Loans for technology companies

Technology Financing

Empowering Technology Companies to Secure the Right Financing Solutions

Technology companies operate in a dynamic and fast-paced environment, which often requires financial support to sustain growth, innovate, and stay competitive. Unlike traditional industries, technology firms have unique needs such as funding for research and development, secure market position, rapid scaling, and technology upgrades. This necessitates specialized financing solutions tailored to the specific demands of the technology sector.

Our Financing Solutions

The Enterprise Financing Scheme

SME Working Capital Loan (EFS-WCL) helps SMEs finance their operational cashflow needs with fixed monthly repayments over a tenure of 1 to 5 years. This is a risk-sharing scheme between Enterprise Singapore and Financial Institutions, ensuring that technology SMEs can manage their finances effectively while focusing on growth and innovation.

Business Term Loan

A Business Term Loan is an unsecured loan offered by Financial Institutions with fixed monthly repayments over a tenure of 1 to 5 years. This solution is ideal for technology companies needing quick access to funds for various operational and strategic needs without pledging collateral.

Mortgage Loans

We assist in securing various mortgage-related loans, including residential and commercial property loans, equity term loans, and property refinancing. These loans can help technology companies invest in essential real estate for operations and growth.

Letters of Credit/ Trust Receipts/ Import Financing

This type of trade finance allows the release of goods against the buyer’s undertaking to sell the goods and pay later with the sales proceeds. This facility improves liquidity needs, ensuring timely supplier payments and freeing up cash flow.

Factoring/ Project Financing/ Accounts Receivables Purchase

Designed to improve cash flow, this trade finance solution unlocks up to 90% of your invoices, project claims, or account receivables. This facility requires you to have strong and reputable buyers, providing immediate cash flow to sustain operations and growth.

Revolving Credit Line

A revolving credit line offers a specific amount of available credit for an indefinite period, allowing technology companies to manage their finances flexibly. Debt is repaid periodically, and businesses can continue borrowing funds once the debt is repaid. This solution supports ongoing operational and strategic needs with fixed and non-fixed repayment options. For non-fixed repayment, interest will continue to accumulate on the debt so long as it is not repaid. In general, the credit can be used repeatedly up to the specified limit.

Hire Purchase/Machinery & Equipment Financing

This financing option allows up to 90% funding for new and used equipment, machinery, and commercial vehicles. Technology companies can refinance the fully paid-up equipment with debenture loan or secure high financing for purchasing new or used commercial vehicles, facilitating operational efficiency and growth.

Private Funding

Private funding provides an alternative source of financial support from independent investors, B2B lenders, and private equity firms. Offering short-term funding with tenures ranging from 3 to 12 months, this option includes monthly interest payments and a bullet payment at the end of the tenure, suitable for technology companies seeking flexible and immediate funding solutions.

Financing solutions tailored to your needs

What Sets Us Apart?

Be in Control

We empower you to take full control of your business finances. Our technology financing solutions are designed to give you the autonomy to allocate funds where they’re needed most, without the restrictive oversight often imposed by traditional financing institutions. You have the freedom to make strategic decisions that align with your growth objectives, ensuring your business stays agile and responsive to market demands.

Flexible Terms

Understanding the dynamic nature of the technology industry, we offer unmatched flexibility in our financing options. Whether you need short-term working capital, long-term investment funding, or something in between, our adaptable repayment plans and financing structures are tailored to your specific needs. Our flexible terms allow you to manage your cash flow effectively, ensuring you can focus on innovation and expansion without financial constraints.

Technology Company Friendly

Our approach to technology financing is distinct from traditional banks. We recognize that technology companies have unique financial needs and face different challenges compared to other industries. That’s why we provide specialized support, including risk-sharing schemes, fast and efficient processing, and access to a diverse range of funding sources. Our deep industry expertise and commitment to innovation mean that we offer more than just financing – we offer strategic partnership and comprehensive support to help your business thrive.

Contact us

Reach out to learn more about our financing solutions

We recognize that your earning and spending patterns differ from those of businesses in other industries. That’s why our financing solutions are specifically tailored to meet your unique needs Contact us today to learn more about our financing solutions and how you, technology companies, can benefit from our service.