Singapore SME Financing Advisory
Business Financing
Made Simple.
Helping Singapore businesses navigate financing with greater clarity. We assess your requirements, structure your financing approach and coordinate suitable financing options to help your business access the capital it needs.
Up To
S$500K
EFS Working Capital
Financing Solutions
Financing Solutions for Every Stage of Business
Whether you're strengthening cash flow, investing in equipment, financing a project or preparing for your next phase of growth, Cornerstone Capital Services helps businesses explore financing solutions suited to their requirements.
Enterprise Financing Scheme
Government-supported financing options for eligible Singapore enterprises.
Discuss on WhatsApp →Working Capital Loan
Financing designed to support everyday operational and cash-flow requirements.
Discuss on WhatsApp →Business Loan
Business financing for expansion, investments and other corporate requirements.
Discuss on WhatsApp →Property Loan
Financing solutions involving commercial or business property requirements.
Discuss on WhatsApp →Overdraft Facility
Flexible access to working capital for ongoing business cash-flow needs.
Discuss on WhatsApp →Import Financing
Financing solutions supporting inventory purchases and international trade.
Discuss on WhatsApp →Equipment Financing
Finance machinery, vehicles, technology and other business equipment.
Discuss on WhatsApp →Project Financing
Financing structured around qualifying projects and business opportunities.
Discuss on WhatsApp →Private Financing
Alternative financing solutions for businesses with requirements outside conventional facilities.
Discuss on WhatsApp →Enterprise Financing Scheme
Government-Supported Financing for Singapore Enterprises
Explore government-supported financing options designed to improve access to financing for eligible Singapore enterprises.
Working Capital Loan
S$500K
Maximum quantum under prevailing scheme limits
- Up to S$500K under the Working Capital Loan
- Potential to structure Working Capital Loan alongside Business Term Loan facilities, subject to assessment
- Indicative rates ~3%+ to 4%+ p.a., subject to bank assessment and eligibility
- No collateral may be required for qualifying facilities, subject to lender requirements
- Potential flexibility for early repayment, depending on facility and lender terms
- Government shares loan-default risk with participating financial institutions
For official programme details, refer to enterprisesg.gov.sg. Cornerstone Capital Services is not affiliated with or endorsed by Enterprise Singapore. Financing remains subject to eligibility, participating financial institution assessment and credit approval.
Indicative Rates
~3–4%+ p.a.
Subject to bank assessment, prevailing rates and eligibility.
Why Cornerstone
Why Work With Cornerstone Instead of Approaching Just One Bank?
Going Direct to One Bank
When a business approaches one bank, its financing requirements are assessed according to that institution's individual credit criteria, risk appetite and available facilities.
This can limit the options available to the business.
Working With Cornerstone
Cornerstone takes a broader approach. We assess your business financials and financing objectives, identify potential risk factors and help structure the financing case before coordinating suitable opportunities across multiple financial institutions.
- Broader view of available financing options
- Coordination across multiple financial institutions where appropriate
- Financial assessment before submission
- Identification of potential risk factors
- Better structuring of the financing request
- One point of contact throughout the process
01
Assess
02
Structure
03
Position
04
Coordinate
05
Secure
Don't limit your business to one financing conversation.
Discuss Your Financing OptionsSuccess-Based Advisory
We Succeed When You Succeed.
For applicable financing engagements, our advisory fee is success-based. No advisory fee unless the agreed financing facility is successfully approved and fully disbursed, subject to our engagement terms.
Start with a conversation about your business, financing requirements and objectives. We'll help you understand the options available before determining the appropriate next steps.
Start a Conversation on WhatsAppHow It Works
A Clearer Path to Business Financing
01
Understand
We understand your business, financing requirements and objectives.
02
Assess
We review the relevant business and financial information to understand the financing position.
03
Structure
We help structure the financing request and identify issues that may affect the application.
04
Coordinate
Suitable financing opportunities can be coordinated with relevant financial institutions and financing partners.
05
Completion
We support the process through approval and disbursement.
Business Advisory
Build a Stronger Business, Not Just a Better Balance Sheet.
Cornerstone Capital Services provides practical business advisory services designed to help SME owners make better-informed financial and growth decisions.
Business Planning
Develop clearer business objectives, priorities and execution plans.
Cost Structure Analysis
Review business costs and identify opportunities to improve operational efficiency and margins.
Revenue Target Setting
Establish measurable revenue objectives aligned with business capabilities and growth plans.
New Industry Expansion
Assess and plan opportunities to enter new industries, markets or business segments.
Growth Strategy
Develop structured strategies for sustainable business expansion.
Advisory Approach
Strategic Guidance That Turns Insight Into Action.
Our advisory engagements are structured to bring clarity to complex business decisions. We combine financial understanding with practical business perspective — helping SME owners move from ideas to executable plans.
Discovery
We start by understanding your business model, current challenges, and long-term direction.
Diagnostic Review
Financial position, cost structure and operational efficiency are reviewed to identify key opportunities.
Recommendations
We present a structured set of recommendations tailored to your business capacity and goals.
Implementation Support
Ongoing support during execution, with reviews to help keep initiatives on track.
What You Can Expect
Advisory That's Practical, Not Theoretical.
Clear Financial Perspective
Understand where your business stands and what drives its performance.
Actionable Roadmap
Specific next steps, not generic frameworks — matched to your business capacity.
Independent Viewpoint
An outside perspective to challenge assumptions and validate priorities.
Long-Term Partnership
Advisory that evolves with your business — from planning to expansion.
B2B Lead Generation
Reach the Companies That Matter.
Cornerstone Capital Services also provides B2B lead generation solutions for businesses looking to expand their sales pipeline and reach relevant corporate prospects.
Verified B2B Company Leads
Access targeted company information based on relevant business criteria.
Key Decision Maker Information
Identify relevant business decision-makers to support more focused B2B outreach.
Suitable For
How B2B Lead Generation Works
A Focused Pipeline of the Right Prospects.
Generic outreach wastes time and dilutes your brand. Our B2B lead generation approach helps you focus on companies and decision-makers most likely to benefit from your offering — supporting stronger conversion rates and shorter sales cycles.
Whether you're expanding into a new industry vertical, launching a new corporate solution, or scaling an existing B2B sales function, we tailor lead lists around your ideal customer profile.
01
Define Your ICP
We work with you to define industry, company size, geography and decision-maker profiles that match your ideal customer.
02
Curate the List
Targeted company data and verified decision-maker details are compiled into a structured, ready-to-use lead list.
03
Deliver & Support
Leads are delivered in a usable format — with optional guidance on outreach approach and messaging positioning.
Company Data
Business name, industry, size, location and relevant firmographics.
Decision Maker Info
Names, titles and roles of relevant contacts within target organisations.
Contact Points
Business email addresses and professional profiles where available.
Custom Filters
Lists refined by industry, revenue, headcount or your custom criteria.
Stop chasing the wrong prospects.
Tell us about your ideal B2B customer, and we'll help you build a pipeline that reflects the companies most likely to convert.
About Cornerstone
Financing Should Support Your Business — Not Hold It Back.
Cornerstone Capital Services Pte. Ltd. works with Singapore businesses to help them navigate business financing requirements. We take time to understand the client's business before recommending an approach, provide practical financial assessment, communicate clearly, structure financing thoughtfully, and coordinate with relevant financial institutions and financing partners — all with a long-term business perspective.
Director
Samuel Lim
Director, Cornerstone Capital Services Pte. Ltd.
Samuel is your direct point of contact at Cornerstone Capital Services for discussions around business financing, business advisory and B2B lead generation.
Start with a straightforward conversation about your business. Samuel will listen, help you understand your options, and guide you toward the most appropriate next steps for your financing requirements.
Speak to Samuel on WhatsAppFAQ
Questions, Answered.
Cornerstone assists with a broad range of financing solutions including the Enterprise Financing Scheme (EFS), Working Capital Loans, Business Loans, Property Loans, Overdraft Facilities, Invoice Financing, Import Financing, Equipment Financing, Project Financing and Private Financing.
Financing quantum depends on multiple factors including financial performance, credit assessment, existing facilities, business profile and the specific criteria of participating lenders. We assess your position and help identify the range of financing that may be suitable for your business.
The Enterprise Financing Scheme (EFS) is administered by Enterprise Singapore to improve access to financing for eligible Singapore enterprises through participating financial institutions. Under the scheme, the Government shares loan-default risk with participating financial institutions. For full and current programme details, refer to enterprisesg.gov.sg.
Eligible enterprises may access financing of up to the prevailing scheme limit under the Working Capital Loan, subject to Enterprise Singapore requirements and participating financial institution assessment and approval. Actual approved quantum depends on lender assessment of your business.
Collateral requirements vary according to the financing facility and specific lender requirements. Some qualifying facilities may not require collateral, while others may. We can help you understand the requirements for the financing options you're exploring.
Timing depends on the financing product, completeness of documentation, the financial institution involved, and the complexity of the application. We do not promise fixed approval periods, but we work to help move applications forward efficiently.
Approaching one bank limits your business to that institution's individual credit criteria and available facilities. Cornerstone assesses and structures the financing requirement first, then explores suitable opportunities across multiple financial institutions to help you access a broader range of financing options.
No. All financing applications remain subject to lender assessment, eligibility criteria, credit approval and applicable terms and conditions. Cornerstone does not and cannot guarantee approval.
For applicable financing engagements, Cornerstone operates on a success-based advisory model — no advisory fee unless the agreed financing facility is successfully approved and fully disbursed, subject to agreed engagement terms.
The easiest way is to send us a message on WhatsApp at +65 8852 5425. We'll have a short conversation about your business and financing needs, and take it from there.
Important Information
The information on this website is provided for general informational purposes only and does not constitute financial, legal or professional advice. Financing availability, quantum, interest rates and terms are subject to bank assessment, prevailing market rates, and eligibility. All financing applications are subject to the relevant financial institution's eligibility requirements, credit assessment and approval. Cornerstone Capital Services Pte. Ltd. does not guarantee financing approval. Government-supported schemes, including the Enterprise Financing Scheme (EFS), are subject to prevailing eligibility criteria and programme terms set by Enterprise Singapore. References to Enterprise Singapore schemes on this website are for informational purposes only and do not imply government endorsement of, or affiliation with, Cornerstone Capital Services Pte. Ltd. Rates and financing limits may change without notice. For current and official EFS programme details, please refer to enterprisesg.gov.sg.
Get In Touch
Let's Discuss Your Financing Requirements.
Start with a straightforward conversation. We'll listen, understand your business, and help you explore your options.
Chat With Us on WhatsAppDirect Line
+65 8852 5425