SECURED FINANCING
Secured Financing allows the borrower to obtain financing based on a security or collateral. In Singapore, this collateral can either be a fixed immovable item, like a house, apartment or building or movable items like vehicles, heavy machinery, shipping vessels or aircraft.
The item is pledged to the lender as a security in the event of the default and the borrower then obtains financing based on the value of the property.
Lenders typically issue a Loan-to-Value rate (LTV) which is the loan amount versus the value of the collateral. LTVs can be from the range from 50% - 90%, depending on the term and the asset that will be used for financing..
Secured financing is a widely used product in Singapore, Hongkong, Malaysia and Thailand where property owners can use the property they own to obtain financing either for themselves or for their business.
ADVANTAGES
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 moreSecured 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 moreProperty 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 moreHome 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 moreVessel 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 morePrivate Property Gear Up
Financing
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 morePledged 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 moreKuala Lumpur (KL)
Secured Property Loan
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 moreKuala Lumpur (KL)
Property Equity Loan
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 moreHong Kong (HK)
Property Secured Property Loan
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 moreHong Kong (HK)
Property Equity Loan
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 moreBangkok Thailand
Secured Property Loan
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 moreBangkok Thailand
Property Equity Loan
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 moreWHY US?
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All information sent to us is kept confidential during the application process. All documentation is shredded and disposed
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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
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.
