THE PROCESS
How KAPVOY Advisory works.
From a 3-minute quiz to funds in your account. Every step explained, every timeline named.
KAPVOY Advisory is an independent financing broker in Singapore. You answer 4 questions in about 3 minutes, a broker reviews your profile personally and calls within 2 hours, and we submit to 2–4 matched lenders at once from a panel of 30+. SME loans are typically funded in 5–10 business days; property loans take 3–6 weeks. The fee is 3–5% of the approved amount, charged only on disbursement — if you are not funded, you pay nothing.
Take the quiz, and get matched instantly
3 minutesTell us about your business: what it does, how long it has been running, what you need the money for, and how much. No documents. No commitment. Just 4 questions, and about 3 minutes.
- The moment you submit, we run your profile against 30+ lenders’ criteria.
- Your match report arrives immediately, showing which 2–3 financing options fit your profile best, with estimated rates and approval timelines.
Our broker calls you, really, within 2 hours
Within 2 hoursNot a call centre. Not an automated follow-up. Our broker reviews your profile personally and calls you within 2 hours of form submission, or WhatsApps if you prefer. The call is a real conversation: here are your best options, here’s why, here’s what we recommend. No fluff.
We submit, you sign, and only then do we get paid
1–3 business daysWe collect the documents lenders need, package your application correctly for each matched lender, and submit to 2–4 simultaneously. This matters: banks see pre-screened, well-presented applications and respond faster. You compare real offers, with real rates, side by side.
- Once a lender approves and disburses your loan, we charge 3–5% of the approved amount. That’s it — no consultation fees, no application processing charges, no retainer.
- If we don’t get you funded, you pay nothing. Our business only works when yours does.
We work with 30+ bank and non-bank lenders, including DBS, OCBC, UOB, Funding Societies, ANEXT and Validus, so your application reaches the right institution rather than the most convenient one.
Questions about the process
How long does the whole process take?
From quiz submission to funded is typically 5 to 10 business days for SME loans. Property loans take 3 to 6 weeks depending on the bank. We'll give you a realistic timeline specific to your situation during our first call.
What if I get matched but don't want to proceed?
No problem. There's no obligation at any stage. If after our call you decide to go directly to a lender or use another broker, that's completely fine. We only earn when you succeed, so we have no reason to pressure you.
Do I need to prepare any documents before the quiz?
Nothing for the quiz. Once we've spoken and you decide to proceed, we'll tell you exactly which documents your matched lenders need. That is usually your last 6 months of bank statements and your ACRA bizfile. We help you prepare the package.
Who reviews my application at KAPVOY Advisory?
Our brokers review every profile personally before it goes to lenders. We work with a curated panel of broker partners and lenders, so your application reaches the right specialist rather than the nearest available person.
What if no lender approves my application?
You pay nothing. We also do not disappear. We will give you an honest assessment of what's affecting your eligibility and what you can do to improve it before applying again. Some clients come back 3 months later and succeed. We stay in touch.
Ready to start?
3 minutes. Instant results. No documents needed.