Business Term Loan in Singapore

Access Capital for Growth

A business term loan provides companies with financing to support expansion, operational needs, or investment opportunities. With access to multiple banks and lenders, Ares Capital helps businesses secure competitive loan packages structured around their financial profile and growth plans.

From initial assessment to loan approval, we guide you through the process and present suitable financing options tailored to your company’s needs.

How We Help

We Assist With:

Business Financing Purposes

Financing Options

Loan Structuring

Our Procedures

How To Apply?

01.

Share Your Business Profile

  • Company financial statements
  • Latest bank statements
  • Existing loan facilities
  • Director / guarantor credit profile

02.

Pre-Assessment & Lender Matching

We conduct an initial credit assessment and match your company with lenders most aligned with your financial profile.

03.

Compare Approved Loan Offers

Once lenders review your application, we help you compare approved offers based on:

  • Loan quantum
  • Interest rate
  • Repayment terms

Our Approach

Why Choose Ares Capital For Your Business Financing?

Extensive Banking & Lender Network

Our close working relationships with SME bankers and lenders allow us to compare financing packages across institutions, helping you secure competitive interest rates and terms.

Strategic Credit Positioning

Before submitting your application, we conduct a detailed pre-assessment to position your company appropriately with lenders, improving approval prospects and avoiding unnecessary submissions.

Transparent Advisory & Ongoing Support

We provide clear guidance throughout the process, from loan structuring to approval coordination, with full transparency on any applicable fees.

Consideration Factors

Key Things to Know Before Applying for a Business Term Loan

Lenders typically assess:

  • Company financial performance
  • Cash flow stability
  • Existing loan exposure
  • Directors’ credit history

The approved loan amount depends on the company’s revenue, profitability, and overall financial position.

Business loan rates vary depending on the lender, company profile, and loan tenure.

Preparing financial documents in advance can significantly improve approval timelines and help lenders evaluate your company more efficiently.