CrediFlow Business Loan
Fast, flexible working capital for Singapore SMEs. Get funded in days with transparent terms and unique cost-saving benefits for businesses that meet their payment commitments.
Funding Amount
$15K - $150K
Interest Rate
From 1.1%/mo1
Decision
48 Hours2
Tenure
3 - 12 Months
Calculate Your Loan
Get an instant estimate
Monthly Payment
$9,083
Processing fee rebate
Refunded at loan maturity
Indicative only. Subject to credit assessment. A processing fee of 5% is charged on disbursal. Late payments attract additional fees and interest.
Three Ways to Save on Your Loan
Unique benefits designed to reduce your financing costs when you meet payment commitments and settle early
50% Processing Fee Rebate
Maintain a perfect payment record with no late payments and receive 50% of your processing fee back at loan maturity.
Example on $100,000 loan
Save $2,500
50% of $5,000 processing fee
Zero Early Repayment Penalty
After the first 3 months, settle your loan early without paying any penalty. Stay in control of your cash flow.
Early repayment fee
$0
After 3 months
Interest Rebate on Early Settlement
Repay your loan before the full tenure and receive a rebate on interest for the remaining months.
Interest rebate
Pro-rated
Based on remaining tenure
Built for Growth & Opportunity
Flexible capital that adapts to your specific business needs. Choose how you want to grow.
Seize Bulk Discounts & Seasonal Demand
Don't let cash flow limit your purchasing power. Use CrediFlow to buy inventory in bulk, secure early-payment discounts from suppliers, or stock up ahead of peak seasons without draining your reserves.
Secure better margins with bulk orders
Fulfil large unexpected orders instantly
Simple Application Process
From application to funding in as little as 3 business days
Apply Online
Complete our simple online application in 15 minutes. Upload your documents digitally through our secure portal, or contact us at hello@credezo.com for manual application.
Get Approval
Receive a credit decision in as fast as 48 hours. Some applications may take longer depending on complexity.
Receive Funds
Sign your loan agreement digitally and receive funds directly to your business account within 1-3 business days.
Transparent Fee Structure
No hidden costs, no surprises. Every fee is disclosed upfront in your Letter of Offer.
Processing Fee
Charged on disbursement only
5%
Interest Rate
Flat monthly rate
1.1% - 2.0%
Late Payment Fee
Per missed payment
$150
Early Repayment Fee
After 3 months
$0
Minimum 6 months operating history
Annual revenue of at least $250,000
Minimum 30% local/PR shareholding
Singapore-incorporated Pte Ltd or LLP
NRIC/Passport copy of directors
CBS report (within 30 days)
Latest year Notice of Assessment
6 months bank statements (original PDF)
1 Quoted interest rate is a flat rate, not an effective interest rate (EIR).
2 48-hour decision timeline applies from receipt of complete documentation. Some applications may be faster or slower depending on complexity.
3 50% processing fee rebate applies when all scheduled payments are made on time with no late payments. Early repayment forfeits rebate eligibility.