SME Loan Eligibility Calculator (Singapore)
Estimate how much your business could borrow — free, instant, no credit check. Then compare real offers from 30+ licensed banks and lenders with zero broker fees.
How much could your business borrow?
A 10-second indicative range based on common criteria across our 30+ lender network.
Estimate only, based on typical criteria across lenders — not an offer or approval. FYNCA is a loan matching intermediary, not a lender. Actual amounts, rates and terms are determined solely by our licensed lending partners after assessing your application.
How Singapore lenders decide what your SME can borrow
There is no single formula, but most banks and licensed lenders in Singapore anchor unsecured SME facilities to your revenue — commonly around 3 to 6 times monthly revenue. From that starting point, they adjust for how long you have operated, how healthy your bank statements look, and how much debt you already service.
Businesses operating for 3 or more years with clean statements sit at the top of the range. Younger businesses can still qualify, especially with alternative lenders, but usually for smaller amounts and shorter tenures. Owning property — commercial or residential — opens property-backed facilities that can significantly exceed unsecured limits.
The DSCR test most lenders run
Lenders check your debt service coverage ratio (DSCR): monthly operating cash flow divided by total monthly loan repayments including the new loan. Most want to see a ratio of at least 1.2 — meaning your cash flow covers repayments with a 20% buffer. If a proposed loan pushes your DSCR below that, lenders will offer a smaller amount or a longer tenure rather than decline outright.
From estimate to real offers
An estimate is a starting point — real numbers come from lenders. FYNCA connects your business directly to 30+ banks and licensed lenders in one Singpass-verified application, free, with zero broker fees. You compare the actual offers and choose. FYNCA is a loan matching intermediary, not a lender: all lending decisions are made by our licensed lending partners.
Check Your Eligibility — Free →Frequently asked questions
How much can my SME borrow in Singapore?
Most Singapore lenders size unsecured SME facilities around 3 to 6 times monthly revenue, adjusted for operating history, cash flow stability, and credit profile. Businesses with commercial or residential property can typically access larger, property-backed facilities. This calculator gives an indicative range; actual amounts are decided by each licensed lender.
Is this calculator accurate?
It provides an indicative range based on criteria commonly used across our network of 30+ banks and licensed lenders. It is an estimate, not an offer or approval — every lender applies its own credit assessment, and factors like bank statement conduct, existing debt, and industry affect the final amount.
What do lenders check when deciding my loan amount?
The main factors are monthly and annual revenue, years in operation, bank statement conduct (average balances, bounced payments), existing loan obligations and debt service coverage ratio (DSCR), director credit history, and whether property or other collateral is available.
Does using this calculator affect my credit score?
No. The calculator runs entirely in your browser with no credit checks. Even submitting a full FYNCA application does not trigger multiple hard credit inquiries — you submit once, and we match you to suitable lenders.
How do I get an actual loan offer?
Complete FYNCA's 60-second application with Singpass. We match your business directly to suitable lenders from our network of 30+ banks and licensed lenders, and you compare real offers — free, with zero broker fees. FYNCA is a loan matching intermediary, not a lender.