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Trade financing on your terms

 Paying suppliers before your customers pay you can strain cash flow. Trade Term Loan is trade financing for Singapore SMEs that lets you draw funds against your trade invoices and spread repayment over 6 fixed monthly instalments, so you can keep fulfilling orders with confidence. 

Trade Term Loan at a glance

Interest From 0.5% per month
Facility
  • S$100K – S$300K revolving limit
  • Valid for 12 months
  • Under EFS Trade
Financing Up to 100% of supplier or customer invoices, disbursed within 2 working days
Repayment 6 equal monthly instalments per drawdown
Eligibility
  • Singapore Pte Ltd or LLP
  • 1+ year operating history
  • S$1M – S$20M annual turnover
Collateral None. Personal guarantee required.

Why apply for Trade Term Loan?

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Invoice-Backed Confidence

Secure financing backed by real trade invoices for faster approval and higher limits

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Funds Disbursed Directly to You

Get the financing straight into your business account and take full control

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Predictable Monthly Repayments

Full visibility of your cash flow, with fixed instalments you can plan around

Who Uses Trade Term Loan?

Built for businesses whose cash is tied up between paying suppliers and getting paid by customers.

TTL 2
Paying suppliers upfront

Use a supplier invoice to fund a bulk order or stock purchase, then repay over 6 months as the goods sell.

TTL 4
Bridging long customer terms

Customers on 60- to 90-day terms?
Draw against your sales invoice instead of waiting to get paid.

TTL 3
Recurring trade cycles

Importers, distributors and wholesalers can reuse the same approved limit for each new order within 12 months.

How does Trade Term Loan work?

How trade term loan works: invoices, funds and monthly instalments
One approval. Flexible drawdowns. Predictable repayments.
Step 1: Apply once, get approved

Receive a credit limit of up to SGD 300,000, valid for 12 months and reusable.

Step 2: Draw funds when you need them

Submit your supplier or customer invoices and receive funds in your account within 2 working days.

Step 3: Repay monthly

Repay the principal in 6 equal monthly instalments for each drawdown.

 

 

No matter where you sit in the trade cycle, your invoices become working capital you can rely on.

Run your business, not your books.

 

Trade Term Loan vs Other Trade Financing Options

Not sure which fits? Here's how Trade Term Loan compares with our other working capital products.

Trade Term Loan Accounts Receivable Financing Accounts Payable Financing Business Term Loan
Best for Recurring supplier payments or longer cash cycles Unlocking cash from unpaid customer invoices Paying suppliers on your behalf, locally or overseas General working capital or expansion
Based on Supplier or customer invoices Customer (sales) invoices Supplier (purchase) invoices Business financials (unsecured)
Funds go to Your business account Your business account Your supplier, paid directly Your business account
Financing amount S$100K – S$300K limit; up to 100% of invoice Up to S$1M credit line; up to 90% of invoice Up to S$500K credit line; 100% upfront S$100K – S$1M
Tenor & repayment 6 equal monthly instalments per drawdown 30, 60, 90 or 120 days Up to 90 days Up to 12 months, monthly instalments
Disbursement Within 2 working days - Within 3 working days As fast as 48 hours
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GOVERNMENT-ASSISTED FINANCING

Explore Additional Financing Support for Your Business

FS Capital Pte. Ltd. is a Participating Financial Institution under Enterprise Singapore's Enterprise Financing Scheme (EFS).

Discover how government-assisted financing can support your business needs, including working capital and trade activities.

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1. Enterprise Singapore shares risk

The government shares part of the loan default risk with participating lenders.

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2. FS Capital assesses applications

We review your application based on scheme eligibility and our credit assessment.

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3. Your business gets financing if approved

Receive financing from FS Capital to support your business needs.

Subject to scheme eligibility and FS Capital's credit assessment. Borrowers must repay the full loan amount. Not all Funding Societies financing products are EFS facilities.

Frequently asked questions

Disclaimers

Every reasonable effort has been made to ensure that the turnaround time is adhered to but the timeline may still be subject to change depending on various circumstances, including but not limited to the completeness of information furnished by the applicant.
All applications and disbursements remain subject to internal credit assessment and approval.
Other Terms and Conditions may apply. For more information, please refer to https://fundingsocieties.com/terms-of-use 

We got you covered

Not what you’re looking for? We have other financing solutions available to serve your needs.

Check out our other SME loan offerings

Indonesia

Pemberi Dana

layanan@modalku.co.id

+62 877 7126 5290

 

Penerima Dana

info@modalku.co.id

+62 877 7873 6144

 

Unifam Tower, Jl. Panjang Raya

Blok A3 No.1, Kedoya Utara,

Kebon Jeruk, Jakarta Barat,

DKI Jakarta, 11520, Indonesia

Singapore

info@fundingsocieties.com

General Enquiries:

+65 6221 0958

 



Sales Enquiries:

+65 6011 7534

 

108 Robinson Road

#06-01

Singapore 068900

Malaysia

info@fundingsocieties.com.my

Primary contact

+603 9212 0208

 

Secondary contact

+603 2202 1013

 

Unit 15.01 & Unit 15.02,

Level 15, Mercu 3,

KL Eco City, Jalan Bangsar,

59200 Kuala Lumpur

Thailand

SME Loan

info@fundingsocieties.co.th

+66 93 139 9721

 

Investment

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+66 62 197 8661

 

No. 188, Spring Tower,

10th Floor, Phayathai Road,

Thung Phaya Thai Sub-district,

Ratchathewi District,

Bangkok, 10400

Vietnam

info@fundingsocieties.vn

(+84) 28 7109 7896

 

The Sarus Building

67 Nguyen Thi Minh Khai,

Ben Thanh Ward,District 1,

Ho Chi Minh City, Vietnam

 

Dreamplex

174 Thai Ha Street,

Trung Liet Ward,

Dong Da District,

Hanoi, Vietnam

 

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Funding Societies is Southeast Asia's leading SME digital financing platform. We specialise in all forms of short-term financing for SMEs, funded by individual and institutional investors. We pride ourselves in speed and flexibility, offering the widest range of term loan, trade finance and micro loan products. Backed by SoftBank Ventures Asia Corp and Sequoia India, amongst many others, Funding Societies has helped to finance over S$2 billion in business loans regionally. We are dedicated to the vision of enabling SMEs through equitable financial access, ultimately making a positive impact for our societies in Southeast Asia.

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