Answers to common SME funding questions.

Bridgerfund provides short-term private business funding for Singapore SMEs. Common use cases include supplier payments, payroll, stock purchases, sales orders, receivables delays, urgent working capital, and project cash-flow gaps.

Funding may be available up to S$500,000 if approved. The final amount depends on your revenue, trading history, cash flow, documents, funding purpose, guarantor profile, repayment pathway, and overall risk assessment.

We aim to provide a decision within 24 hours where documents are sufficient. If approved and documents are complete, funds may be disbursed within 1 business day. Delays usually happen when information is incomplete or further documents are required.

We focus on private short-term business funding and practical SME cash-flow situations. Our process is designed around a focused review of the business, funding purpose, documents, guarantor profile, and repayment pathway instead of a long bank-style application process.

Submit a quick enquiry or Whatsapp Us. We review your business profile and funding purpose, request documents where needed, explain whether the case appears suitable, and provide terms before you decide. If approved and accepted, funds may be disbursed once documentation is complete.

As a guide, we look for a Singapore-registered company, at least 1 year in business, monthly revenue from S$10,000, at least 30% Singapore Citizen or PR shareholding, and a practical business funding purpose. Standard director/guarantor documentation applies if funding is approved.

Approval depends on factors such as trading history, revenue consistency, cash flow, repayment source, existing obligations, funding purpose, bank statement conduct, guarantor profile, documents provided, and whether the requested amount is suitable for the business.

The most common delays are incomplete bank statements, missing financials, unclear funding purpose, unanswered questions, unavailable guarantor information, or documents that do not match the declared business situation. The faster accurate documents are provided, the faster we can review.

Short-term needs can be considered. If you only need funding for a brief period — for example to bridge a supplier deadline, receivables delay, or project milestone timing gap — tell us upfront so we can assess whether a suitable structure is available.

Funds should be used for business purposes. Typical uses include supplier payments, payroll, stock or inventory, confirmed orders, project costs, rent, operating expenses, urgent working capital, and bridging late customer payments.

Rates start from 1.5% monthly, subject to assessment. The effective rate varies by risk profile, tenure, amount, business profile, repayment pathway, and guarantor. All rates, fees, tenure, and conditions are disclosed upfront before you commit.

Rates are risk-based. We consider the funding amount, repayment timeframe, business cash flow, bank statement conduct, time in business, use of funds, existing obligations, guarantor profile, and documentation quality before providing terms.

Repayment structure depends on the approved terms and business situation. We may discuss repayment frequency, tenure, and repayment pathway based on the company’s cash flow and the purpose of the funding.

Yes. Early repayment is allowed. If you expect to repay earlier because receivables, sales proceeds, or project payments are coming in, tell us during the review so the terms can be discussed clearly upfront.

Top-up or repeat funding may be available before the loan ends, subject to review. We will consider repayment conduct, current exposure, updated cash flow, funding purpose, and whether additional funding is suitable.

Possibly. Existing obligations do not automatically disqualify a business, but we must assess whether the company can responsibly manage the additional repayment. We will review current loans, cash flow, repayment source, and overall affordability.

Yes. A director or guarantor personal guarantee is required as part of approved funding. Guarantor details and credit information may be requested during the assessment process.

Collateral requirements depend on the case, amount, risk profile, and approved structure. Some cases may not require specific asset security, while others may require additional support or documentation. We will explain requirements before you commit.

Bridgerfund generally looks for operating businesses with at least 1 year of trading history. If the business is newer but has strong revenue, clear documents, or an existing operating track record through the owners, it may still be worth asking us on WhatsApp.

A simple enquiry does not guarantee any credit bureau action. However, assessment may require guarantor credit information such as a CBS report or other checks before terms can be finalized. We will tell you what is needed before proceeding.

No. Approval is not guaranteed. Every application is assessed based on suitability, documents, repayment pathway, funding purpose, business performance, guarantor profile, and risk assessment.