VSL Equity
OUR LOAN PROGRAMS
Thanks to our experienced team with decade-long experience in SME and real-estate lending, we now have ready access to quality deal flows, strategic relationships with various banks & alternative financial institutions, law firms, property appraisal companies and even mortgage brokers (who provide referrals to us despite being our competitors), real estate professionals and other business professionals.
Let VSL help you take full advantage of the current credit conditions in the real estate market and contact our loan specialists today for the best options available for your capital requirements!
Business Term Loans
(Unsecured)
Temporary Bridging Loan
Programme (TBLP)
Enterprise Financing Scheme (EFS)
– SME Working Capital Loan
Professional Start Up Loan
(Medical Doctors & Dental Surgeons)
BUSINESS TERM LOAN (UNSECURED)
Temporary Bridging Loan Programme (TBLP)
Looking for extra funds for better management of your working capital or expansion of your current
Looking for extra funds for better management of your working capital or expansion of your current business without having to pledge your personal &/or company assets as collateral?
As announced at the Solidarity Budget 2020 on 6 April 2020, eligible enterprises may borrow from banks and financial institutions (“Lenders”) under the TBLP with the following features:
- Maximum loan of $5 million per Borrower
- Effective interest rate capped at 5% p.a.
- Repayable over a fixed equal installment plan (between 3 and 5 years)
- The Government will provide 90% risk-share on the approved loans
- Available till 31 March 2021
Due to the sudden surge in number of applications, Lenders will now usually take 2 weeks (and even up to 1 month for more complex cases) to process a loan application. Here at VSL, you can expect our knowledgeable consultants to expedite the application process due to our experience and familiarity with the Lender’s credit assessment process.
Enterprise Financing Scheme (EFS) – SME Working Capital Loan
SME owners can now take your business further and get rid of cash flow problems immediately!
Announced during the Solidarity Budget 2020 on 6 April 2020, eligible companies can now borrow from banks and financial institutions (“Lenders”) under the Enterprise Financing Scheme – SME Working Capital Loan (EFS-WCL), which has been enhanced to help SMEs* with their working capital and cash flow needs with the following features:
- Maximum loan of $1 million (previously capped at $300,000/-) per Borrower
- Repayable over a fixed equal installment plan (between 3 and 5 years)
- The Government will provide 90% risk-share on the approved loans
- Available till 31 March 2021
VSL will assist your company to negotiate with the Lenders for the lowest interest rates with fast approval process.
SMEs* – refers to Group revenue of up to S$100 million or maximum employment of 200 employees
SME Micro Loan
Daily Operations and cash flow requirements are critical for small companies that are just starting out. Another government initiative to help our local start-ups, make use of the SME Micro Loan to gain access of up to $100K of working capital to help you better manage your cash flow, daily operations and even purchase factory equipment.
Talk to us about how to grow your business to the next level today!
Professional Start Up Loan (Medical Doctors & Dental Surgeons)
Whether you are right out of medical school or a seasoned medical professional planning to start your own practice,
our Professional Start Up Loans that are specially designed to assist medical professionals who are aspiring to start or grow their own medical/dental practice will definitely be able to meet your needs.
BUSINESS TERM LOAN (SECURED)
Equipment Financing Loans (Vessel financing included)
Upgrade or purchase your equipment with our equipment financing loans. Whether you are looking to automate your business, scale your production or upgrade/retrofit old equipment, we have a loan that will meet your needs.
In addition, we support vessel financing under this category of loans and can help you finance the growth of your fleet by borrowing up to 70% of the market value of your vessel to help you lighten your load and manage your monthly cash flow.
Invoice Financing Loans (Factoring)
Looking for an easy and quick way resolve some short term cash flow issues in your business? Searching for a fast loan option to cash in on opportunities in front of you?
Instead of waiting for your business partners to pay you back in 60 or 90 days’ time, why not check out our invoice financing loans?
Leverage on your business’s existing cash flow by releasing capital immediately from outstanding invoices with these loans.
Equity / Shares Financing Loans
Expand your business/investment portfolio and increase your financial flexibility through our portfolio financing program
secured by range of collaterals which includes approved local and overseas company stocks and shares at attractive interest rates from as low as 6.5% p.a.!
PROPERTY LOANS
Commercial Property Loans
Cashflow and speed are crucial in the business of commercial real estate. Whether you are looking to refinance your existing commercial property loans (to a lower interest rate) or to fund your purchase of a retail unit, an office space or even an industrial warehouse, VSL Equity will ensure that your existing &/or next commercial property investment will be funded with ease.
Enjoy up to 70% LTV at an attractive interest rates from as low as 2.75% p.a. with our commercial property loan options!
Residential Property Loans
Application for residential loans can be a pleasant, hassle-free experience. Whether you are looking to purchase your dream house, grow your existing property portfolio or even refinancing your existing mortgage loans for a lower interest rate &/orbetter terms, you can be assured of fuss-free transactions, fair terms, quick funding with VSL Equity.
Equity Term Loans (Star Product!)
Unable to qualify for any business term loans or any unsecured loans due to other existing financial obligations, bad credit history or even pending litigation cases?
Why not consider an Equity Term Loan?
A very popular choice with our customers due it its ease and flexibility, an equity term loan allows you to refinance your existing property loans to any of our extensive network of lenders in order to get an equity term loan (up to 80% of your property value) to ease your business working capital or personal funding needs.
Bridging Loans
The purchase of property can be a long drawn process and financials can be tight in between transactions before you receive your proceeds of sale.
If you have just sold your commercial &/or private residential property but need immediate access the sales proceeds (because completion date is usually 3 months later), let VSL Equity assist you with that via a Bridging Loan right after the Option-to-Purchase is being exercised by the buyer.
With a Bridging Loan, you will be able to use the sales proceeds to complete the purchase of your next new property or any other business &/or personal use during this 3-month window period whichever.
Process is hassle free and no repayment is required until the sale of your property is completed.
