Auto Financing
a) Car Flooring Loan
An auto financing plan enables you to use a revolving credit facility to finance an existing stock of new/used vehicles. This allows you to free up cash flow by not tying up large amounts of assets in showroom stock.
For example, a dealer may want to buy 100 models of a new car but needs additional capital. Through auto financing, he can draw down the credit facility to finance the cars and proceed with repayment as they are sold off.
Benefits of this loan:
- This cover short-term business expenses
- This cover recurring financial expenses
- Swift access to funds
Auto Financing
b) In-house Loan
Buying a car in Singapore can be difficult without proper financing.
In-house auto loans offered by FR Capital help car buyers finance a car quickly, regardless of their credit status. Even if your loan applications have been rejected from a bank or financial institution, getting the vehicle of your dreams is now easier, faster, and more affordable with FR Capital.
Benefits of this loan:
- Fast approval
- Improve the stock of vehicles for business operation
- Immediate access to a car for personal use
Business Line of Credit
Many companies have a credit line to manage unexpected expenditures and fund growth opportunities. It can be thought of as a credit card for your company. Interest is charged only on the amount drawn, & the credit limit moves back up once the amount drawn is repaid.
It is essential to consider a business line of credit, even if your finances are healthy. With a credit line, you can draw funds as needed, up to a limit over a short period. This allows swift access to capital for any reason and has greater control & flexibility over the use of these funds.
Business Line of Credit can also serve as Merchant Credit Line, which merchants can use to pay for goods from suppliers.
Credit lines are an excellent way for a company to increase its capital and take advantage of sudden business opportunities.
Benefits of this loan:
- Cover short-term business expenses
- Cover recurring financial expenses
- Quick access to funds
Payroll Loan
Payroll loans are short-term loans that assist in covering your staffing fees. They can assist you in diverting your capital into other ventures, such as growing your company.
A payroll loan can also be an excellent way to tide your business through jumps in employee salaries, examples of which include year-end or loyalty bonuses.
They can use them to subsidize immediate financial requirements, such as when you’ve contracted extra workers for a big event.
Benefits of this loan:
- Shift to a larger retail space
- You can hire more staff
- Financial ability to create new products
Working Capital Loan
A working capital loan is a loan used by a business to finance its daily operations, such as payrolls, rent, and inventory.
Working capital loans are usually taken when a business requires cash/asset liquidity to cover daily operational expenses to put more money into expansion.
They are usually used by businesses with high seasonality or cyclical sales, such as retailers, to tide them through periods of reduced business activities.
One of the advantages of a working capital loan is that it does not need an equity transaction. Hence, a company owner still maintains complete control of their company. It’s also a good way for company owners to cover any gaps in working capital expenditures.
Benefits of this loan:
- Cover short-term business expenses
- Finance daily operations
- Suitable for businesses with high seasonality/cyclical sales
Expansion Financing
Expansion financing comes in handy when your company sees a chance to develop and grow. They can use it for internal growth by launching new goods or the acquisition of smaller businesses.
It is also helpful for taking advantage of opportunities that may lead to compounded growth, despite not having the available funds at the time.
Businesses typically use increase financing to fund growth projects while still maintaining enough capital to handle day-to-day company operations.
Benefits of this loan:
- Shift to a larger retail space
- You can hire more staff
- Financial ability to create new products
FR Capital Singapore helps you run your daily operations smoothly.
Need financial advice with your current business day-to-day? From paying staff & vendors to investing in new ventures, we are here to help you with the funding that your business needs. Sixty minutes is all you need to get approval from us. The interest rate that we offer is as low as 12% p.a. as we believe in helping hand to keep the Singapore economy striving.
Browse Our Featured Business Loans
We pride to have a business loan offer for every industry in Singapore. But in case we have missed out on a loan offer, feel free to email us for any personalized request, and we will get back to you.

GENERAL BUSINESS LOANS
Like all companies, it is crucial to constantly keep abreast of the current trends in your industry and be privy to what your customers are looking for. While most people are unaware of the significance of upholstery, using the proper channels & conducting your research can help develop your upholstery business. Suppose you are an upholstery business owner and are looking further to educate the public on the importance of upholstery. In that case, you might be thinking of increasing your reach through various marketing avenues. We can help you with just that! Please find out more about our Upholstery / Furniture Cleaning Services Business Loan.

GENERAL BUSINESS LOANS
Fun fact: Did you know that fishes are the 2nd most popular kind of pets in Singapore, just after dogs? Numerous people find joy in rearing fishes as they are almost easy to cater to, don’t take up much space, and are usually more affordable than other pets. This is why fish shops/aquarium stores like yours are still relevant. However, COVID-19 has dealt a massive blow to many businesses in Singapore. Fish shop/aquarium might have heavily impacted your fish shop/aquarium businesses. If you are looking at funding alternatives, why not try Us? We always practice putting your needs before ours. From low-interest loans to longer loan tenures, here’s how we can assist you with our Fish Shop / Aquarium Business Loan.

GENERAL BUSINESS LOANS
It is without a doubt that We Singaporean loves seafood. From restaurants to hawker centers, seafood is apparent. If you currently own a seafood supplier/wholesaler company & are thinking of bringing it to greater heights, Our Seafood Supplier / Wholesaler Business Loan is just what you need. Our low & affordable interest rates coupled with a simple application process make it so much simpler for you to better your business! You can use our loan to cater for the increase in overhead costs, marketing/advertising costs, licenses & permits, transportation fees, and so much more!

GENERAL BUSINESS LOANS
Home-based bakery businesses have seen an improvement in sales ever since the start of the circuit breaker period. On social media, especially Instagram (IG), you might have seen either friend promoting home-based bakery businesses or ads appearing on your stories. This might be attributed to the fact that most of us are cooped-up at home and don’t go out as much. If you currently already own a home-based bakery business & are looking to bring it to greater heights, We can help you with our very own Online / Homebased Bakery Business Loan. Whether it is to buy better kitchen equipment or invest in marketing & advertising cost, our quick & affordable loan can help.

GENERAL BUSINESS LOANS
While many of us frequently talk about recycling waste such as plastic, paper & glass, Electronic Waste (E-Waste) is often ignored. Computers, laptops, TVs are all recognized E-waste. Each year, Singapore generates about 60,000 tonnes of Electronic Waste (E-Waste) in a year. This is why E-Waste Recycling / Reprocessing businesses like yours are essential. However, like all businesses, whether your companies just started or are already longstanding businesses in the industry, there may be times when your company requires extra financial aid for things such as advertising, equipment financing, and invoice financing. Please find out how Our E-Waste Recycling / Reprocessing Business Loan can assist take your business to greater heights!

GENERAL BUSINESS LOANS
As with all households, office spaces, and shopping malls, plumbing/sanitary works are essential. Emergencies such as a leaking pipe & clogged toilet bowl all require urgent attention. Therefore, plumbing / sanitary works businesses are important businesses. However, like all companies, there may be times when you run into cash flow problems. Things such as invoice financing, equipment financing, and purchase order financing are just some of the funding businesses need to thrive. Please get in touch with us & find out how our Plumbing / Sanitary Works Business Loan can improve your business today!

GENERAL BUSINESS LOANS
Escalators can be found everywhere – in shopping malls, schools, office buildings, and more. But, not many people realize the hard work behind escalator installation, repairs, and maintenance. Escalator safety & risk assessment are of most importance. Running an escalator contractor/repair company in Singapore requires a stable source of funding & opportunities. If your business needs financial assistance for employee payroll, office and vehicle rental, equipment supply, Our Contractors / Repairs Business Loan can help.

GENERAL BUSINESS LOANS
With how competitive Education is in Singapore, most parents see the importance of sending their children to extracurricular activities out of class. These include taekwondo lessons that can help improve stamina, confidence, concentration, and flexibility. However, like all businesses, some taekwondo schools/institutes might need additional financial aid for things such as rent, marketing, or enhanced equipment & gear. Here’s how a Taekwondo School / Institute Business Loan can help.

GENERAL BUSINESS LOANS
Singaporean parents always loved sending their children to enrichment classes to pick up new hobbies outside of the usual school curriculum. In recent years, speech & drama lessons have become more popular as it encourages children & even adults gain confidence, present themselves better & be more expressive. Also, it helps kids take a break from their busy school term! If you consider setting up your own speech/drama studio or venture into this industry, We Speech / Drama Studio Business Loan has got you covered!

GENERAL BUSINESS LOANS
Think about the last time you found a pest at home. It presumably wouldn’t be too long ago. Given Singapore’s weather, pest problems are aplenty in our homes. Cockroaches, termites, rodents, and bed bugs, to name a few. This is when people will engage the pest control/extermination business services, mainly when they breed and get out of hand. If you’re considering expanding or improving your pest control/extermination business, We got you covered! Our low-interest and flexible Pest Control / Extermination business loan might be what you need!

GENERAL BUSINESS LOANS
Most homeowners living in private properties will take pride in their gardens. However, when their garden is too huge or does not have enough time, engaging a home landscaping/gardening professional services can be viable. With many home landscaping/gardening businesses in the market, it pays to conduct proper market research & always seek to improve your business. A Home Landscaping / Gardening business loan might be what you need to bring your business to higher heights!

GENERAL BUSINESS LOANS
Incorporating AI into your company can significantly better your business capabilities. It can help accomplish activities and tasks with greater precision & at a fraction of the time required by humans. As a business owner, this would save you a lot more time and costs in the long run. Find out more about Our Virtual Assistant / AI Business Loans and how it can assist you in successfully integrate VA / AI into your business.

GENERAL BUSINESS LOANS
As a food haven, Singapore takes pride in its varied mix of food, featuring dishes from all across the globe. From the humble and straightforward hawker fare to exquisite & invigorating restaurant dishes. There’s no absence of food in Singapore that you can’t find elsewhere. Therefore, it remains increasingly vital that your restaurant/eatery business remains at the top of its game. Here’s how Our Restaurant / Eatery Business Loans can provide you with the edge.

GENERAL BUSINESS LOANS
While most Singaporean parents send their kids for tuition classes, going to enrichment classes such as ballet lessons can be a great way to unwind & discover their hidden potential. These classes help kids take a break from their hectic school schedule and, in the process, pick up a new hobby. If you’re considering venturing into your own ballet academy/studio business, We Ballet Academy / Studio Business Loans can be of great financial help.

GENERAL BUSINESS LOANS
With the burgeoning of local fashion brands in today’s market, it is essential to ensure that your fashion business remains appropriate. The more successful blogshops are also starting to open their retail stores. Hence, competition is high. You’ll need to have an extra resource at hand to take your fashion business to the next level. Here’s how a Fashion / Clothing Retail Business Loan can help.

GENERAL BUSINESS LOANS
With most shopping these days are done online, clothes & groceries to name a few, courier services have also been on the rise. These days, it is essential to improve and upgrade your business in the competition constantly. If you’re considering enhancing your Courier / Parcel Delivery business, you’ll be glad to know that We offer Courier / Parcel Delivery Business Loans to assist you better your business.

GENERAL BUSINESS LOANS
Ever heard of Tinder, OK Cupid, Coffee Meets Bagel, or Paktor? With technology & social media, millennials & young adults are using online dating apps & sites to find their other half. Even if they are not ready to settle down, they will be searching for friends. With increasing opportunities & potential, more business owners are joining the dating app/site market. Here’s what you can do to improve competitiveness & efficiency.

GENERAL BUSINESS LOANS
Having your company have an online footprint in websites, and social media accounts is essential in today’s digital era. This is why advertising, marketing & social media companies, and agencies are in demand. If you are thinking of building your team of professional marketers but need additional funds to do so, here’s how a Marketing Services / Social Media Company Business Loan can be a suitable source of financial help.

GENERAL BUSINESS LOANS
When in doubt, ask Google. In today’s world, largely driven by the Internet, it pays to have your business display on Google. This is why UI / UX Website Design Businesses show to be a lucrative venture. Having a good UI / UX design will vastly improve your client’s user experience & satisfaction. If you are considering setting up your own UI / UX website design business, here’s how a UI / UX Website Design Business Loan can be of excellent financial help to help kickstart your business!

GENERAL BUSINESS LOANS
Baby showers, birthdays, conferences, and workshops are just some of the events that we would have presumably attended before. If you’re thinking of starting your own event/project planning business, good on you! Before you do so, you’ll have to consider a range of things such as workforce, the risk involved, and your finances. If you require help with getting funds to set up your event planning company, here’s ho wOur can help you with our Event / Project Planning Business Loan.

GENERAL BUSINESS LOANS
Most Singaporeans consume long hours in the office and do not have time to do chores, house cleaning, or tidy up their homes. Even if they have spare time, they would usually spend it with their families or on resting. This produces a market for house cleaning or home cleaning services in Singapore. It is essential to differentiate your service and offer your unique selling point. Are you looking to bring your housecleaning service business to the next level? Find out more!

GENERAL BUSINESS LOANS
As parents, we all want the best for our children. This inculdes sending them to enrichment centres so that they can receive an all rounded education. Here at SBL Singapore, we are determined and committed to help aspiring business owners set up their very own phonics class / enrichment centre. Find out how SBL Singapore can help you with the necessary business funding.

GENERAL BUSINESS LOANS
Singapore has one of the most competing business environments globally and is also the best travel destination for travelers worldwide. This brings millions of tourists to Singapore yearly, generating a huge tourism market. If you own a resort or a hotel in Singapore, it is essential to differentiate yourself from competitors. Thinking of upgrading, developing, or need a financial help? Click here to find out more about how Our business loan can help you!

GENERAL BUSINESS LOANS
We all know the number of joy pets gives us. It could be that fluffy ginger cat, that warm golden retriever, or that optimistic cockatiel. But, we can’t always carry our pets with us on holidays. This produces a market for pet hotels & pet boarding centers. With the growing demand, more pet hotels are starting to open in Singapore. Do you own one of these? Find out how We can help you reach your business goals here!

GENERAL BUSINESS LOANS
There are always possibilities in the Human Resources’ Job / Recruitment business. Graduates or professionals might be looking for a new job, and employers might be looking to hire at any point in time. Many resources are needed to run a Job / Recruitment Agency at its top form not to miss any opportunity. Find out how We can assist you in bringing your career & business to greater heights.

GENERAL BUSINESS LOANS
Neighborhood cafés/bakeries always have a special place in our hearts. They’re usually less crowded and have a more homely feel than those in the hustle & bustle of town. If you’re thinking of starting up a neighborhood cafés / bakery or are looking to expand your current business, here’s how a Neighborhood Café / Bakery Business Loan can assist take your business to higher heights.

GENERAL BUSINESS LOANS
Annual servicing of your air conditioner ensures that it operates at maximum efficiency. If your air conditioner has broken down, it’s essential to see that the problem gets fixed quickly. Perhaps you currently own an air conditioning service/repair business & are thinking of taking it to higher heights. Find out how an air conditioning service/repair business loan can help.

GENERAL BUSINESS LOANS
Whether in schools, at events, or the workplace, there is always a need for t-shirts or printed clothes. These shirts are a good representation of a group or event. If you own a company in this industry, click here to find out how We can help develop your business.

GENERAL BUSINESS LOANS
Singapore’s makeup/beauty industry is expected to see a steady increase over the next few years. Whether you consider expanding or growing your makeup/beauty products business to higher heights, find out how a makeup/beauty products business loan can assist. Our all-encompassing business loans will allow you to cater to all your business expansion purposes.

GENERAL BUSINESS LOANS
Hardware / DIY stores that you see in your neighborhood are a vital necessity but often overlooked. The home improvement products often proved to be handy whenever you run into issues with your home. If you currently own a hardware/DIY store and consider renovating or refurbishing your store, find out how We can help.

GENERAL BUSINESS LOANS
Having an extra furball to keep you company is always friendly and comforting. If you not only love animals but maintain an entrepreneurial spirit, you might be looking to own a pet shop/pet store. Whether it is to set up a new pet store or expand your current business, find out how We can help.

GENERAL BUSINESS LOANS
Dancing is not only an excellent way to express yourself but also a great activity to do during your spare time. These days, parents realize the importance of sending their kids for extra classes to provide them with an all-rounded education. If you consider setting up your own dance academy/dance studio, We can support you take the first step.

GENERAL BUSINESS LOANS
Interior designers & architects are essential to beautiful homes. They play a massive role in building the best & most comfortable place to live, relax and work. No matter if homeowners are obtaining a brand new home renovation or a home makeover, they need interior designers & architects. If you own a company in this industry, click here to find out how We can help better your business.

GENERAL BUSINESS LOANS
Music is the universal language of humanity. Whether you play an instrument, sing, or listen to music, it is always lovely & enjoyable wherever you are. Music & Education are developing and lucrative sectors in Singapore. If you are a music instructor or own a music school, find out how We can assist you in making your career & business to higher heights.

GENERAL BUSINESS LOANS
Ask any Singaporean what Singapore is most famous for, and you will probably get “food” as an answer. As Singaporeans, we all take pride in & love our affordable local hawker fare. We can provide you with the necessary funding & business expertise required to set up your very own hawker/food stall business.

GENERAL BUSINESS LOANS
For most of us, weddings are once-in-a-lifetime moments that we hold close to our hearts. In Singapore, the two (2) main types of wedding / bridal boutiques consist of one-stop wedding boutiques & designer bridal boutiques. If you’re considering setting up or growing your very own wedding / bridal boutique, We are here to help.

GENERAL BUSINESS LOANS
With an increasing need for IT support, desktop services, outsourcing, and data security, promising prospects in the IT industry & profits are expected to be made. As a company owner of an Information Technology (IT) Solutions or technology engineering company, you might need to make use of Our Information Technology (IT) Company Business Loan to leverage this market opportunity and increase your firm.

GENERAL BUSINESS LOANS
The convenience that comes with a car is broadly unparalleled. But, when your car breaks down, some of you might turn to car workshops/mechanics to get it repaired. Suppose you’re considering setting up your car workshop or need funding for any significant improvements to your car workshop. In that case, We can provide you with the timely and reliable financial help you require.

GENERAL BUSINESS LOANS
Minimarts & provision shops are essentials in our daily lives. It’s a place where we go for better prices, more variety, and convenience. No matter where we go, there are minimarts & provision shops. With the industry growing, more profits are expected to be made in this industry. Find out more about running a minimart/provision shop & how We can help better your business here.

GENERAL BUSINESS LOANS
There are many meaningful moments in our lives that we wish to take pictures of graduations, birthday celebrations, weddings. The list goes on and on. Suppose you’re a freelance photographer & are looking to make your mark by establishing your own photography studio. In that case, We are here to help you should you need additional funding or any business expertise.

GENERAL BUSINESS LOANS
Other than at famous streets like Haji Lane & Tanjong Pagar, one can see many bakeries & cafés growing all around Singapore. Pancake cafés, coffee cafés, bakery bistros, cake cafés, ice cream cafés, the variety is wide. With foodies and bloggers promoting cafés, more profits are expected to be made in this industry. Please find out how We can help better your business here.

GENERAL BUSINESS LOANS
Weddings, birthdays, anniversaries, or days when you wish to show your appreciation for someone are just some of the reasons people patronize the florist. There has been a burgeoning of flower/florist boutiques & gift shops in Singapore. Please find out how a business loan from Us can help turn your dreams into reality.

GENERAL BUSINESS LOANS
The arts scene in Singapore has been reaching up as Singaporeans become more hands-on and are more prepared to experiment with new things. If you’re considering bringing your love for art such as painting, pottery, and glass blowing to higher heights, We are here to help you.
GENERAL BUSINESS LOANS
Blockbuster movies that you see on the big screen, or even the YouTube videos that you watch to pass the day, just how much time & effort goes behind creating such videos? If you're considering bringing your passion for videography or photography to higher heights, We are here to help.

GENERAL BUSINESS LOANS
Yoga & fitness studios have frequently become common in Singapore, with each specializing in various forms of training. If you're looking at setting up a yoga/fitness/gym studio or are keen on growing your current yoga/fitness/gym studio to add more training courses, look no further!

GENERAL BUSINESS LOANS
Step into any shopping mall these days, and you'll realize that beauty salons offering hair & nail services have grown almost ubiquitous. We understand the pressure & costs needed to stand out & remain competitive in such a saturated industry, which is why we are here to assist.

GENERAL BUSINESS LOANS
Are you thinking of setting up a childcare center but are uncertain of where to begin? Setting up a business needs lots of planning and the required resources and funding for it to take flight. But don't let this deter you from making your dreams into reality.

GENERAL BUSINESS LOANS
We all know that Singaporean parents spend a tremendous amount of money on Education annually, making the education industry notably lucrative. Have you been planning to enhance and develop your tuition center but lack the funds to do so? Stop worrying.

GENERAL BUSINESS LOANS
Operating a business in Singapore is no easy feat. With low-interest rates & flexible repayment terms, We will ensure that you still have the required capital to continue being competitive and grow your company.

GENERAL BUSINESS LOANS
Have you been thinking of expanding your pet grooming & boarding shop to care for even more animals but is hindered by the expensive cost? Fret not! We have been helping businesses thrive by providing them with the needed funds to reach their goals.

GENERAL BUSINESS LOANS
Are you thinking of expanding your catering & event planning empire? Great news! We have an exemplary track record in helping such businesses develop by providing them with the required funding.

GENERAL BUSINESS LOANS
With a quick cash business loan, you pay an inexpensive & reasonable interest rate on regular monthly settlements, leaving you the capital to remain competitive & expand your company.

GENERAL BUSINESS LOANS
Whether it's a delicious brand-new food concept or an old family recipe, growing a food-related business or beverage-based company takes economic & also individual sources.
Do You Have Cash Flow Issues?
FR Capital Loan Singapore Is Here To Assist You Tide Through.
FR Capital Loan Singapore Is Here To Assist You Tide Through.
All companies struggle once in a while with cash flow challenges, especially for younger SME businesses, before they finally stabilize. Managing outflows and inflows is made more accessible by proper accounting as well as forecasting. From time to time, though, you may find that you need additional capital. We are a great partner during such times. We can reach you the cash required to get through those times when money is tight.
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About FR Capital
FR Capital is a Singapore consultancy firm that helps SMEs to secure business loans from banks and financial institutions. We concentrate on SME finance, and through our expertise and network, we help clients secure funding with low-interest rates efficiently and hassle-free.