The Temporary Bridging Loan Programme (TBL) is a government assisted financing scheme.
This scheme aims to provides access to working capital for SMEs at an affordable interest rate.
MAXIMUM LOAN QUANTUM | S$3 Million / borrower |
MAXIMUM REPAYMENT PERIOD | 5 years |
RISK-SHARE | Risk share is at 70% |
INTEREST RATE | Capped at 5% p.a. |
Eligibility
- Local business entity registered and physically present in Singapore
- Minimum 30% shareholdings held directly/indirectly by Singaporean(s) or PR
Interest rate varies among different financial institutions. Contact us now for more information!
In FINSENSE, we provide not only loan services but also analytic and consulting services that aims to find the best product to match your business needs. Schedule an appointment with us to kickstart your funding journey!
Working capital loans are unsecured loan that is commonly used for funding of daily operational cost of the business and at a short-term basis.
Example of operational needs can be marketing, research & development, rental cost, payroll and debt payment. Businesses that deal with high seasonality or cyclical sales usually are quite dependant on working capital loans to tide over low business activity period.
In FINSENSE, we provide not only loan services but also analytic and consulting services that aims to find the best product to match your business needs. Schedule an appointment with us to kickstart your funding journey!


Bridging your cash flow gaps to ride the recovery wave.
Purpose of a bridging loan is to bridge the financial gap of a company that is waiting for fund to come in. It’s commonly used for purchasing of new assets, pre-payment of business expenses, securing business opportunities and even renovation works.
In FINSENSE, we provide not only loan services but also analytic and consulting services that aims to find the best product to match your business needs. Schedule an appointment with us to kickstart your funding journey!
Invoice financing is a good short-term financing option for SMEs with a significant amount of accounts receivable in the form of invoices.
Finance up to 100% of your purchase invoice regardless if there are transacted domestically or cross border. It helps to structure your import financing facilities around your trade cycle and strengthen the relationship with your respective suppliers with prompt payment made by the FI. Enable you to be in control of your cash flow without worry about the importing aspect.
In FINSENSE, we provide not only loan services but also analytic and consulting services that aims to find the best product to match your business needs. Schedule an appointment with us to kickstart your funding journey!


A factor is a financial intermediary that purchases receivables from a company. It agrees to pay the invoice, less a discount for commission and fees.
Factoring is an alternate method to unlock monetary value from your company issued invoice. Company will have to pledge or sell their unfulfilled receivable invoices to a FI, in return get financing amount up to 80% of the invoices value. There is no restriction on the fund usage. Ideal for company that deals with a lot of invoices with payment term.
In FINSENSE, we provide not only loan services but also analytic and consulting services that aims to find the best product to match your business needs. Schedule an appointment with us to kickstart your funding journey!
Property Financing is to facilitate businesses or individual, with private property ownership to access monetary value without selling it.
Financing amount can be up to 80% of the property valuation and loan tenor can go as long as 25 years or more. Interest rate typically will be on the lower end because this will be a secured loan.
In FINSENSE, we provide not only loan services but also analytic and consulting services that aims to find the best product to match your business needs. Schedule an appointment with us to kickstart your funding journey!
