Term Loans in Singapore: Financing Solutions Through HTBS

A term loan is a type of bank loan with a fixed repayment schedule and interest rate, typically maturing between 1 and 10 years. Term loans are commonly used for:

• Major business investments

• Acquisitions

• Capital expenditures

At HTBS, we guide businesses to secure the most suitable term loan packages aligned with their financial goals and growth plans.

1. Intermediate-Term Loans

• Repayment period: 18 months to 10 years, usually 3–5 years

• Ideal for financing: machinery, equipment, vehicles, or other depreciable assets

• Perfect for small business owners needing working capital or operational funding

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2. Long-Term Loans

• Repayment period: 10–20 years

• Typically requires collateral and stricter financial assessments

• Approval depends on factors such as:

  • Character and business experience

  • Credit capacity and repayment ability

  • Personal and business financial statements

  • Collateral value (usually higher than the loan amount)

  • Capital adequacy

  • Accuracy of revenue and expense projections

HTBS makes obtaining term loans in Singapore fast, practical, and cost-effective:

• Expert Guidance: Our loan specialists provide personalized advice to help you make informed financial decisions.

• Best Rates: We compare offers from multiple lenders to secure the most competitive interest rates.

• Streamlined Process: Simplified loan applications save you time and effort.

• Comprehensive Business Support: Beyond loans, we assist with PIC claims, accounting, tax filing, and insurance solutions.