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Running a business in Singapore requires agility—especially when facing urgent cash flow gaps, unexpected expenses, or short-term funding needs. At Best Licensed Moneylender Pte Ltd, we offer short term business loans tailored to help SMEs, entrepreneurs, and startups manage operational costs, supplier payments, or seize time-sensitive opportunities without long waiting periods. Our loan process is fast, secure, and fully digitalized. Through Singpass MyInfo, you can apply online in minutes and receive your funds on the same day via PayNow or in cash. With flexible repayment terms, competitive interest rates, and no hidden fees, our loans are designed for maximum financial control and minimal risk. What makes us stand out is our commitment to responsible lending, data privacy, and customer-centric service. Whether you run a retail shop, logistics company, F&B outlet, or home-based business, we understand your needs and provide quick business capital—when you need it most. At Best Licensed Moneylender, we’ve supported over 32,000 clients with more than 500,000 disbursed loans since 2004. Our short-term business financing solutions are ideal for covering rental, payroll, inventory, or marketing expenses—helping you stay ahead in a dynamic economy. Apply now to experience transparent, stress-free borrowing with a licensed lender that truly supports Singapore’s business community.
Find the Best Loans with Best Licensed Moneylender
How much do you want to borrow?
$2,000
$1000
$100k
Term (months)
6 months
1 mth
36 mths
Updated 25 July 2025
A short term business loan is a financing solution designed to help business owners manage immediate or unexpected expenses within a short repayment period—typically between 3 to 12 months. Unlike traditional long-term loans from banks, short term business loans are approved faster, require minimal documentation, and are well-suited for urgent operational needs. This type of loan is ideal for small and medium-sized enterprises (SMEs), startup founders, and sole proprietors who face temporary cash flow gaps or need to capitalise on short-lived opportunities such as bulk inventory purchases, equipment repairs, or seasonal hiring. At Best Licensed Moneylender Pte Ltd, we offer business loans without requiring collateral, enabling entrepreneurs to access working capital quickly without risking their assets. Our fast-track approval process—powered by Singpass MyInfo integration—makes applying seamless and secure, while our customised repayment plans ensure flexibility according to your business cycle. Because these loans are unsecured, our credit evaluation focuses on your business revenue, transaction history, and ability to repay, rather than relying solely on credit scores. This allows even new businesses or those with limited credit history to get the financing they need. Whether you're bridging invoice gaps, paying suppliers, or managing payroll, short term business loans offer the agility you need to stay resilient and responsive in Singapore’s competitive business landscape. At Best Licensed Moneylender, we take pride in being a trusted microfinance provider, committed to responsible lending and helping local businesses grow—securely, ethically, and efficiently.
$5,000
disbursed
for medical bills
Last update 25 Jul 2025
Application Submitted in last 30 days
1335
Processing Time average
42min
Calculate your repayments and get clarity on interest rates.
Find the Best Loans with Best Licensed Moneylender
How much do you want to borrow?
$2,000
$1000
$100k
Term (months)
6 months
1 mth
36 mths
Interest % (Monthly)
Total Payment
$0Monthly Installment
$0Total Interest
$0
We are fully licensed by the Registry of Moneylenders and operate in compliance with the Moneylenders Act. This ensures you’re getting your funds from a legal, reliable, and transparent source.
Before offering any loan, we take time to understand your unique financial situation. Our team explains all terms and conditions clearly, so you know exactly what to expect. No jargon, no surprises—just honest, straightforward service.
We go beyond just providing funds. Our personalised loan solutions and responsive support show our commitment to your financial well-being and peace of mind. We listen, understand, and tailor our service to meet your needs.
We take your privacy seriously. Our team follows strict data protection policies to ensure your personal information, loan details, and identification documents stay safe, secure, and completely confidential.
In Singapore’s fast-moving commercial environment, delays in funding can cost businesses valuable opportunities. A short term business loan helps bridge urgent financial gaps so you can maintain daily operations, seize time-sensitive deals, or recover from unexpected disruptions.
At Best Licensed Moneylender Pte Ltd, we understand the financial cycles of SMEs, startups, and freelancers. That’s why we provide flexible short-term financing options with approval in as fast as 20 minutes. Our streamlined digital application process via MyInfo (Singpass) eliminates paperwork, while our team ensures fast disbursement through cash or PayNow.
Whether you're facing late invoice payments, vendor obligations, or short-term liquidity crunches, our customised repayment schemes are designed to fit your cash flow pattern. You don't need perfect credit—just a proven ability to manage your business income and expenses.
With more than 32,000 satisfied clients and over 500,000 loans disbursed, we are a trusted financial partner for entrepreneurs who need support without delays, red tape, or hidden terms. Let us help you stay agile, responsive, and competitive—no matter what the market throws at you.
30-minuteLoan Approval
No GuarantorRequired
CashDisbursed on the spot
Licensedby Registry of Moneylender
At Best Licensed Moneylender Pte Ltd, we make loan applications simple and accessible. Whether you're a Singaporean, PR, or foreigner, we welcome you to apply — as long as you meet the basic eligibility criteria below:
At least 21 years of age
Proof of stable income
Besides banks, licensed money lenders are a great and legal alternative
to secure your loan in Singapore.
The minimum requirements for applying for a loan depend primarily on your citizenship, income level and age. We welcome Singaporeans/PRs and foreigners.
Singaporeans/PR
Singaporeans or PRs need to present the following:
NRICLatest 3 months income proof: CPF or PayslipsForeigners
Foreigners need to present the following:
Valid Employment Pass, S Pass, or Work Permit with a minimum validity of 6 monthsPassportLatest 3 months income proofEmployment contractFor Business Loans
If applying for a business loan, the following additional documents are required:
ACRA Business ProfileFinancial Report ACRA Income Tax Reporting SummaryProof of incoming fundsLatest 6 months of company bank statements
Apply with Myinfo
Submit an application through Singpass Myinfo for fast processing within 3 minutes.
Book an Appointment
Receive same day in-principle approvals. Book your appointment with us today through Whatsapp at the bottom-right.
Receive Your Funds
Funds can be disbursed physically at the outlet, or through your preferred PayNow.
Save yourself hours and let us help you get the best loans
Read latest below or check our reviews on Google
May 15, 2025
Very satisfied with the whole process. Mysta was very friendly and top notch in the service rendered. Highly reccommed. Mysta was well versed and professional in assisting me. Thumbs up 🤝
May 21, 2025
First time engaging with Best Licensed, and I had a smooth experience. Special thanks to Mysta, who assisted me with my debt consolidation. She was articulate, attentive, and took the time to clearly explain all possible solutions. I truly appreciate her professionalism and patience. Highly recommend booking your next appointment with her at Best Licensed.
Apr 10, 2025
First time here. And honestly this was the first money lender I went to that feels so accommodating. The place is nice too. It was a fast transaction where you don’t have to sign any papers yourself. I would like to thank Starry for being nice and for explaining everything. Will recommend this place for sure.
May 27, 2025
⭐️⭐️⭐️⭐️⭐️ Great Service Had a smooth experience with the loan process. Mysta was very professional and helpful — she explained everything clearly and made the process stress-free. Approval and disbursement were fast, just when I needed it most. Appreciate the support and transparency. Highly recommended!
Jun 19, 2025
The service at Best was excellent! The staffs were very friendly from the moment I arrived. I didn’t even have to wait long for my turn & the whole process was fast and smooth. Really appreciate their professionalism and efficiency. Highly recommended!
What is a short term business loan?
What is a short term business loan?
A short term business loan is a type of financing designed for businesses that need quick access to funds to address immediate financial needs. It typically offers faster approval and repayment terms ranging from a few months to a year. This loan can be used for working capital, inventory purchases, or covering short-term operational costs.
How quickly can I get approval for a short term business loan?
How quickly can I get approval for a short term business loan?
At Best Licensed Moneylender, you can receive in-principle approval within 20 minutes of applying. Once approved, we offer same-day disbursement options via PayNow or cash, helping your business maintain momentum without unnecessary delays.
What documents do I need to apply for a short term business loan?
What documents do I need to apply for a short term business loan?
You will need the following documents:
A valid NRIC or work permit for foreigners
Proof of business operations (e.g., ACRA business profile or partnership agreement)
Proof of income (e.g., bank statements, tax returns, or financial statements) These documents allow us to assess your eligibility efficiently and determine the loan amount you qualify for.
Can foreign-owned businesses apply for short term business loans?
Can foreign-owned businesses apply for short term business loans?
Yes, foreign-owned businesses can apply for short term business loans with Best Licensed Moneylender. As long as the business has a valid ACRA registration and meets the basic criteria, we offer accessible financing options with flexible repayment terms tailored to your specific needs.
What are the repayment options for a short term business loan?
What are the repayment options for a short term business loan?
Repayment for a short term business loan can be arranged according to your business's cash flow. We offer flexible repayment plans, including monthly installments via bank transfer or PayNow. Our goal is to ensure the loan is manageable for your business without straining your operations.
Save yourself hours and let us help you get the best loans.
Jun 06, 2025
How to Differentiate Licensed Moneylenders from Illegal MoneylendersProspective clients can identify licensed moneylenders through the presence of a Singpass application function. This is such as the installation of said function requires approval from the Ministry of Law – the regulator of licensed moneylenders in Singapore. At Best Licensed Moneylender in Singapore, we always advise our clients to submit applications via Singpass. Using Myinfo to retrieve your details, this also enables us to perform accurate assessments and provide faster in-principal approvals within 3 minutes.
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How to Identify and Avoid Loan Scams in Singapore?Borrowing money becomes a necessity when the need arises, providing valuable financial assistance. However, it’s crucial to be aware that money scams are increasingly prevalent in Singapore. It is essential to stay vigilant and check for Singapore loan scams to avoid falling victim to fraudulent schemes that could lead to further debt. These scams often target vulnerable borrowers, emphasizing the importance of being informed about the tactics employed by con artists in today’s landscape. The Singapore Police Force reported that 1700 incidents involving at least $6.8 million in fraud were recorded between January and November 2019. All of them could have connections to illicit moneylending. Borrowers can protect themselves from loan scams by having proper knowledge and awareness. This blog post will guide you on identifying and avoiding loan scams in Singapore!
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