THE BROKERAGE ADVISORY
For established, owner-led businesses in Singapore
The Brokerage Advisory is an independent financing advisory that helps businesses understand their financing situation before deciding where and how to approach banks, financiers or capital providers.
Past results and network size do not guarantee financing, rates or terms for any future case.
Why use a financing advisory
Banks, financiers and capital providers each look at a business differently. An advisory helps you see your situation as they might, and decide where to go first.
Going directly to a bank can be the right choice when a business already knows the facility it needs and has its information ready.
We help you work out what information a financier is likely to ask for, and what is missing, before any approach is made.
If a bank has declined you, or a facility no longer suits the business, we review your current position and discuss what to consider next.
Financing we help businesses understand
Why The Brokerage Advisory
The Brokerage Advisory is not a bank, financial institution or licensed moneylender. It does not present a single institution’s product set as the answer.
Our local and overseas network gives us a range of banks and financiers to consider for your requirements. Availability depends on the business and each financier’s assessment.
Our advice draws on 10+ years of combined experience.
What clients say
“It was a great experience working with The Brokerage, they've offered solid advice & solutions and helped us successfully obtained over $3 million in loans & credit facilities for the financing required for our expansion plans especially our govt projects. We've done all of our projects with a peace of mind, without worrying about cashflow to take on new business opportunities as well. Professional and timely”
“I have bad experiences with loan brokers, many said they can help us but none of it worked. The Brokerage managed to help us secure $300k in working capital loan and gave us many advice that other brokers didn't even bother to share. I will go to them for all my future loan applications.”
“I am 72 this year and banks didn't accept my application for an equity term loan. They helped me to secure over $5 million with a very reasonable interest rate and monthly instalment. Happy with the service & results”
“Every year I will definitely take up a loan to buy my products in bulk to prepare for 10/10 and 11/11 sales. Been working with this broker for 4 years and counting, fast & smooth process very reliable.”
“I was gladly surprised that they're able to obtain approval for my import & export line of credit at such a good rate & high quantum. I was rejected by 2 local banks 5 months ago. The process was smooth, provided my docs and everything was settled without hiccups.”
Testimonial 1 of 9: Mr Koh, Construction & Engineering
Client testimonials describe individual experiences, not a guarantee of financing, rates or future outcomes.
Not sure where to start? Tell us about your situation.
An assessment is an initial discussion only. It is not a financing approval, offer, commitment or guarantee.
The opportunity is clear, but available cash may not move at the same speed.
Understand when funding is needed, what creates the timing gap and which obligations sit around it.
Explore this situation →A rejection is a reason to understand the situation before another approach is made.
The useful question is what happened, what information was considered and whether preparation, structure or route should change.
Explore this situation →Business circumstances change. A facility that once worked may become restrictive.
Look at the current facility in the context of the business, project cycle and changing capital requirement.
Explore this situation →Several obligations, entities, assets or project milestones may need to be viewed together.
The financing picture comes first. Route selection follows once the situation is clearer.
Explore this situation →Industries
Financing needs are shaped by how a business earns, spends, delivers and gets paid. We work with established, owner-led businesses in Singapore across these sectors, with Construction & Engineering as a priority specialization.
Financing considerations around project mobilisation, working capital, payment cycles and performance-bond requirements.
Financing considerations around inventory, equipment, expansion, receivables, purchasing cycles and the timing of operating cash flow.
We also work with businesses across other sectors where the financing requirement needs to be understood in the context of the underlying business.
How we work
A financing conversation becomes more useful when the situation is assessed before a route is pursued.
Understand the business, project, obligations, timing, existing facilities and the financing question behind the request.
Separate the visible funding request from the underlying timing, structure, credit, route or preparation issue.
Shape the financing logic, supporting information and relevant route so the situation can be approached clearly.
Identify the appropriate financier path, prepare the financing story and determine the next step before a formal approach is made.
After you enquire
Describe the funding purpose, timing and what has changed.
Relevant business, facility, project or transaction information can be discussed.
Where appropriate, the conversation can move toward route considerations and preparation.
Financing pathways
Review business, trade, property, project and performance-bond situations through one advisory conversation. Private and complex capital considerations can be discussed where they are relevant to the case.
Selected route
May be relevant when the business needs working capital, growth funding, refinancing considerations or a clearer facility structure around its operating cycle.
Explore this route →May be relevant when the business needs working capital, growth funding, refinancing considerations or a clearer facility structure around its operating cycle.
Explore this route →May be relevant where supplier payments, invoices, imports, exports or customer receipts create a transaction-linked funding need.
Explore this route →May be relevant where property is part of the financing requirement and ownership, valuation, existing debt and repayment considerations need to be assessed.
Explore this route →May be relevant for projects, complex structures or situations that require a broader capital conversation.
Explore this route →May be relevant where a contract requires security connected to performance, obligations or project delivery.
Explore this route →Financial utility
Estimate a monthly repayment from your own financing amount, annual rate and tenure. This is a planning aid only.
Open the calculator →This calculator uses Effective Interest Rate (EIR) on a reducing balance (amortisation) method. EIR reflects the true cost of borrowing including principal + interest. Simple interest rates quoted by lenders will appear lower. Actual repayment, rate, and fee structures vary by lender. Not a loan offer or financial advice.
Questions
No. The Brokerage Advisory is a Singapore-based independent financing advisory. It is not a bank, financial institution or licensed moneylender.
It is an initial discussion about your funding purpose, timing, business context and relevant information. It is not a financing approval, offer, commitment or guarantee.
No. A free financing assessment is an initial discussion only. It is not a financing approval, offer, commitment or guarantee. Any financing route depends on the information provided and the relevant financier's assessment.
A previous bank rejection is one of the situations the advisory can assess. The starting point is understanding what happened and whether preparation, structure or route considerations should change before another approach.
Yes. Construction and engineering is a priority client segment. Typical situations include project mobilisation, working-capital timing, performance-bond requirements and existing facility constraints.
The useful starting information depends on the situation, but may include the funding purpose, timing, existing facilities, relevant contracts or invoices and other documents that bear on the financing question.
A financing advisory helps a business understand its financing situation before deciding where and how to approach banks, financiers or capital providers. The focus is on the situation first, then the possible route.
Start with the situation
Tell us what you are trying to achieve. We understand the situation first, then discuss next steps.
