We know the weight of decisions that sit on your desk at dawn. You want to free cash without selling an asset you built. We stand beside you to turn your property value into practical financing with care and clarity.
As Property Equity Loan, we guide you through the application from start to finish. We simplify jargon, explain interest and rates, and show which terms shape total cost. Our aim is to help support your cash flow and working capital needs while keeping control of the asset.
Whether you own an industrial unit, office, or retail space in Singapore, our team links corporate banking standards with an approachable process. You’ll see clear details lenders review so you can plan amounts, repayment, and risk with confidence.
Key Takeaways
- Unlock equity to access financing without selling your asset.
- We simplify rates, interest, and key terms so you compare options.
- Guided application support aligns your profile with lender expectations.
- Suitable for industrial, office, or retail spaces to fund growth or cash flow.
- Contact us via Whatsapp to get the latest deals and a quick eligibility view.
Unlock Working Capital From Your Commercial Property Equity
Convert idle equity into usable cash without surrendering control of your asset. You can access working capital to cover payroll, supplier terms, or time-sensitive opportunities. This approach preserves ownership while unlocking funds fast.
Why Singapore firms tap equity for financing
Secured borrowing often offers more competitive rates than unsecured options. Many banks provide up to 80% of property value and bundles that cover up to 100% of renovation costs. You can choose a fixed package or a SORA-pegged interest rate, with SORA published the next business day.
Who this service suits
This solution fits operating companies, investors, and SMEs that need liquidity for expansion, equipment upgrades, or seasonal months. A clear assessment of rental income and cash flow helps set expectations early.
Fast guidance and next steps
- We offer quick help support and a preliminary assessment to show what you can get.
- A relationship manager typically issues a conditional offer after review.
- Whatsapp us at to receive latest deals and valuation-based options tailored to your commercial property.
“We turn asset value into practical funding with clarity and care.”
Your business property loan: key features, rates, and terms
We break down the main features lenders assess so you can pick the right amount and repayment plan.
Loan amount and LTV: Many banks offer up to 80% of asset value for commercial purposes. In selected cases, operating firms may access up to 90% LTV, and some packages include 100% financing for renovation when bundled with the mortgage.
Interest choices
Choose fixed packages for predictability or a SORA-pegged structure where the interest rate follows market moves. SORA references (3‑month compounded) are published by MAS the next business day, and can affect monthly installments.
Repayment and tenure
Tenures commonly range from 1 to 25 years, with some lenders offering 5 to 30 years. A shorter repayment period cuts total interest; a longer tenure eases cash flow.
Fees, promos and support
- Typical fees: processing fee, legal costs, and valuation charges.
- Promotions may include fee discounts and legal/valuation subsidies that lower upfront price.
- Watch for lock-in clauses and early refinancing charges; we explain these in plain language.
Practical note: The final amount you can draw depends on the bank’s assessment of cash flow, rent support, and valuation price. We benchmark offers so your structure balances certainty, total cost, and future flexibility.
“We help you match the amount requested with realistic valuation so net proceeds meet your plan.”
Whatsapp us at to get latest deals, an indicative amount range, and a side-by-side comparison of fixed versus SORA-pegged options for your business.
How it works: from application to disbursement
Kick off the process by sharing concise property facts and financial aims for a fast preliminary assessment.
Streamlined steps
- Submit your online application with key details so we can pre-screen against lender policies.
- A relationship manager will call to confirm use of funds, structure, and preliminary terms.
- We then coordinate valuation, checks, and issue a conditional offer for your review and sign-off.
Documents checklist
Prepare address, floor size, tenure, valuation price or price information, and any option to purchase.
Also include the last two years of financial statements and the latest three months of bank statements.
| Step | Typical timing | Key deliverable |
|---|---|---|
| Pre-screen | 1–2 days | Eligibility note |
| Relationship manager review | 1 business day | Conditional offer |
| Valuation & legal | 7–21 days | Final terms & fees |
| Sign & disburse | Within months | Funds released to your account |
We guide you through guarantor endorsements, SORA timing (published the next business day), and any subsidies that reduce upfront costs. Whatsapp us at to get latest deals and a tailored document pack.
“Clear steps, timely updates, and a relationship manager who keeps you informed.”
Compare commercial property loan options and maximize savings
A clear comparison of fixed and floating structures helps you lock in certainty or chase savings.
Fixed packages give installment certainty for an initial period. That helps budgeting and protects cash flow when rates rise.
Floating or SORA‑pegged options track market moves and can lower cost if rates fall. We model total interest over the full tenure so you see long‑run trade-offs.
Practical points to weigh
- If monthly outflow is tight, a longer repayment period lowers installments; if cutting interest paid matters most, choose a shorter term.
- Flexible repayment and flexible repayment period choices can align period years with lease cycles or project timelines.
- Review fees—processing fee, legal, valuation—and promotions. Some banks offer fee discounts and valuation subsidies that raise your net amount.
- Refinancing inside a lock‑in may trigger charges; timing affects break‑even on switching.
| Option | Typical tenure (years) | Primary benefit | Watch for |
|---|---|---|---|
| Fixed package | 1–5 | Payment certainty | May cost more if rates fall |
| Floating (SORA) | 5–25 (some up to 30) | Potential savings if rates decline | Payment volatility |
| Flexible repayment | 1–30 | Aligns with cash flow cycles | Check fees and break clauses |
“We quantify how a 0.5% or 1.0% shift changes repayments and total interest so you can decide with confidence.”
We right‑size the amount to your plan and get property value assessments. Whatsapp us at to get latest deals and a side‑by‑side of property loan scenarios tailored for Singapore.
Conclusion
Use equity in your building to fund short-term needs or long-term plans with clarity.
A business property loan can be a disciplined way to convert value into working capital while you keep ownership. Lenders in Singapore offer fixed and SORA-pegged structures, with SORA published by MAS the next business day.
We frame your application with the right valuation price, documents, and clear terms so approvals and disbursement move predictably. You will see how interest, rates, fees, amount sizing, and repayment years affect cash flow.
Ready to proceed? Whatsapp us at to get latest deals, a tailored amount range, and a lender-ready document list sent to your account email today. With Property Equity Loan, your property value works for you with steady help support and end-to-end execution you can trust.
FAQ
What is a business property loan using property equity in Singapore?
It’s a financing solution that lets you unlock value from a commercial real estate asset you already own. You use the equity in the asset as collateral to obtain funds for working capital, refinancing, or expansion. Lenders assess property valuation, credit profile, and cash flow before offering terms.
Why tap property equity instead of taking a new corporate credit line?
Accessing equity can give you larger advances and longer repayment options than many unsecured facilities. It often offers lower interest rates and better tenure flexibility, helping you preserve existing working capital and maintain operational liquidity.
Who is this service designed for?
This solution suits operating companies, property investors, and SMEs that hold commercial real estate in Singapore and need financing for growth, debt consolidation, or capital expenditure. It is ideal for asset-rich owners seeking flexible funding without selling assets.
How much can I borrow against my commercial asset?
Loan-to-value (LTV) depends on property type, condition, and borrower profile. Typical leverage ranges up to 80%–90% of assessed value for eligible cases. Final LTV is confirmed after valuation and credit assessment.
How are interest rates set and when are they updated?
Rates come as fixed packages or floating options pegged to SORA. Floating rates are typically published and updated next business day. Your rate depends on tenure, LTV, and financial standing.
What repayment period options are available?
Repayment terms range from short-term arrangements to multi-year tenures. We offer flexible structures to match cash flow — interest-only periods, amortizing schedules, and tailored repayment windows to suit your plan.
What fees should I expect during application and disbursement?
Common fees include processing, valuation, and legal charges. Promotional processing fee reductions and valuation support may be available. Your relationship manager will share a full fee schedule in the conditional offer.
What documents do I need to apply?
Prepare property title documents, the latest valuation or purchase price, corporate financial statements, management accounts, bank statements, and ID for directors. Additional documents may be requested depending on structure and property type.
How long does the application to disbursement process take?
After submission, you’ll receive a relationship manager call and a conditional offer once assessments finish. Timelines vary but well-prepared applications with complete documentation can reach disbursement within a few business weeks, subject to legal and valuation timelines.
Can I refinance an existing mortgage on a commercial asset?
Yes. Refinancing is common to secure better rates, extend tenure, or change repayment structures. We’ll compare total interest costs over the remaining tenure to help determine if refinancing is beneficial.
How do fixed and floating rate options compare?
Fixed rates give payment certainty and protect against rate rises. Floating rates, often SORA-pegged, can start lower but vary with market movement. We’ll model total interest across your chosen tenure so you can weigh stability versus potential savings.
What determines the property valuation used for lending?
Valuation considers location, condition, rental income potential, and comparable sales. Lenders typically require an independent valuer to confirm the value before finalizing the loan amount.
Is there support available during the process?
Yes. A dedicated relationship manager guides you through application, documents, valuation coordination, and post-approval steps. You can also contact support via WhatsApp for quick updates and latest valuation-based deal options.
What are common reasons an application gets declined?
Declines usually stem from insufficient asset value, weak cash flow, high existing leverage, or incomplete documentation. Addressing these areas ahead of application improves approval chances.
How do I decide the right amount and tenure to borrow?
Balance immediate funding needs with repayment capacity. We recommend projecting cash flow, comparing interest cost across tenures, and consulting your relationship manager to design a structure that preserves liquidity while meeting objectives.
