No broker.
No fees.
Just funding.
Most SME owners pay brokers 5–10% of their loan just to get matched with a lender. FYNCA does it free — direct access to working capital, caveat loans, invoice financing and more.
Save thousands. Get funded in under 24 hours.
Our financing solutions
One point of contact for the full spectrum of SME financing. We assess your situation and recommend the best fit.
Working Capital Loan
Flexible short-term funding to keep your business running — payroll, suppliers, and day-to-day cashflow.
Business Term Loan
Term loans for expansion, equipment, or working capital — tailored to your Singapore SME.
Overdraft Facilities
A revolving buffer from trusted lenders to handle unexpected expenses with confidence.
Equipment Financing
Finance machinery or technology to keep your business competitive without upfront capital.
SME Loans
We streamline the process and find the perfect SME loan to match your business needs.
Invoice Financing
Unlock immediate cashflow by financing outstanding invoices — no need to wait for payment.
Personal & Mortgage Loans
Leverage our lender network for the most competitive personal or mortgage options.
Property Cashout
Free up capital tied in your property for investments or business expansion.
Project Financing
Tailored packages for large-scale or unique projects, leveraging our lender network.
Is our financing right for you?
We work with Singapore SME owners and businesses across all industries who need fast, flexible funding — no broker fees, no middlemen, just straight access to the right lender.
- Payroll or supplier payments
- Inventory or stock replenishment
- Bridging cashflow gaps
- Business expansion or renovation
- Equipment or asset purchase
- Invoice financing for outstanding payments
Not sure which product fits? Submit your details and our adviser will recommend the right option.
Industries we serve
Singapore-registered company
Director or business owner
How it works
Three steps to get matched with the right lender — no broker, no fees, no commitment.
Submit details
Fill in a short 60-second form. Tell us about your funding need and business situation.
Speak to adviser
Our team contacts you within 24 hours to discuss your situation and required documents.
Get matched
Receive funding options tailored to your situation. No spam. No hard sell. Just clear next steps.
Built for discretion and speed
Singapore-based team
Local expertise, local service. We understand the Singapore SME landscape inside out.
Private & discreet
Your information stays confidential. We never share your data without consent.
24-hour response
Qualified submissions get assessed within 24 hours on business days.
Zero broker fees
No commissions, no hidden charges. We connect you directly to lenders at no cost.
Access to 30+ lenders across Singapore
We work with a curated panel of banks, finance companies and licensed lenders — so you get the best match for your situation, not just the first available option.
Licensed Banks
Major local and international banks offering competitive SME loan rates.
Finance Companies
Licensed finance companies specialising in SME lending and business financing.
Licensed Moneylenders
Registry of Moneylenders-licensed institutions for fast, flexible credit.
Private Credit Funds
Alternative lenders providing bridging, property-backed and growth capital.
All lending partners are registered under Singapore law.
Tell us about your situation
Complete the assessment in 60 seconds. Our team will respond within 24 hours.