YOUR VALUED PARTNER
IN STRUCTURING EQUITY
FINANCING FOR YOU

ABOUT EQUITY FINANCING

Equity Financing is a way for individuals or business owners to raise financing through pledging assets. Also known as secured financing, the asset owner pledges the asset, typically a property, or a another asset with value to the financier.

The financier then finances the borrower based on a percentage of the value of the asset. Financing amounts can range from 50% to 90% of the asset value.

The borrower then pays a fixed monthly instalment based on the loan amount issued.

Equity Financing can be used to finance many and a variety of assets. Typically inSingapore it is used for the following:

Private Property Financing
Home Equity Loan
Private Property Equity Gear up
Vessel Financing
Machine Financing
Floor Stock Financing

The financing can be done relatively quickly as the security of the asset is the main consideration, in secured financing deals in Singapore, unlike unsecured business loans where the strength of the borrower is the main consideration.

ADVANTAGES

Lower Interest Rates

With Equity Financing, the asset pledged or caveated functions as security. This means less risk for the lender and translates into lower interest cost for the borrower. For example, unsecured business loan interest rates in Singapore can range from 3.5% - 6% flat rate per year, while secured financing may be lower than that subject to lender assessment.

Easier Approval

In equity financing deals, the strength of the security is measured as the approving factor. This means that the borrower might not be able to get a unsecured financing product, but by pledging a property for gear up he or she can easily get financing.

Higher Financing Amounts

Property equity financing gives the borrower higher loan amounts compared to unsecured loans as there is already a security in the event of default. This is valued by business owners who might need large sums of working capital in their business.

TYPES OF EQUITY FINANCING

Equity Financing

Pledging a security, vessel, or property for financing. This allows borrowers to obtain financing based on the value of the asset pledged. This financing product is straightforward and provides financing for asset holders

Learn more

Secured Term Loan

A Secured Term Loan is a financing product extended to Singaporean or Singapore based borrowers. Borrowers can obtain financing based on a security that they can offer for collateral. This allows for a higher financing amount based on the security type.

Learn more

Property Equity Term Loan

Singapore or Overseas property owners can utilize their property to obtain financing. This allows for them to unlock the cashflow in their properties for business expansion or for personal usage. The loan or commonly known as LTV can range from 50- 90% of the property value.

Learn more

Home Equity Loan

Similar to property equity loan, home owners in Singapore, Malaysia, Thailand or Bangkok can use their property as security to obtain additional financing either for their business or for their personal requirements

Learn more

Vessel Financing

Vessel Financing allows the vessel owner to pledge the vessel as security for the financing needs of the owner. The process for vessel financing is slightly longer as greater due diligence is required on vessel financing in Singapore

Learn more

Private Property Gear Up
Financing

Private properties can be used to obtain financing by the property owner. We allow for first or 2nd charges on the property. This mean that if the property is stillunder mortgage by the bank, we are able to loan the difference between the outstanding loan amount and equity of the property.

Learn more

Pledged Loan

Pledged Loans allow for the borrower to pledge collateral, in the form of commodities, machinery, property or vessels to obtain financing. This allows greater cashflow for the borrower for the business in.

Learn more

Kuala Lumpur (KL)
Secured Property Loan

We are able to obtain financing for Kuala Lumpur properties in the central KL district. If your property is based in the KL Golden Triangle region, we are potentially able to finance against the property pledged.

Learn more

Kuala Lumpur (KL)
Property Equity Loan

We are able to provide Property Equity Loan for Properties based in Malaysia, KL. For properties that have significant equity, property owners can unlock their cashflow for their property by performing a property equity loan.

Learn more

Hong Kong (HK)
Property Secured Property Loan

For properties in Hong Kong, we are able to extend financing based on the property secured. A Loan to Value or LTV is typically in the range of 50- 80% of the security and financing can be up to USD 30million.

Learn more

Hong Kong (HK)
Property Equity Loan

For Hong Kong based property owners, we are able to extend a property equity loan based on the collateral offered. This allows owners to obtain financing at a lower interest cost and at a higher amount compared to an unsecured product.

Learn more

Bangkok Thailand
Secured Property Loan

For properties based in Thailand we are able to extend financing based on the property value for properties based in Bangkok. Financing amount can be in THB,USD or SGD.

Learn more

Bangkok Thailand
Property Equity Loan

Thailand property owners can obtain a property equity loan based on the value of the property. This allows for higher financing amounts based on the security. Bangkok property owners can use this to obtain financing for their business. The Loan to Value or LTV can range from 50% - 90% for the borrower.

Learn more

WHY US?

Expert Advice

Our Loan Specialists are domain experts and will give you current, updated

Discreet and Confidential

All information sent to us is kept confidential during the application process. All documentation is shredded and disposed

Urgency

We work fast and with a purpose. Most enquiries are attended to within 4 hours of

Success - based Pricing

Our charges are on approval only and there are no hidden fees.

Easy Way to Get Your Loan

Search Loan Options or Enquire Directly Here

A LoanOwl specialists will call you based on your selection

We work with you on for documentation

You relax, and let us get you financing

We contact you when business financing has been approved

FREE ENQUIRY

FAQ

How Long Does It take for a Loan To be approved?
Depending on the application the loan approval process will take between 3 to 10 working days
What is the interest rate that I can expect?
For the Micro Loan scheme, you can expect an interest rate from 3.7% flat per annum. You can pay off the loan at any point of time and the interest will be pro-rated
How do I know which loan I Quaify for?
If you are a Singapore incorporated company, you can potentially qualify for business financing, no matter how long your company has been incorporated. To know your options simply enquire here or call us.
Which lenders do you work with?
We work with all local and foreign banks in Singapore, Private Financiers and other lenders.
How do I get started with an application?
Simply enquire here, or drop us a call.

FREE ENQUIRY