ABOUT US
The advisor you wish you'd known earlier.
KAPVOY Advisory exists because 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. They want different things, lend on different terms, and say yes to different businesses. A DBS rejection doesn't mean you don't qualify. It means DBS wasn't the right fit.
We started KAPVOY Advisory to close that gap. One honest team. No lender bias. No upfront fees. Clear process. Real conversations. Read our complete SME Loan Guide to understand exactly what's available and how the process works.
Our brokers & advisors
KAPVOY Advisory Team
We are brokers who know Singapore's lenders properly. That includes the government-assisted SME schemes, and the private lenders most businesses never hear about.
Every product we recommend is one our team has placed with a real client. We only get paid when you get funded, so we want the same thing you do.
What our Singapore loan brokers bring
We know 30+ lenders, personally
We work with major banks, licensed moneylenders, P2P platforms and private credit providers. We know who approves what, and who is competitive right now.
We handle the whole application
We work out what you qualify for, get your paperwork right, and submit it. We have done that for hundreds of businesses, in every industry.
We cover every type of financing
SME loans, property financing, trade facilities, project financing, factoring and private credit. One call covers all of it. We will not pass you to another firm.
WHY ‘ADVISORY’?
What KAPVOY Advisory means.
Anyone can build a form that pings a few banks. We put “Advisory” in the name because that is the harder job, and the one that gets you funded.
Advisory means we don't just match your application to a lender and step back. We read your situation, understand your numbers, and identify the 2–4 lenders most likely to say yes to your profile. All of that happens before a single form is submitted.
Advisory means we'll tell you when the timing is wrong. When 90 days of stronger cash flow statements will get you a better rate than rushing in today. That's advice that costs us a fee today and earns you a better deal.
Advisory means independence. We hold no referral arrangement with any lender. Our fee is 3–5%, charged only when you are funded. Our advice is never shaped by who pays us the most.
Advisory means specialism. EFS structuring, recovering from a rejection, matching 2–4 lenders instead of firing off ten applications. That comes from judgment, not from a matching algorithm.
KAPVOY Advisory. Not just funded. Funded right.
What we stand for
Radical transparency
Our fee is on the homepage. The way we earn is explained on the homepage. You should never have to ask how much we charge or who we work for.
Match, not mass-apply
We do not fire off applications to ten lenders hoping one sticks. We find 2–4 genuine matches and prepare a strong application for each.
We only earn when you do
We earn 3–5% of your approved loan, paid only on disbursement. We have no reason to recommend a lender that is wrong for you. Our business only works when yours does.
Start with a conversation.
No sales pitch. Just an honest look at your options.
Take the 3-minute quiz →