GXS Biz Property-backed Loan

Get up to S$2M in financing.
Fast approvals,
flexible repayment.


Backed by your property, powered by GXS Bank and Funding Societies.
  • Loan Size: Up to S$2 million

  • Collateral: Residential and Commercial property only

  • Loan-to-Value: Up to 80% of residential or 70% of commercial property value

  • Tenure: Up to 12 months, with an option to renew

 

Partnership between

 

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How it works

1

Apply in minutes

Fill out our online enquiry form and our team will reach out to guide you through the process.

2

Submit light docs

Submit key business and
property information for a
quick review.

3

Get an offer

Receive an indicative offer and confirm your acceptance.

 
3

Funds Disbursed

Once legal documents are completed, funds will be disbursed to your account.

 

Why Choose GXS Biz Property-backed Loan?

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Full Transparency

All costs and fees disclosed upfront
— no hidden charges.

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Inclusive Financing

Available to all companies,
including startups.

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Flexible Repayment

Ease cash flow with monthly
interest-only payment options.

Eligibility criteria

To be eligible, your business will need to fulfil the following criteria:
  • Tick Singapore registered Pte Ltd company
  • Tick Minimum 30% shareholding by a Singapore Citizen or Permanent Resident
  • Tick Minimum 6 months operating history
This product is currently not open to sole proprietors or partnerships.
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Leave your information an we will follow-up

Frequently asked questions

  • What is GXS Biz Property-backed Loan?

    GXS Biz Property-backed Loan, also known as property-backed loans, is a secured loan product that allows SMEs to use residential or commercial properties as collateral to access working capital loans of up to $2 million SGD.

    This product is being offered in partnership with FS Capital Pte. Ltd.

  • What documents are required for my GXS Biz Property-backed Loan application?

    - Most recent audited financial statements and/or management accounts, if available

    - Latest 6 months bank statements

    - Director(s) and shareholder(s) NRIC or passport, 1 year NOA and Credit Bureau Singapore report

    Additional documents may be required. This is determined on a case by case basis. Our team will reach out to you once your application is received.

  • Am I eligible for GXS Biz Property-backed Loan?

    To be eligible, your business will need to fulfil the following criteria:

    • Singapore registered Pte Ltd. company

    • Minimum 30% shareholding by a Singapore Citizen or Permanent Resident

    • Minimum 6 months operating history

    This product is currently not open to sole proprietors or partnerships.

The Collaboration Powering SME Growth

When innovation meets experience, businesses win.
Funding Societies and GXS Bank have partnered to make secured business financing simpler, faster, and more accessible for SMEs.
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Funding Societies is a digital financing platform that supports micro, small and medium enterprises (MSMEs) in Southeast Asia. From its Singapore base, it provides tech-enabled financing solutions that help businesses manage cashflow, fund growth and stay resilient through changing market conditions.

Over time, Funding Societies has expanded beyond financing into broader cashflow and payments capabilities, reflecting its role as a practical platform partner for SMEs.

As part of the wider Funding Societies Group, it combines regional platform capabilities with local market understanding to broaden access to structured financing for underserved businesses across multiple Southeast Asian markets.

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GXS Bank is a digital bank focused on making banking better for the everyday consumer and businesses. 

The Bank aims to improve financial inclusion and to drive financial revolution for its customers through the secure and ethical use of technology and data. 

GXS Bank holds a banking licence issued by the Monetary Authority of Singapore. It is owned by a consortium consisting of Grab Holdings Inc. – Southeast Asia’s leading super app, and Singtel – Asia’s leading communications technology group.

As part of a regional network of digital banks, GXS Bank also works closely with GXBank, its digital bank subsidiary in Malaysia and Superbank, a digital bank in Indonesia in whom the Bank has a minority stake.

Disclaimer

  • GXS Biz Property-backed Loan is provided by GXS Bank Pte. Ltd. (UEN 202005626H) as the lender and FS Capital Pte. Ltd. (UEN 201631787R) as the facility agent. GXS Bank holds a banking licence and is regulated by the Monetary Authority of Singapore. FS Capital is part of the Funding Societies group and is an exempt moneylender under the Moneylenders Act 2008 of Singapore. GXS Bank and FS Capital are separate entities and are not associated with the businesses of Grab, Singtel, or their entities.
  • Information provided in this webpage is for general reference only.
  • Approval of your application is subject to receipt of all supporting documents and further review. GXS Bank reserves the right to approve or reject your application without providing any reasons. Fees and charges shall apply. 
  • Loans under this program are secured by property assets located in Singapore. All applicants must meet relevant collateral, credit, and eligibility criteria.
  • By submitting your information, you consent to the collection, use, and sharing of your data between GXS Bank Pte. Ltd. and FS Capital Pte. Ltd. for the purpose of processing your application and related customer support.
  • For more information please refer to https://fundingsocieties.com/terms-of-use, https://fundingsocieties.com/privacy-notice and https://www.business.gxs.com.sg/biz-property-tnc