From
18% p.a.Subject to credit assessment, financing structure and final approval.
Non-Secured Financing
Fast working capital without the need for collateral.
Non-secured business financing supports SMEs that need quick and flexible funding for cash flow, payroll, inventory, project mobilisation, equipment purchase or invoice-related working capital.
Who It FitsIndicative Rate Best For
For SMEs that need fast and flexible financing to seize opportunities.
Non-secured financing can support SMEs, trading companies, logistics operators, construction businesses, property agencies and manufacturing firms.
Cash flow and working capital
Use funding for payroll, supplier payment, stock, equipment or urgent operating needs.
Suitable Businesses
Non-secured financing helps different industries solve urgent working-capital gaps.
Use this route when the business needs operating cash flow without pledging collateral, subject to profile review and final approval.
Working capital
Daily operations, payroll and business expansion.
Inventory
Stock purchase and supplier payment needs.
Fleet expenses
Fuel, drivers, maintenance and invoice timing.
Project mobilisation
Materials, labour and progress claim pressure.
Commission timing
Agency operating costs and developer payment delays.
Production support
Equipment, raw material and operating cash flow.
Use Funding For
Use non-secured funding to keep the business moving without tying up assets.
These common operating uses help business owners understand where non-secured funding can fit.
Working Capital
Support day-to-day business movement, supplier payment and operating cash flow.
Payroll
Pay staff, drivers, negotiators or project teams on time.
Inventory
Purchase stock or raw materials before customer collections arrive.
Project Mobilisation
Start a new project with materials, labour, transport or site setup costs.
Equipment Purchase
Buy or upgrade tools, machinery, vehicles or operating equipment.
Invoice Financing
Bridge payment timing when invoices, progress claims, POD or commission records are pending payment.
Approval Preparation
A faster discussion still needs clear documents.
Non-secured financing can be practical and fast, but the case still depends on profile, documents and final assessment.
Business profile
Company type, operating history, industry and current cash-flow need.
Purpose and amount
Working capital, payroll, inventory, project mobilisation, equipment or invoice timing support.
Repayment direction
Expected sales, customer payment, invoice collection or business income that supports repayment.
Non-Secured FAQ
Questions before a non-secured financing review.
These answers explain approval, use-of-funds and no-collateral details before enquiry.
Is collateral required?
No collateral is generally required for this path, subject to assessment, terms and final approval.
What is the indicative rate?
Indicative rates may start from 18% p.a., but actual rate and terms depend on profile, structure and final approval.
Which businesses is this suitable for?
SMEs, trading, logistics, construction, property agencies and manufacturing businesses with active cash-flow needs.
What can the funds be used for?
Working capital, payroll, inventory, project mobilisation, equipment purchase and invoice-related cash flow.
No Collateral Path
Need working capital without pledging assets?
Submit the business type, purpose, amount and documents for review.