Start-Up Financing

Start-Up Financing is a business financing product by Funding Societies designed for companies in Singapore looking for fast, simple access to short-term working capital.

It offers fixed financing amounts with a streamlined digital application process, making it suitable for businesses that need quick funding for operational expenses, growth opportunities, or short-term cash flow needs.
Businesses can choose between Start-Up Financing and Start-Up Financing PRO depending on their financing requirements and eligibility.

Both products are designed to provide fast-access business financing, but they differ in financing amount and eligibility.

Start-Up Financing

• Fixed financing amount of S$10,000

• 0% interest on timely repayments

• 5-month repayment tenor

• S$500 origination fee (waived if applied digitally)

• Open to businesses with limited operating history

Start-Up Financing PRO

• Fixed financing amount of S$20,000

• 5-month repayment tenor

• Origination fees from S$1,000

• Business must be at least 6 months incorporated

The right option depends on your business stage and financing needs.

Start-Up Financing is designed for businesses looking for fast, smaller-ticket financing with a streamlined application process.

SME Business Loans offer a wider range of financing products, larger financing amounts, and longer repayment tenures depending on business needs.

Great news! For Start-Up Financing, we welcome businesses that are under 6 months old to apply.

If you’re looking to apply for Start-Up Financing PRO, just keep in mind that your company will need to be at least 6 months incorporated to qualify.

Funding Societies offers two Start-Up Financing options:

• Start-Up Financing: fixed financing amount of S$10,000

• Start-Up Financing PRO: fixed financing amount of S$20,000

If your business requires larger financing amounts, you may also explore other SME business financing solutions offered by Funding Societies.

Start-Up Financing includes an origination fee structure depending on the product selected.

For Start-Up Financing, there is a S$500 origination fee, which is waived if you apply digitally.

For Start-Up Financing PRO, origination fees start from S$1,000, subject to final assessment.

Businesses should review the applicable terms and product details before applying.

The loan is designed to enable flexible funding to supplement your business working capital needs.

We’ve streamlined the process for your convenience. Here’s what you’ll need for each financing option:

For Start-Up Financing
(Businesses with less than 6 months are also welcome to apply!)

• Director/Guarantor’s latest CBS report (Dated within 30 days from submission date).
• Director/Guarantor’s NRIC & latest year Notice of Assessment (retrieved via Myinfo Business)
• Latest 6 months bank statement (or up to the duration of your business operation)

For Start-Up Financing PRO
To qualify, your company must be at least 6 months incorporated. Along with the documents listed above, you will also need:

• Latest 6 months bank statements

The Start-Up Financing application process is fully digital and can be completed in less than 10 minutes, depending on document readiness.

Approval and disbursement may take place in as quick as 2 working days, subject to application completeness, verification, and final approval. Actual timelines may vary depending on individual circumstances.

Yes. You have the flexibility to fully repay your loan whenever you want. However, with no interest on timely repayments, you might find it more beneficial to hold on to your funds to maximize cash flow and stick to the monthly principal payments.