Corporate Financing Solutions for Businesses in Singapore
A trusted SME financing partner in Singapore with over 30 years of experience and a participating financial institution of Enterprise Singapore, offering direct corporate financing to support business growth, cashflow needs, and investment opportunities.
Designed for Businesses and Accredited Investor.
Corporate Financing Solutions for Businesses in Singapore
A trusted SME financing partner in Singapore with over 30 years of experience and a participating financial institution of Enterprise Singapore, offering direct corporate financing to support business growth, cashflow needs, and investment opportunities.
Designed for Businesses and Accredited Investor.
ETHOZ Capital Track Record
Business Supported
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Companies across diverse industries have benefited from our tailored financing solutions.
Cases Approved
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Successful approvals for businesses of all sizes, helping them achieve their goals.
Loan Disbursed
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Total loan amount disbursed in Singapore, till date.
Corporate Financing Solutions
A range of structured financing options designed to support different business needs, growth stages, and asset requirements.
Our financing specialists work closely with businesses to assess suitability and recommend the most appropriate structure.
Corporate Term Loans
Term loan solutions designed to support working capital needs, business expansion, and property-related financing.
Not sure which option suits your business?
Speak to our financing specialist →
Speak to our financing specialist →
Working
Capital Loan
Unsecured financing designed to support business expansion and growth, assessed based on the company’s credit profile and without requiring property or equipment as collateral.
Best for:
- Managing cashflow gaps between invoicing and payments
- Supporting operational expenses such as payroll and suppliers
- Funding business expansion or new opportunities seasonal revenue cycles
Secured Loan
Allows businesses to access financing by using their property or other acceptable assets as collateral, while retaining ownership and use of the assets throughout the loan tenure.
Best for:
- Larger financing requirements
- Longer repayment tenures
- Businesses with available assets
Commercial
Property Loan
Financing structured to support the purchase or refinancing of commercial or industrial properties for business use.
Best for:
- Acquiring owner-occupied business premises
- Refinancing existing commercial or industrial properties
- Long-term property investment tied to business operations
Renovation Loan
Financing to support renovation or upgrading works for business premises.
Best for:
- Office or retail renovations
- Facility upgrades and fit-outs
- Improving operational or customer-facing spaces
Asset-Backed Financing
Financing solutions structured around business assets, allowing companies to manage capital efficiently while supporting operational needs.
Not sure which option suits your business?
Speak to our financing specialist →
Speak to our financing specialist →
Equipment Leasing
Financing that allows businesses to use essential equipment without ownership, with ETHOZ retaining ownership of the assets throughout the lease period.
Best for:
- Preserving cashflow without heavy upfront capital outlay
- Businesses that require operational flexibility
- Companies that prefer usage over long-term asset ownership
Hire Purchase
A financing arrangement that allows businesses to acquire equipment or assets through fixed instalments, with ownership transferred upon completion of the agreed repayment period.
Best for:
- Businesses planning long-term asset ownership
- Spreading capital expenditure over time
- Acquiring essential assets without full upfront payment
Enterprise Singapore Loan
(Government-Assisted Programmes)
Government-assisted financing schemes under Enterprise Singapore, designed to support eligible SMEs with working capital and fixed asset funding.operational needs.
Not sure which option suits your business?
Speak to our financing specialist →
Speak to our financing specialist →
SME Working Capital Loan
A government-assisted financing programme under Enterprise Singapore, designed to support eligible SMEs with their day-to-day working capital needs.
Best for:
- Supporting daily operational and cashflow needs
- Managing short-term funding requirements
- Improving cashflow resilience
SME Fixed Assets Loan
A government-assisted financing programme under Enterprise Singapore, designed to support eligible SMEs in financing the purchase of fixed assets for business use.
Best for:
- Financing fixed asset purchases for business use
- Supporting expansion through asset investment
- Long-term operational and capacity planning
Our Financing Approach
What businesses can expect when working with ETHOZ Capital.
Direct Financier
Faster decision-making with financing assessed and structured internally.
Flexible Repayment Tenure
Repayment structures aligned to your business operations and cashflow cycles.
Transparent Terms
Straightforward financing structures with no hidden costs or surprises.
Dedicated Relationship Manager
A consistent point of contact who supports you from the start of the financing process all the way until the loan is completed.
Our Financing Process
A clear and straightforward process to guide you from enquiry to disbursement.
Consultation
Share your business needs and financing requirements with our team.
Assessment & Approval
We review your application, assess suitable financing options, and arrange documentation.
Disbursement
Funds are disbursed to support your business needs.
Loan Repayment Calculators
Estimate monthly instalments for different financing structures and explore how unsecured and secured loan options may work for your business.
Choose between Unsecured and Secured Loan calculator using the switch below.
Unsecured Loan
Secured Loan
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Unsecured Loan Calculator
Get a quick estimate of your monthly instalment based on your loan amount and repayment period.
Estimated Monthly Instalment—Estimated Total Interest Payable—Enter values and click Calculate. -
Secured Loan Calculator
Estimate your indicative loan amount, cashout amount and monthly instalment based on your property financing details.
Property Valuation (SGD)
CPF Utilization Amount (SGD)
Loan Outstanding (SGD)
Repayment Type
Repayment Tenor (Months)
Interest Rate (% p.a.)
Indicative Loan Amount—Estimated Cashout Amount—Estimated Monthly Instalment—Please enter all details and click Calculate.
Financial Insights
Practical insights to help businesses better understand financing options, capital strategies, and funding considerations.
What to prepare when applying for a Corporate Loan
Applying for a corporate loan? Learn what documents and financial information businesses should prepare to improve approval chances and streamline the loan application process.
How Working Capital Management Can Improve Profitability
Learn how effective working capital management helps businesses improve cash flow, support daily operations, and strengthen long-term profitability.
5 Alternative Ways to Finance Businesses
Discover alternative business financing options companies can use to manage cash flow, support growth and fund expansion.
A Straightforward Guide to Choosing Business Loans in Singapore
Learn how businesses in Singapore can choose the right financing solution by understanding different business loan options and key decision factors.
Different types of Financing in the Singapore Market
Learn about the different types of financing available to businesses in Singapore and how companies can choose suitable funding solutions to support growth.
About ETHOZ Group Ltd
Established in 1981, ETHOZ Group Ltd is a wholly-owned subsidiary of Tan Chong International, a leading automotive, property, and distribution group operating across Asia.
With more than four decades of experience, ETHOZ provides integrated business solutions including Mobility, Financial, Equipment, and Solar Energy solutions to support companies at different stages of growth.
Explore Other ETHOZ Solutions:
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Frequently Asked Questions
What types of business loans does ETHOZ Capital offer?
ETHOZ Capital provides a range of financing solutions for businesses, including working capital loans, unsecured term loans, secured loans, commercial property loans, renovation loans, asset-backed financing, and government-assisted SME loans.
What is the difference between a working capital loan and a secured business term loan?
A working capital loan is typically unsecured and is used to support day-to-day operational needs and short-term cashflow gaps, while a secured business term loan is structured for medium- to long-term financing needs such as expansion or asset investment.
What is the interest rate for a corporate loan?
Interest rates vary depending on factors such as the type of financing, loan tenure, risk profile, and whether collateral is provided. Applicable terms will be assessed and shared based on the specific financing structure.
What is the maximum amount a business can apply for?
The financing amount depends on factors such as the company’s financial profile, cashflow, financing purpose, and the type of loan applied for. Our team will assess each application and advise on a suitable financing quantum based on these considerations.
Do I need to provide collateral for a business loan?
Not all business loans require collateral. Some financing options are unsecured, while secured loans require acceptable assets as collateral. The appropriate structure depends on the financing amount, purpose, and the company’s credit profile.
Is it mandatory to use private property for a secured loan?
Not necessarily. While private property is commonly used, other acceptable assets or financing options may also be considered, subject to assessment. Our team will review your business profile to determine the most suitable financing structure.
Will I lose ownership of my property or assets if they are used as collateral?
The company or mortgagor retains ownership and use of their property or assets when they are used as collateral. Collateral is provided as security for the loan and is only enforced in the event of default.
Can a business use a related party’s property as collateral for a secured loan?
In some cases, a property owned by a related party to the company (such as a partner or shareholder) may be considered as collateral, subject to assessment and the consent of all parties involved.
What documents are typically required for a business loan application?
Required documents may include company financial statements, bank statements, business profiles, and other relevant information. The specific requirements depend on the financing applied for, and our relationship managers will guide you on what is needed for your application.
How long does the loan approval process take?
Approval timelines vary depending on the type of financing, documentation provided, and assessment requirements. Our team will guide you through the process and keep you informed at each stage.
What is the difference between Equipment Leasing and Hire Purchase?
With Equipment Leasing, ETHOZ retains ownership of the equipment throughout the lease period. Under Hire Purchase, ownership of the asset is transferred to the business upon completion of the agreed repayment period.
Does ETHOZ Capital offer government-assisted SME loans?
Yes. ETHOZ Capital has been a participating financing partner under Enterprise Singapore for more than 15 years. We offers government-assisted SME financing programs such as ESG Working Capital Loan and SME Fixed Asset financing, subject to eligibility and scheme requirements.