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Need a
Business Loan,
Working Capital,
We bring the Capital to you.
Smart financing for smart businesses. Find your ideal lender with SmartLend.
No Hidden Platform Fees | 70% of borrower receives an offer within 48 hours
Now enabled by:
20+
Alternative lenders and more currently on-board
2000+
SME's Success Stories
5
Google Review
Complementary CBS Report & Free Home Valuation
And most importantly, it's
Completely Free!
Empowering SMEs with More Than Just Matching
At SmartLend, we're creating an ecosystem to empower SMEs with essential tools and resources. Our innovative Business Loan Aggregator addresses your financing needs, helping you achieve your goals faster. This is just the start—exciting new products are on the horizon!
Why Only Alternative Lenders?
Onboarding alternative lenders empowers our platform to cater to the diverse financing needs of SMEs, providing accessible credit solutions when traditional banks reject them or they require short- term bridging loans, ensuring they avoid exploitative rates by streamlining their access to alternative lending options.
Your
Financial Partner
Not Just Matching.
Unlock the Power of Smart Borrowing
Say goodbye to the headaches of dealing with Relationship Managers and brokers for your business loan needs. We get it – navigating the financing landscape can be a maze. How can you be certain you're securing the best deals?

Introducing SMARTLEND. , your compass in the world of SME financing. We've revolutionized the lending game, matching you with alternative lending options tailored for your business. No more guessing, no more endless negotiations.
Empowering Your Business: Bringing Negotiating Power Back to You!
Tired of feeling at the mercy of lenders and brokers? We hear you. It's time to take control of your business financing.

SMARTLEND. is here to revolutionize your borrowing experience, putting the negotiating power back where it belongs – in your hands. No more one-sided deals, no more uncertainty.
Mutual Agreement
Your Loan Experience Elevated.

Introducing our revolutionary single dashboard, designed to simplify and elevate your loan journey. Now, effortlessly track your loan application progress, monitor monthly installments, and enjoy the convenience of timely reminders for upcoming repayments.
Apply Once, Access All.
Apply Once, Access All.
Apply Once, Access All.
Apply Once, Access All.
Apply Once, Access All.
Apply Once, Access All.
Apply Once, Access All.
Apply Once, Access All.
Apply Once, Access All.
How SmartLend Works
5 Step & under 5 minutes Seamless application. Our goal is to reduce the need for users to manually input information that can be obtained through Myinfo Business.
1
Register your account:
Create your SmartLend account quickly and securely with 2FA to begin your seamless borrowing journey.
2
Apply via Singpass:
Use MyInfo Business for a quick, hassle-free process—no data entry, just a few clicks.
3
Upload basic financial documents:
Attached your business's Latest 6 Months Bank Statements.
4
Complimentary Credit Bureau Report
Access and Upload your free Personal Credit Bureau Report seamlessly through our secure platform.
5
Viola! Choose your offer:
Enjoy the simplicity of selecting from multiple tailored loan offers, empowering you to make the best financial decision for your business with SmartLend.
Upgrade to Concierge:
Your Fast-Track to Funding
Enjoy one-on-one RM support, pre-approval checks, and direct lender negotiations
Learn more
Get Concierge Access
Dedicated RM, Unified Inbox
We liaise with lenders so you can focus on your business and await approval stress-free.
Pre-Qualified Loan Matches
Say goodbye to generic rejections. We connect you only with lenders you're eligible for.
Priority Processing & Faster Turnarounds
Jump the queue with concierge support—your application gets flagged for faster review and faster disbursal.
Smart Monitoring & Early Refinance Alerts
Get notified when you're eligible for better terms. We track your loan health and flag refinance opportunities early. Jump the queue with concierge support—your application gets flagged for faster review and faster disbursal.
You asked, we answered.
Can't find your question? View all our FAQ’s, chat with us onWhatsApp, or email us via:hello@smart-lend.com
How do I apply for a Business Loan?
Can anyone apply for a Business Loan?
Why can’t I apply for a loan?
Can I speak to the lenders of the platform?
How can I talk to my private lender?
My loan has disappeared, where did it go?
How long does it take for me to get a loan approved?
Our trusted Clients
Our mission is to drive progress and enhance the lives of our customers by delivering superior products and services that exceed expectations.
5
Super easy to apply — I just scanned my Singpass and was done in under 3 minutes! Way better than other sites where I had to key in all my personal and company info manually. Best part? I got multiple offer to compare within a day.
Adam Chang
Wholesale of Beverage Owner
5
I needed short-term funding for my seasonal business and decided to try SmartLend instead of going through a loan broker. Got the funding I needed in just 5 days — and best of all, no hefty third-party fees.
Fatimah
Wedding Planner Owner
5
I was a bit skeptical about their concierge service at first, but overall I’m happy as they delivered what they promised. There were some hiccups along the way, but the SmartLend team really pushed to get me the tenor I needed.
Alfred Ong
Construction Firm Owner
5
Got rejected by the banks, but SmartLend helped me secure a small loan to tide over until our invoices came in. Really thankful they made it happen when we needed it most.
Raj Kumar
F&B Business Owner
4.9
SmartLend made the whole process super easy and fast — I applied in minutes, compared loan offers, and even negotiated terms, all on one platform. I could see my repayment schedule clearly and track everything in one place. It really puts the power back in the borrower’s hands!
Sri Laksmi
Retail of Dried & Fresh Flowers Owner
5
With Smartlend I was able to get financing so quickly, eveything was there in-time as relayed by their relationship manager, overall very satified with the service.
Jonathan Gan
CTO of Cayden Studios
⭐ Don’t just take our word for it — hear from business owners like you!
Reviews
5.0
103 reviews
See all our reviews
Review us on Google
The same trusted team behind Smart Towkay powers SmartLend. (Check our 5-star Google Reviews!)
When you apply with SmartLend, you'll be guided by the very experts who've helped thousands of SMEs secure the right funding with confidence.
I recently contacted Mr. Jason regarding a small loan, and I must say he is one of the most courteous and professional individuals I’ve met. He patiently listened to my situation and offered valuable advice. He then connected me with Mr. Kuah, who supported me throughout the entire loan process with great dedication and sincerity. Mr. Kuah maintained consistent communication with the bank and kept me well-informed every step of the way. Thanks to both of them, the whole process was smooth and stress-free. Exceptional service from start to finish — a well-deserved 5 stars!
Md. Abdullah Al Mahmud
2 weeks ago
Powered by Google
I recently used Smart-Towkay's brokerage service and had an excellent experience, thanks to the guidance of Junior Kuah. I was impressed by their professionalism and efficiency. Junior was friendly and helpful, answering all my questions and guiding me through the process. One thing that stood out was their attention to detail and ability to find a great solution for my needs. I would highly recommend Smart-Towkay's brokerage service, especially Junior Kuah, to others because of their expertise and customer-centric approach.
Barbara Ng
Edited a week ago
Powered by Google
Thankful for the service and guidance on my business, appreciate the time taken for both Jason and Jackie. As I mainly focus on operations, business financial is definitely well taken care of by Smart Towkay! If you are planning to know more on what services they could provide, do consult and look out for them! 101% recommended!
Tan Boon Thye
a month ago
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As featured on
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Go Beyond Loan Applications
Use Our Smart Tools to Power Your Business Easily get an instant valuation of your home property and discover how much equity you could unlock with a term loan — all in one platform. Plus, securely store and track all your loan commitments in our Document Vault, whether from financial institutions or alternative lenders.
🏠 Coming Soon: Property Equity Loan (First/Caveat Mortgage)
Access Up to 90% of Your Home/Commercial Residual value in Cash for Your Business—No TDSR Assessment Required!
Unlock the hidden value in your property to fuel business growth. With our Property Equity Loan, you can cash out equity quickly and easily, with offers from multiple prestige lenders—all in one place.
🔓 Instant Equity Access at Your Fingertips
Our Smart Mortgage AI makes it effortless. Just scan your Singpass to get an instant, authenticated assessment of how much equity you can unlock—min upload of document, no guesswork, no delay.
Documents Vault
Managing multiple loans as an SME owner can be challenging.
Business owners often struggle to keep track of various agreements, leading to confusion about repayment schedules and outstanding balances.
Our Loan Document Vault makes it easy by securely storing all your loan documents in one place. Simply upload your loan offer letters, and we’ll take care of the rest.
With our user-friendly interface, you can quickly access your contracts, repayment schedules, and terms—all at a glance. Streamline your loan management today!
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SmartLend.
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SmartLend Financial Pte. Ltd. Is part of Smart Towkay Brand
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114 Lavender St., #07-77 CT Hub 2, Singapore 338729
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