Running a business requires significant time, effort, and resources. While some entrepreneurs may have investor or family support, many SMEs face challenges accessing funding—especially in the early stages, when banks and traditional institutions often set strict requirements. Without sufficient working capital, it can be difficult to manage daily operations, pay suppliers on time, or seize new growth opportunities.

At 21 Credit, we understand these challenges and provide flexible business financing options tailored to the unique needs of SMEs in Singapore. Whether you need funding for working capital, expansion projects, equipment or asset acquisition, payroll, inventory purchase, or cash flow management, our financing solutions are designed to support your business at every stage.

We offer both secured and unsecured credit facilities, giving you the flexibility to choose the option that best matches your financial situation and business goals. Unlike conventional lenders, our approval process is streamlined and fast, so you can access the funds you need without unnecessary delays.

Beyond financing, our team of experienced advisors is committed to providing responsible credit support. We take the time to understand your business, recommend suitable repayment structures, and ensure that your financing plan aligns with your long-term sustainability. With 21 Credit, you can focus on growing your business while we provide the financial backbone you need.