invoice, sent only after you're funded.
“For transparency: 3–5% of a $200K loan means we earn $6,000–$10,000 on a successful placement. We think you deserve to know this before the first conversation.”
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 Advisory?
Nothing upfront. We charge 3–5% 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 Advisory 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 profile, so we do not waste applications on banks that are not a good fit. The cost (3–5% 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 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 and we will tell you what is 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 at all. 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 is needed based on your 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.