1 Fullerton Credit Pte Ltd is a licensed moneylender (License No. 100/2023) listed in the Registry of Moneylenders, under the Ministry of Law in Singapore.

SME Business Loan

  • Easy approval (business only needs to be operational for 1 year)
  • Flexible repayment tenures
  • Unsecured loan – No collateral/pledging of assets needed!

Borrow With Ease!

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Singaporeans are very hardworking and never stop hustling to reach greater heights! We believe that big dreams require efficient planning. That is why 1 Fullerton Credit is here to make the funding easier for dedicated entrepreneurs like you.

Our business loan is ideal for SMEs to respond to the needs of the business immediately. But existing business ventures may also avail of a business loan in Singapore for business expansion.

1 Fullerton Credit is committed to lending eligible businesses up to $200,000.

Loan Application Process

Apply For a Loan in 3 Easy Steps


Call or Apply Online

Skip the lines and apply online on our official website or talk to our loan officer at 6588 1886.

Attend In-Person Consultation

Our loan officer will schedule an appointment for you further to discuss the terms and conditions of your loan plan.

Get Your Money

Receive your money in cash as soon as the agreement has been signed.

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Call or Apply Online

Skip the lines and apply online on our official website or talk to our loan officer at 6588 1886.

Money Lender Face to face consultation

Attend In-Person Consultation

Our loan officer will schedule an appointment for you further to discuss the terms and conditions of your loan plan.


Get Your Money

Receive your money in cash as soon as the agreement has been signed.


FAQ | Freuently Asked Questions Moneylender Singapore | 1 Fullerton Credit

Business or company must be registered in Singapore

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Should be operational for at least one (1) year

1 Fulllerton Credit blue shop

Has a minimum turnover of $60,000

Documents Requirements

  • ALL Directors / Partners NRIC
  • Recent Information report (Business Profile) from the Accounting & Corporate Regulatory Authority (ACRA)
  • Recent Income tax assessment notice (Both personal & company)
  • Recent Financial Statement
  • Recent Invoices or Business Contracts
  • Recent Utility bills under the company name
  • Recent 6 months bank statements
  • List of Assets Own by the Company, Directors & Partners (If Any)
  • Office / Shop Tenancy Agreement (If Any)


What Our Customers Say About Our Services

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Business Loan FAQ

1 Fullerton Credit’s business financing loan in Singapore is available to all eligible SME working and business owners who need a term loan for their business’s growth.

Singapore business financing inclusion:

  • Purchase new equipment to address production increase 
  • Acquire a new office space
  • Keep the business afloat

As for the eligibility requirements, you must meet the following business term: 

  • The business must be registered in Singapore
  • Should be operational for at least one (1) year
  • Has a minimum turnover of $60,000

As per the regulation of the Singapore Ministry of Law, all moneylenders can only set a maximum interest rate cap of 4% per month for all personal loans. Any interest rate above this loan amount will subject the money lender to licensure review provided they have to comply with the imposed interest rate cap.

However, the maximum interest rate of 4% does not apply to a business loan in Singapore or SME working capital loan. 

Capital loans or SME business loans have different rates. Our interest rate for an SME loan ranges from 5% to 15%. 

A licensee may impose in respect of every business loan granted by the licensee, the following costs, charges, and expenses that have been agreed to by the borrower:

(a) a fee for each occasion of late repayment of principal or late payment of interest rate (including any late interest rate);

(b) a fee for each occasion the terms of the contract for the business loan are varied at the request of the borrower;

(c) a fee for every cheque drawn by or on behalf of the borrower which is dishonored by the bank on which it is drawn when presented by the licensee;

(d) a fee for every unsuccessful deduction from a bank account through interbank GIRO for payment by or on behalf of a borrower to the licensee;

(e) in the case of a business term loan, a fee for the early redemption (whether partial or in full) of the business capital, and a fee for the early termination of the contract (whether due to the default of the borrower, the redemption of the loan or otherwise) for the loans;

(f) legal costs incurred for the recovery of the loans, as may be ordered by a court to be paid to the licensee.

With a minimum turnover of $60,000, your business may get a business loan up to $200,000.

Applying for 1 Fullerton Credit’s business loan is easy and straightforward as long as you have your complete set of documents and information. The business loan application will be processed in less than 3 working days.

After applying online or calling from the comfort of your home, our loan officer will schedule an in-person appointment to discuss the terms of your business loans in Singapore. You will receive the loan amount on the same day as soon as the agreement has been signed.

Take note that unlike any bank, 1 Fullerton Credit does not solely rely on good credit scores when approving your business capital. What we look for are the following but not limited to:

  • Financial situation
  • Business revenue and expenses
  • Repayment ability

1 Fullerton Credit values your right to privacy. We commit to protect your right to personal data privacy pursuant to the provisions of the Personal Data Protection Act 2012 ( PDPA) and its implementing rules and regulations.

Rest assured that your personal data is protected with secured networks and can only be accessed by authorized personnel. 

If you have further questions regarding our privacy policy, please contact us.

To borrow a larger amount of business loan, you may secure your business capital in Singapore by assigning a guarantor, and also by pledging either residential or commercial properties.

Before taking a business loan, first things first, visit the list of licensed moneylenders registered with Singapore’s Ministry of Law to avoid loan scams.

Secondly, compare the best business loan options suitable to your needs and repayment capability before you borrow.

Lastly, check the customer satisfaction reviews on Loan Advisor and Google Reviews to weigh in which agency is more reliable and trustworthy to borrow money from. 

1 Fullerton Credit is licensed and registered with the Ministry of Law. Rest assured that we adhere to the law and offer fair and just interest rates since 2009.

We have established an excellent reputation over the years. In fact, we are noted by our clients as “professional, efficient, and client-oriented,” assuring you that you are borrowing from a legal, responsible, and ethical agency.

Yes, you and your partners must still pay the business loan. If not, the following situations may happen to you:

For secured business capitals, the moneylender may initiate legal proceedings and seize possession of collateral that was used to secure the business financing loan. 

For unsecured business loans, the lender would go to court to secure an order to seize any of your property and may be authorized to seize property to recoup the loss on a loan.

To get the best business loan rates, you may check loan comparison sites online to weigh in your options. 

Please note that the interest rate depends on the financing loan plan you are applying for. Compared to unsecured loans, secured loans will have lower interest rates and can offer you a higher loan amount of money. 

Having collateral such as properties, real estate, bonds, collections and other items and objects of value can also help you lower your SME loan interest rate.

1 Fullerton Credit offers the lowest possible interest rates, in accordance with the Ministry of Law, ensuring you that we practice legal lending and help our clients also practice responsible borrowing by helping you manage the loan plans suitable for your objectives, budget, and repayment capability. 

If you wish to see our clients’ testimonials, please visit our Reviews page. You may also apply online or call us for further details.

Your borrowing limit may differ from one another. Banks in Singapore can allow you to borrow a bigger loan amount for a much longer tenure with a different interest rate, but the process of releasing the money takes time.

1 Fullerton Credit, on the other hand, can give you the loan amount, usually, in just only a few days with a much easier loan application process, with low interest rate and no hidden charges.

1 Fullerton Credit offers the best payday loans in Telok Ayer Chinatown of Singapore. Our office is conveniently located near Telok Ayer MRT.

Address: 110 Telok Ayer St, #110-A, Singapore 068579

Operating Hours: Mon-Fri: 10:30am – 8:00pm | Sat-Sun: 10:30am – 4:30pm (Closed On Public Holiday)

1 Fullerton Credit’s SME loan is designed to ease your financial emergencies. We make sure to give you the funding that you need immediately, in as short as a few days.

We are proud of our competitive loan plans and loan tenure that adhere to the Moneylenders Act. And we only impose the required and permitted fees and interest rates and make sure to customize the loan plan accordingly.

Moreover, our ultimate goal is to help you with your financial difficulties, not to add a burden to your financial trouble. Take it from our clients’ verified reviews on Loan Advisor, Google Reviews, and Business Listings, that can attest to our promises and core values — professional, efficient, and client-oriented. 

We look forward to serving you.

Visit the Ministry of Law’s full list of licensed moneylenders in Singapore to verify if the agency is registered or not. 

1 Fullerton Credit’s license number is 100/2023 listed this downloadable list

Since 2009, 1 Fullerton Credit has been legally operating and providing honest services to our clients. We are also a responsible company, taking into consideration our clients’ financial capacity. Furthermore, we have been commended and applauded by our valued clients on Google and Loan Advisor Reviews.

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