Business Financing

At HTBS, we understand that every business needs the right financial support to grow, sustain operations, and seize new opportunities. We offer comprehensive business financing solutions in Singapore, tailored to meet your working capital, trade, and expansion needs. Whether you are a startup or an established SME, our financing options help you maintain healthy cash flow and achieve your business goals.

Unsecured Working Capital / Business Term Loan

Need a working capital loan or short-term business financing? HTBS offers flexible solutions to support daily operations or growth plans.

Competitive interest rates: 5% – 7% per annum
No collateral required
No restriction on fund usage
Loan tenure: 1 to 5 years

Ideal for SMEs seeking fast and convenient funding for business expansion or daily operational needs.

Business Overdraft

Boost your business cash flow with a flexible business overdraft facility — secured or unsecured.

Revolving credit with flexible usage
No fixed repayment schedule
Perfect for managing short-term working capital

Trade Financing Solutions

Simplify your import and export operations with our trade financing options in Singapore.

A Letter of Credit (LC) ensures that your supplier receives payment once all required documents are verified, reducing risk and strengthening business relationships.

Minimizes the risk of non-payment
Ensures contract and quality compliance
Builds trust between buyers and suppliers

Trust Receipt (TR) / Invoice Financing

Manage your import funding efficiently with Trust Receipt or Invoice Financing.

Short-term loan under a Letter of Credit
Bank retains ownership of goods while allowing possession for resale
Payment made upon TR due date

Ideal for importers needing flexible repayment terms and better cash flow management.

Banker’s Guarantee (BG)

A Banker’s Guarantee is a bank’s written commitment to pay a beneficiary if contractual obligations are not met. Commonly used for:

Performance or financial obligations
Project tenders and commitments
Government and supplier contracts

Factoring

Unlock working capital by converting unpaid invoices into cash with invoice factoring.

Receive 70%–85% of invoice value upfront
Factor collects payment from customers and releases the balance (minus fees)
Option for maturity factoring where payment is made at invoice due date

Improve liquidity and reduce the strain of waiting for customer payments.

Private Financing

If traditional banks cannot meet your financing needs, HTBS connects you with private lenders offering customized business loans.

We provide creative, flexible financing solutions tailored to your business profile and growth goals — giving you options even when others say no.

Why Choose HTBS?

Our experienced team of loan specialists helps SMEs and entrepreneurs secure the best business financing options in Singapore, including:

SME loans
Start-up financing
Working capital loans
Trade and invoice financing
Private business loans

We simplify the financing process so you can focus on growing your business with confidence.