PROPERTY-SECURED FINANCING. SINGAPORE SMEs.
Your ambition.
More room to move.
Unlock capital from your property to support your business. Explore financing of S$1 million to S$5 million, with flexible structures and high loan-to-value (LTV) options built around your business needs.
A conversation first. Financing subject to assessment.
01 | FINANCING THAT WORKS FOR YOUR BUSINESS
Value in your property.
Possibilities for your business.
When your business needs capital, the value in your property can open up financing options. Fuzsion Capital can partner you to unlock this potential.
We look at your funding purpose, property collateral and repayment plan together, so the discussion starts with what your business needs to achieve.
Typical financing size
S$1-5 million
Facility type
Term loans, revolving credit facilities
Security
Singapore residential, commercial or industrial property
Loan size and financing structure are subject to assessment, property valuation, documentation, and agreed terms. Typical loan size is indicative; no loan amount or LTV is guaranteed.
02 | THE FUZSION APPROACH
Your circumstances.
Our full attention.
Business financing needs context. We bring commercial banking and credit experience to the conversation, with a focus on understanding your requirements and finding a workable structure.
A responsive conversation
01
Speak directly with our team about your priorities and timing. We work with you to clarify the information needed and the next steps, so you can plan with a clearer view.
Flexibility where it matters
02
Your funding purpose, cash flow and repayment plan shape the discussion. We consider how the loan amount, tenure, and repayment structure could fit your circumstances.
High-LTV financing options
03
Explore how much of your property’s value can support your financing. We offer high loan-to-value structures, where supported by the collateral and credit assessment.
Experience behind the assessment
04
Our team’s banking, financial markets and credit experience helps us to assess the full picture for your company, and work out solutions that will help meet your needs.
03 | CAPITAL WITH A PURPOSE
What comes next
for your business?
Tell us what you need the financing to do. From supporting day-to-day liquidity to funding a new expansion opportunity, a clear purpose helps us to provide a structure that makes sense to you.
Support working capital
01
Discuss funding for operating requirements, inventory, or timing gaps in your business cash flow.
Fund your next opportunity
02
Explore capital for expansion, equipment or other business investments, with your intended use and repayment plan in view.
Review existing financing
03
Discuss refinancing requirements or a change in your financing structure, taking existing loans and security arrangements into account.
04 | FROM FIRST ENQUIRY TO FINANCING
A clear path.
Accompanied at every step.
Share the essentials
01
Tell us about your Singapore business, the loan amount required and timing, and the property available as security. An initial enquiry does not commit you to a loan.
Explore a suitable structure
02
We review your business, collateral and repayment plan, and discuss potential terms. Where there is a fit, we outline the information and assessment needed to proceed.
Review terms and proceed
03
We explain the loan amount we are able to offer, interest, fees, repayment schedule and security requirements. Financing proceeds after approval, documentation and the relevant conditions are met.
Have your company name, funding purpose, property details and existing loan information ready for a useful first discussion. Our team will explain any further documents needed.
05 | A LITTLE MORE CLARITY
Good questions.
A useful place to start.
-
Singapore SMEs seeking property-secured term financing, typically between S$1 million and S$5 million. On a case-by-case basis, we may consider financing without property security as well. Eligibility for loans depends on our assessment of the business, collateral and proposed transaction.
-
Loan-to-value (LTV) compares a loan amount with the assessed value of its property security. A higher LTV can make more capital available against that value. The LTV offered depends on the valuation, existing debt, security position and credit assessment; it is not a fixed percentage for every borrower.
-
Tell us about the current lender, outstanding amount and security arrangements. These form part of our assessment of whether a refinancing or another financing structure may be possible.
-
We typically offer term loans with a one-year tenure, with the option to extend for another year if the loan is in good standing. Our interest rates and fees are competitive vis-a-vis other private lenders, and will vary depending on the collateral quality and credit assessment.
-
Share your required funding date with us at the outset. Timing depends on the transaction, information available, property valuation and documentation, but we are committed to expediting the process where possible when needed. Our team will discuss the steps and expected timeline with you.
-
We are prepared to assess residential, industrial and commercial properties located in Singapore.
Have a specific transaction in mind?
LET’S START A CONVERSATION
Your next move.
Let’s talk about capital.
Tell us what you need to fund, when you need it, and the property available to support your financing.