Tailored SME Loans and Business Financing for Singapore

We specialise in tailored business loans of up to S$10m, approved quickly to fit your unique business requirements.

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Up to 10 million SGD of SME business loans

We can help your business financing needs of up to S$10 million.

Term loan rates as low as 0.8% per month

We work closely with your tailored needs to provide the most competitive interest rates.

SME business loans approved in 24 hours

With our bespoke financing solutions, your business loans can be approved as soon as within 24 hours.


From our client that trusted us

“Even though we have healthy accounts receiveable, our cashflow was low. LyteFinance worked closely with our team to provide a tailored business loans to improve our cashflow. This allowed us to purchase more inventory to meet our increased demand.”


Let us help your cashflow needs

Our SME business loans offerings

SME financing solutions for Singapore businesses

SME Working Capital Loan

Our tailored working capital loan solutions because no business is the same.

More on SME Working Capital Loan

Lyte Credit Score

Credit Assessment and Scoring for SMEs – helping you assess credit so you can focus on growing.

More on Lyte Credit Score

Why choose LyteFinance for your SME business loans and financing?

Our clients trust us

Save time

Reduce paperwork, concentrate on the important things and leave us to make your considered decisions with business loans.

Build confidence

We adopt good compliance practices and clear structures so that we can grow your businesses efficiently and effectively.

Reduce costs

With your best interests in mind, we believe in keeping our fees low and transparent for our clients that trust us with their SME business loans.

FAQs on our SME business loans

Reach us at [email protected] for a detailed walkthrough on the application process or fill in the “Contact Us” form.

To meet the minimum requirements, your business must be:

  • A Singapore company with business operations in Singapore.
  • Have a minimum of one (1) Singaporean director; and
  • at least one (1) year of credit records prior to your credit application.

If you do not meet these requirements, we may consider other criteria subject to our discretion.

Our proprietary credit scoring system will calculate the interest rates best suited to your application, considering several factors such as ability to repay and the risk of default.

You may apply for multiple products offered by LyteFinance. For each application, our credit team will run a separate analysis, however, for existing clients this process is streamlined. We consider all outstanding loan obligations, including any previous products that you have taken up with us.

Following our standard client due diligence process, we will require the following documents from you:

  • Your financial statements from the past two (2) years (audited statements preferred).
  • Your bank statements from the past six (6) months.
  • Your latest Accounts Receivables Aging; and
  • Your latest Accounts Payables Aging.

We take the protection of your personal data seriously and our processes are designed to meet the requirements of the Personal Data Protection Act (No. 26 of 2012). Please refer to our Privacy Policy for more details on how we securely store your information and keep it confidential.

For the purposes of our credit analysis, our business and financial information will only be made available to our risk assessment team, insurance company, and the credit bureaus on a strictly need-to-know basis.

The maximum loan quantum we currently offer is S$10 million.

In certain cases, we may require a security deed, which is a charge over receivables and accounts.

Here at LyteFinance, we work quickly. Upon receiving all the requisite documents, it will take us only twenty-four (24) hours to approve your application (if successful). Once approval is granted, and after the legal documentation has been signed, the funds will be disbursed to you within the next twenty-four (24) hours.

We allow early repayments on our financing products. However, Invoice Financing and Procurement Financing are subjected to a minimum tenure of one (1) month while LyteLease is subjected to a minimum tenure of three (3) months.

You may make repayments using any mode of payment listed below that you are comfortable or familiar with. Payment methods accepted by us include:

1) Bank transfer (FAST/Giro)

2) Cheque

Yes, our automated systems will provide you with gentle reminders whenever upcoming payments are due.

It is important to keep up to date with your repayment schedule or you might be charged a late fee if you miss a payment. We will also provide you with regular reminders whenever upcoming payments are due.

If you consistently fail to repay and are in default of our agreement, LyteFinance will initiate enforcement actions that could include legal summons, debt collection services or even bankruptcy.

Lyte Ventures is the holding company of Fundflow Pte Ltd. LyteFinance is the brand name of Fundflow Pte Ltd. Lyte Ventures respects, and is compliant with, all applicable laws. The company consults with regulators, and keeps up to date with government-issued guidelines, regulations, and legislation in all jurisdictions it operates in.

Lyte Ventures is also the holding company of LytePay Pte Ltd. LytePay Pte Ltd is a Major Payment Institution licensed by the Monetary Authority of Singapore (MAS) under the Payment Services Act to provide (i) account issuance service; (ii) domestic money transfer service; and (iii) cross-border money transfer service. Please note that this does not mean you will be able to recover all the money you paid to if LytePay’s business fails.

Our core team

Agile team with an entrepreneurial mindset that understands the challenges of finding the right working capital structure for your business.


Head of BD and Partnerships


VP, Global Partnerships


BD Manager


VP, BD and Partnerships

Soek Yee

Credit Administrator

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Useful business insights by our team

Based in Singapore, Lyte Ventures provides financing solutions to freelancers and SMEs around the world. Driven by the desire to empower individuals and businesses alike Lyte Ventures is committed to creating opportunities for everyone through our digital platforms. We hold fast to integrity, empathy, and being future-proof in our strategy, design, and innovation.