01
Supplier Deadline Bridge
Pay suppliers on time so stock, materials, or credit terms are not affected.
Singapore SME Private Lender
Need to pay suppliers, payroll, or stock before cash comes in?
Bridgerfund helps Singapore SMEs bridge short-term cash-flow gaps.
Clear terms. Decision in 24 hours. Up to S$500,000 if approved.
Flexible assessment
Decision in 24 hours
Up to S$500,000
From 1.5% monthly*
Terms and rates subject to assessment. Full terms disclosed in writing before you commit.
Funding that fits real SME cash flowSuppliers, payroll, stock, project costs, and late customer payments.
About Bridgerfund
By business owners, for business owners.
Bridgerfund was built by a team with hands-on experience running and financing Singapore SMEs — across F&B, trading, and services.
We've been on the operator side of the table. We know the weight of a Friday supplier deadline when the customer is only paying in 30 days.
That's why we assess the situation, not just the credit file. Practical questions, sensible paperwork, and a straight answer within 24 hours.
Choose the bridge that matches your cash-flow gap.
Sometimes the business is fine — the cash just comes in later than the bills go out. These are the situations we're built for.
02
Payroll Timing Bridge
Meet payroll on time while waiting for customer payments to come in.
03
Receivables Gap Bridge
Bridge approved invoices or customer payments that take 30, 60, or 90 days to arrive.
04
Stock & Order Bridge
Buy stock or fulfil a confirmed order before the sales money comes back.
05
Project Cash-Flow Bridge
Keep projects moving when milestone payments or claims are delayed.
06
Working Capital Bridge
Handle short-term operating expenses when revenue timing is uneven.
Can my business apply?
You do not need a perfect bank profile, but we need enough information to assess whether funding is suitable.
1
Singapore-registered entity
Your company must be registered in Singapore.
2
At least 1 year in business
We look for operating businesses with trading history.
3
Monthly revenue from S$10,000
Minimum monthly revenue of S$10,000.
4
Singapore / PR shareholding
At least 30% Singapore Citizen or PR shareholding.
5
Practical business need
Examples include supplier payments, payroll, stock purchases, sales orders, project costs, or urgent working capital.
6
Personal guarantee
Director or guarantor personal guarantee required.
Not sure if you qualify?Message us on WhatsApp — we'll tell you in 5 minutes.Whatsapp Us
How we work.
Four steps. No black box. You see the terms before you decide anything.
01
Apply online or WhatsApp us
Share your business details, how much you need, and what the funding is for. Takes about 5 minutes.
02
We review the situation
We look at your business profile, bank statements, funding purpose, guarantor profile, and repayment pathway. We ask practical questions — not just tick boxes.
03
You see the terms before you commit
If the case makes sense, we explain the amount, rate, tenure, and terms in writing. You decide from there. No hidden fees.
04
Funds disbursed if approved
Decision within 24 hours. Funds disbursed within 1 business day once documents are complete.
Illustrative approved-case flow only. Actual approval, terms, signing, and disbursement timing depend on assessment and completed documentation.
Why business owners choose Bridgerfund.
Five things that make a difference when you're bridging a cash gap.
✓
We ask about the story behind the numbers.
A slow month for a reason isn't the same as a slow month for no reason. We assess the situation, not just the file.
✓
Repayment matched to your cash flow.
Weekly, fortnightly, or monthly — structured around when your money actually comes in, subject to assessment.
✓
No credit checks for initial enquiry.
You can ask if your case fits before any credit bureau or CBS review is requested. Formal assessment may require checks later, with your information.
✓
Repay early, save on interest.
No penalties. If cash comes in sooner, close the loan sooner. We reward it.
✓
Top-up and repeat funding when the business needs it.
Handled before the current loan ends, subject to review. Faster the second time.
Funding examples.
Every application is assessed individually.
Supplier deadline covered
A trading company needed to pay an overseas supplier before collections arrived. Funding helped secure stock and protect supplier terms.
Payroll and rent bridged
An F&B business had strong sales but delayed platform payouts. Funding helped cover wages and rental timing pressure.
Project delay handled
A contractor was waiting for milestone payment approval but needed to pay workers and materials first.
Fleet costs covered
A logistics operator needed to cover fuel, fleet, and driver costs while waiting for customer collections.
Festive stock secured
A retailer needed to buy pre-Chinese New Year inventory before seasonal sales revenue came back.
FAQs
Questions before you apply.
Simple answers before you send in your details.
What does Bridgerfund do?
Bridgerfund provides short-term business-to-business funding to Singapore-registered companies. We help SMEs cover supplier payments, payroll, stock, sales orders, project costs, and late customer payments when bank timelines don't work.
Are you a licensed moneylender?
No. Bridgerfund provides business-to-business funding to Singapore-registered companies — this is regulated differently from consumer moneylending. We do not lend to individuals for personal use.
Is this a bank loan?
No. This is private business funding. Our process, pricing, speed, and documentation are different from a bank — we assess the situation, not just the credit file, and can move much faster.
Who can apply?
Singapore-registered companies with at least 12 months of trading history, minimum S$10,000 monthly revenue, and at least 30% Singapore Citizen or PR shareholding. A director or guarantor personal guarantee is required. Newer businesses may be considered on a case-by-case basis.
What documents do I need?
Typically, we may request:
- 6 months' company bank statements
- latest 2 years' financial statements
- guarantor's CBS report
Additional documents may be requested depending on the application.
How fast can funding be arranged?
We aim to give a decision within 24 hours of receiving your application. If approved and documents are complete, funds may be disbursed within 1 business day.
What are the rates and fees?
Rates start from 1.5% monthly and depend on the business profile, funding amount, tenure, and guarantor. All rates and fees are disclosed upfront in writing before you commit. No hidden charges.
Is approval guaranteed?
No. Every application is assessed on its own merits, including business performance, guarantor profile, funding purpose, and repayment pathway.
Can I repay early or top up?
Yes. Early repayment is allowed. Top-up and repeat funding is available before the loan ends, subject to review.
What if I can't repay on time?
Contact us as early as possible — we'd rather work with you than escalate. Late or missed repayment can lead to additional charges, collection action, and impact on the personal guarantor's credit record.
Apply now for up to S$500,000
Submit a quick enquiry. We'll respond within 24 hours via WhatsApp.
- Terms shown before you decide
- Up to S$500,000, subject to review and approval
- Decision within 24 hours
- Funds disbursed within 1 business day if approved
- Early repayment, top-up, and repeat funding available before the loan ends