What types of financing do you offer?

We cover a wide range of SME Business Financing — working capital loans, business term loans, overdraft facilities, invoice financing, equipment financing, property cashout, and personal and mortgage loans.

Who qualifies for FYNCA financing?

Directors and owners of Singapore-registered companies. We work with businesses across all industries and funding sizes.

What documents do I need?

Generally: ACRA bizfile, last 6 months bank statements, and basic company financials. Our team will guide you through the full checklist after your assessment.

How fast can I get funded?

Our team responds within 24 hours of a complete submission. Some products like invoice financing can move within days, while term loans take longer.

Why is FYNCA free? How do you make money?

FYNCA does not charge borrowers any broker or referral fees. We earn through lender partnerships — meaning you get the same access to financing without paying the 5–10% broker commissions that independent loan consultants typically charge.

How is my data protected?

We comply fully with Singapore's PDPA. Your information is used solely for funding assessment and is never shared with third parties without your explicit consent.

DIRECT-ACCESS SME BUSINESS FINANCING

No broker.
No fees.
Just funding.

Traditional brokers charge 5–10% commission just to email your documents to lenders. FYNCA connects your Singapore business directly to 30+ major financial institutions, automating the application so you keep every dollar you borrow.

Check Eligibility How It Works

30+LENDERS CONNECTED

$0BROKER FEES EVER

24hrRESPONSE TIME

5-10%COMMISSION SAVED

FYNCA LINK NETWORKLive Connection

Your SME Business

Singapore UEN Verified

Required Capital$150,000 SGD

Verification Myinfo Shared

DIRECT TO BANKS (NO BROKERS)

Tier 1 Bank

Offer Ready

5.15% p.a.Matched

Alternative Fund

Offer Ready

5.50% p.a.Matched

✔

Best Match Found

Comm saved: $12,500

No FeeComplete

Financing products

Every type of SME Business Financing, under one roof.

You don't need to navigate the complexity of multiple banks. We automate the connection and present the optimal financing options matching your UEN profile.

Business financing

Capital to run and grow your operations.

Working Capital

Short-term cash for payroll, suppliers, and rent. Fast drawdown, flexible repayment.

Business Term Loan

Lump-sum for growth: new locations, renovations, hiring. Fixed monthly instalments.

Overdraft Facility

A credit line ready for unplanned expenses. Pay interest only on what you draw.

SME Business Loans

Government-assisted and commercial SME loans across banks and licensed lenders.

Invoice Financing

Collect early on outstanding invoices instead of waiting 30–90 days.

Asset & project

Fund equipment and one-off projects without tying up cash.

Equipment Financing

Finance machinery, vehicles, or tech without draining working capital.

Project Financing

Construction draws and one-off deals — structured around the project, not the balance sheet.

Property & personal

Unlock property equity and personal financing.

Property Cashout

Turn equity in commercial or residential property into working capital.

Personal & Mortgage

Personal and mortgage financing through our lender network.

Not sure which financing option is right for your business?

Consult an Adviser — It's Free

Eligibility & Use Cases

Built for Singapore SME owners who need capital to move.

If you are a director or shareholder of a Singapore-registered business looking to bypass high broker fees and directly tap into multiple financial options, FYNCA is built for you.

Cover payroll when clients pay late
Top up stock before peak season hits
Bridge the gap between invoices and payments
Expand to a new location or renovate
Buy equipment without tying up cash reserves
Free up cash locked in outstanding invoices

Verification Dashboard

✔

Active Singapore-Registered Company (UEN)

✔

Singapore Citizen/PR Director or Corporate Representative

Supported Sectors

Construction

F&B

Trading

Logistics

Services

Manufacturing

Retail

Tech

Simple Process

Three steps. Zero broker friction.

We bypass middlemen so you can connect directly with capital sources. Here is what happens after you start.

STEP 01

Share your requirements

Complete a brief 60-second assessment. Provide basic details about your financing needs, loan purpose, and UEN.

STEP 02

Consult with an expert

An adviser contacts you within 24 hours to clarify details, review document requirements, and verify your criteria.

STEP 03

Compare & select offers

Receive matched offers from our network of 30+ lenders. You choose the best rate; we handle the application flow.

See Your Options

Instant Estimate

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.

Trust & Partners

Securing Singapore's business lending network.

FYNCA integrates with the highest standards of data security to connect business owners with institutional capital safely, maintaining absolute privacy throughout the matching phase.

Singapore Focused

We are a Singaporean team deeply familiar with local regulatory frameworks, MAS guidelines, and the local business funding climate.

Bank-Grade Privacy

Your UEN and financial information are securely transmitted. We only route your case to approved lenders. No spam, ever.

Reply Within 24 Hours

Submit during operational hours and a human financing specialist will respond within 24 hours to guide you through matched offers.

ALL 30+ FINANCIAL PARTNERS IN THE FYNCA NETWORK ARE DULY LICENSED UNDER THE LAWS OF THE REPUBLIC OF SINGAPORE.

What SME Owners Say

Real businesses, real financing outcomes.

“FYNCA delivers exactly what it promises—zero broker friction and real funding options delivered fast. The platform made securing capital for SEA-LAND AUTOMATION straightforward and cost-effective. No hidden surprises, just clear execution. Exceptional platform for local SMEs.”

Raymond Lim

Director, Sea-Land Automation Pte Ltd

“In our industry, cash flow timing and quick access to expansion capital are everything. FYNCA removed the traditional hassle of dealing with multiple banks individually. Through a single, seamless platform interface, we evaluated our matched financing options quickly and locked in optimal terms without giving away heavy broker commissions. An essential tool for Singapore business owners.”

Lifen

Designbuild Construction

“Honestly just relieved we didn't have to fork out a 3% or 4% cut to an independent broker just to get introduced to a bank. We were looking for S$250k in working capital for inventory, got connected directly to a couple of solid institutional options, and finalized everything without paying unnecessary middleman commissions. Wish I knew about this months ago.”

Marcus T.

GET STARTED

Tell us about your business

Complete the direct-match assessment in 60 seconds. Our verification team will contact you within 24 business hours.

Loading assessment form...

FAQ

Frequently Asked Questions

Get straightforward answers about our direct lender matching platform, verification process, and commissions.

No broker.No fees.Just funding.