In most cases, no. Banks pay us a referral fee when your loan is successfully approved and disbursed. Our comparison and advisory services are typically free. If any fees apply for complex structuring cases, we will disclose them upfront before proceeding.
Private bankers represent their institution.
We represent you.
We compare across multiple banks and structure facilities strategically based on long-term portfolio goals and not product quotas.
All client information is handled with strict confidentiality. We submit applications strategically to suitable banks only.
For residential mortgages, In-Principle Approval (IPA) may take 1–3 working days. Full approval timelines vary depending on documentation and complexity. SME loan approvals typically range from 1–4 weeks.
Different banks offer different rates and approval criteria. We compare packages across banks, structure your application strategically, and negotiate on your behalf, saving you time and improving approval confidence.
A working capital loan provides unsecured financing to support daily business operations such as payroll, inventory, and expansion.
Typically up to S$500,000, depending on company revenue, credit profile, and bank assessment.
Approvals usually take between 1–3 weeks depending on lender and case complexity.
Banks assess overall exposure. We help structure your facilities strategically to preserve future financing capacity.
You receive early payment on issued invoices instead of waiting 30–60 days for customer payment.
No. It is typically structured as receivables financing based on outstanding invoices.
Most B2B industries qualify, subject to creditworthiness of your buyers.
Once facility is approved and activated, funds may be disbursed within days of invoice submission.
Invoice financing is suitable for businesses with strong receivables but tight cash flow. Working capital loans may suit broader operational needs. We will help you to assess which facility fits best.
Established in 2019, Ares Capital is a strategic boutique advisory firm specialising in mortgage and SME financing in Singapore. Backed by experienced former bankers and an extensive lender network, we provide structured approvals, competitive rates, and trusted long-term financial guidance.
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