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Small Cash LoansEZ Loan provides business-term loans to support companies in managing immediate and long-term financial needs. Offering quick access to capital, these loans enable business owners to handle a range of expenses, from equipment purchases to growth projects. As a licensed money lender, EZ Loan is committed to helping businesses grow through reliable, accessible financing solutions prioritising transparency and ease. A key feature of EZ Loan’s business term loans is flexibility. Unlike traditional bank loans, which may have rigid terms, EZ Loan offers repayment schedules tailored to match a business's cash flow, helping owners maintain financial stability. Our streamlined application process and competitive interest rates make our business loans a practical, efficient alternative to conventional loans, allowing you to stay focused on business priorities without lengthy delays. Our team values clear communication, ensuring clients fully understand loan terms, fees, and repayment obligations. EZ Loan has loan officers who work closely with each borrower, guiding them through every step to ensure a seamless, reliable lending experience. Whether your focus is on expansion, covering unforeseen costs, or stabilising cash flow, EZ Loan provides a trusted and supportive approach to business financing.
How much do you want to borrow?
$1,000
$1,000
$100,000
Term (months)
6 months
1 mths
36 mths
by EZ Loan Pte Ltd
Updated 13 September 2026
A business term loan is a financial product designed to provide companies with a lump sum of capital repaid over a predetermined period. These loans are typically used for expanding operations, purchasing equipment, or managing cash flow. They offer businesses a structured way to borrow funds with fixed or flexible monthly payments. Unlike lines of credit or revolving loans, business term loans provide a one-time fund disbursement with a defined repayment timeline. The main advantage of business term loans is their predictability. Business owners benefit from a clear repayment schedule for easier budgeting and planning. Licensed moneylenders like EZ Loan simplify the approval process, making these loans a good option for businesses needing fast access to capital without the long waiting periods often associated with traditional bank loans.
Start Your Application
Find out how much your repayments and interest rate could be with our calculator.
How much do you want to borrow?
$1,000
$1,000
$100,000
Term (months)
6 months
1 mths
36 mths
Interest % (Monthly)
Total Payment
Monthly Installment
Total Interest
Businesses in Singapore can obtain financing from banks, financial institutions, and licensed moneylenders. Licensed moneylenders like EZ Loan provide a reliable alternative for companies needing fast access to funds. At EZ Loan, loan approval takes just 20 minutes! Our business term loans are versatile and can be used for expenses like equipment purchases, payroll, or expansion. With fixed monthly instalments, repayment is simple, and we offer options such as bank transfer or PayNow for convenience. With over 10 years of lending experience, EZ Loan takes pride in delivering a seamless application process. Our knowledgeable team is here to guide you through every step, ensuring your business achieves its financial goals.
EZ Loan is a licensed moneylender in Singapore (Licence 19/2026) operating at Beach Road and Marina Square. Fast decisions on personal loan applications. Interest capped at 4% per month.
EZ Loan holds Licence No. 19/2026 from the Ministry of Law. Verify our licence on the MinLaw registry at rom.mlaw.gov.sg. Visit our Beach Road or Marina Square branch for a fast loan decision.
Application processing/completion
Verification required
Decision or disbursement
Ministry of Law · 19/2026
Application processing/completion can be under 10 minutes for eligible applications with complete documents. Some completed applications may receive a same-day lending decision, and some approved loans may be disbursed on the same day, subject to assessment, document verification, face-to-face identity verification and signing.
You can start your application online, visit one of our offices, or connect with us via WhatsApp—whichever is most convenient for you.
Visit one of our branches for a free consultation, present the necessary documents, and finalise the loan agreement.
Some approved loans may be disbursed on the same day. Timing depends on assessment, document verification and the required face-to-face identity verification.
Singaporeans or PRs need to present the following:
NRIC SingPass Payslips for the last three months, if availableForeigners need to present the following:
Employment Pass/ S Pass / Work Permit with a minimum 6-month validity Passport Payslips for the last three months, if available Employment ContractThe minimum requirements for applying for a loan depend primarily on your citizenship, income level and age. We welcome Singaporeans/PRs and foreigners.
Besides banks, licensed money lenders are a great and legal alternative
to secure your loan in Singapore.
LAST UPDATE
13 Sept 2026
Application Submitted in last 30 days
5949
Processing Time average
13 minutes
Credit 21 advertises rates that may start from 1% per month from one registered office at International Plaza. EZ Loan publishes an advertised rate as low as 0.82% per month for eligible applicants and two registered branches. Compare the licence, the written offer and the total amount payable before you sign.
Lending Bee has four registered branches but publishes the 4% legal ceiling on its personal loan and conflicting tenure figures across products. EZ Loan publishes an advertised rate as low as 0.82% per month for eligible applicants and one set of terms. Compare the licence, the written offer and the total amount payable.
Raffles Credit advertises 1–4% from one office at Circular Road and says an interest discount applies on early settlement, without publishing the amount. EZ Loan publishes an advertised rate as low as 0.82% per month for eligible applicants and early full settlement at no extra cost. Compare the written terms.
Compare EZ Loan and Cash Direct by approved locations, application routes, public rate wording, reviews and written repayment terms before applying.
What changes from 15 September 2026: eligible loans, three business days, no interest and approval-fee retention limits.
Jun 23, 2026
Apr 13, 2026
Jul 08, 2026
Jun 15, 2026
Aug 07, 2026
As a licensed money lender under the Registry of Moneylenders, we comply fully with the Moneylenders Act. This means you can trust that your funds come from a secure and reputable source.
Before offering a loan, we take the time to understand your unique financial situation. Our experienced team will clearly explain the terms and conditions of your loan, ensuring everything is straightforward. We're always here to answer any questions or concerns you may have.
Our service goes beyond simply lending money. With personalised loan plans and fast approval, you can rely on us to provide financial support when needed. We prioritise clear communication to ensure peace of mind at every step.
Your privacy and security are our top priorities. Our team adheres to strict data protection protocols, keeping your personal information, loan details, and documents confidential. We are dedicated to delivering excellent customer service throughout your loan process.
Beach Road
