SMART-TOWKAY.COM
"Smart Towkay is Singapore’s leading SME finance comparison platform, empowering business owners to compare business loans, government grants, insurance, and credit cards — all in one place.
We provide up-to-date financial insights, exclusive SME promotions, and a transparent way to secure the best financing options without hidden fees or middlemen.
Compare SME loans from banks & digital lenders
Access grant advisory & application support
Explore insurance & card options tailored for businesses
Trusted by thousands of Singapore SMEs"
About This Business
Singapore 1st Business Loan Aggregator| Promotional Mortgage Loan - SMART-TOWKAY Pte. Ltd
Business Term Loan * * Business Term Loan
* * FAQ
Government Assisted Loan * * SME WCL -Working Capital Loan
* * Temporary Bridging Loan
* * FAQ
Alternative Funding * * Property Equity Term Loan
* * Peer to Peer Lending
* * Business to Business Lending
* * FAQ
Most Popular Commercial
* * OCBC SME WCL LOAN
* * DBS SME WCL LOAN
Commercial/ Industrial Loan * * New Purchase
* * Refinancing
* * Property Equity Term Loan
Residential Loan * * New Purchase
* * Refinancing
* * FAQ
Most Popular Commercial
* * Hong Leong Finance 3M SORA 2 Years Lock In Period
* * OCBC 3M SORA 2 Years Lock In Period
Most Popular Residential
Most Popular
* * FAQ
* * Real CBS Makeovers: 3 Case Studies of SME Owners Who Turned Bad Credit Around
Real CBS Makeovers: 3 Case Studies of SME Owners Who Turned Bad Credit Around
SINGAPORE #1 SME COMPARISON SITE FOR COMMERCIAL PRO|
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Business Bank Loan
Government Assisted Loan
Peer to Peer Loan
Home Loan
Commercial Property Loan
General Insurance
We Compare Singapore’s most reputable Financial Institutions & Lenders
Our Broad Range of Services
Save Money & Time Get the Best Deal Within 20 Secs 100% Independent
Temporary Business Term Loan
- Boost your Working Capital With Collateral-Free Loans
- Up to 5 years Repayment
- As Low As 1.29% Flat Interest Per Year
- Interest-Only Loan for 6-12 Months
- Get Response within 24 hrs
Apply Now
Property Loan
- Up to 120% Financing For Business Property
- Legal and Valuation Subsidy
- Zero Fees/Fuss Free/Easy Submission using our Mortgage Specialist
- Calculate Your Total Interest Savings When Refinancing
Apply Now
Corporate Bank Account
- Free Business Internet Banking
- $0 Min Balance Fee
- No Annual Fee
- Apply Online In 5 Mins
Apply Now
0 Businesses Served
SMEs have used our comparison tools for their business banking and government grant needs
$0 Business Loan Approved
Simplified comparison and easily understandable guidelines have allowed SMEs to make well informed decisions when applying for business banking products
$0 Mortgage Refinancing Savings
We have helped SMEs and Individuals to save million of dollars when they refinanced their businesses or individual mortgages
$0 Mortgage Loan Approved
Through our services, you will definitely buy or refinance your property at the best interest rates
Why use SMART-TOWKAY.COM?
We are #1 in Singapore
The #1 Business(SMEs) Focused Comparison Site in Singapore*
Transparent*
Wide Network Of Lenders
Wide variety of funding and lenders*
Personalised guidance and expertise
Multiple ways to access funding
We are Fast & Hassle-Free
Skip The Queue*
Hassle-free Application
Ease of Application
More Flexible and Simpler
We offer tailor-made financing solutions, taking into account the specific features of the Client's activities*
We need just a few documents (financial reports and bank statements) to make a decision*
Latest SIBOR And SORA Rates
UPDATED AS OF 21 Jan 2026
Click above for historical trend
| | SIBOR | COMPOUNDED SORA |
| --- | --- | --- |
| 1-month | 4.025 | 3.7698 |
| 3-month | 4.05644 | 3.7479 |
| 6-month | NA | 3.7308 |
| 12-month | NA | NA |
Get Business Money Saving Tips Every Week
Latest News
Real CBS Makeovers: 3 Case Studies of SME Owners Who Turned Bad Credit Around
2025-11-13 06:25:07
Bad credit doesn’t have to end your business journey. Discover how three Singapore SME owners turned poor CBS credit grades — from HX, HH, and HZ...
Continue Reading...
Ask SmartLend: Why Did My SME Loan Get Rejected?
2025-11-03 06:37:49
Rejected for an SME loan? You’re not alone. SmartLend breaks down the top reasons behind loan rejections — from unstable cash flow to low credit...
Continue Reading...
Introducing SmartLend Concierge: A Helping Hand for SME Loans
2025-10-24 06:49:40
At SmartLend, we’ve always believed in empowering SMEs to access financing without unnecessary broker fees. Our new SmartLend Concierge Service...
Continue Reading...
View All News
Business Loan Eligibility
We'll Help you run the numbers
Check your business loan eligibility using our proprietory A.I algorithm through Smart-Towkay.Com.
We'll let you know what the Lenders do not what you to know!
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