Frequently asked
questions

We don't lend money ourselves. We diagnose your situation, match you with the right lender from our network of banks, finance companies, fintech lenders, family offices, and funds, then manage the application process and negotiate terms on your behalf. We also offer capital advisory for companies that need help with their overall debt structure.

For financing introductions, no. We only earn when you do. Our success fee is typically in the region of 2-3% of the facility amount, depending on facility type and complexity. It is agreed with you in writing before you proceed and is payable after successful disbursement. For advisory work like debt restructuring, capital stack review, or strategy, we charge a small upfront engagement fee agreed in writing before work begins.

You can. We have established relationships with major banks in Singapore and a broad network of non-bank lenders, and we help you question the borrowing decision before comparing the options available through that network. We explore banks first where viable. Our coverage is not the whole market, and approval and timing always remain with each lender.

We diagnose before we introduce anything. Within the scope we agree, we read term sheets line by line and raise commercial questions. We tell you when we think a loan will hurt you, even if it means we lose the deal. We keep WhatsApp close because we know what it feels like when the pressure is real and nobody is picking up. Most people in this space are transactional. We're building long-term relationships. That's why clients come back.

Depends on the product and lender. As indicative examples only: non-bank working capital can be a matter of days, bank loans typically a few weeks, larger venture debt facilities up to a few months. Any estimate we give is indicative. We cannot promise approval or disbursement by a particular date, but we will discuss your deadline and explain the next steps.

We only take cases forward when we believe there is a realistic financing path. If we don't think we can help, we tell you upfront rather than wasting your time.

Working capital, invoice financing, revenue-based financing, property-backed loans (equity release, bridging, development), equipment purchase, car refinancing, venture debt, acquisition finance, and trade finance. We work across both bank and non-bank channels.

Sometimes the issue isn't one loan. It's the whole capital structure. Too much short-term debt, covenants from one lender blocking access to another, a structure that worked at S$2M revenue but is choking you at S$10M. We help companies see and fix the full picture. This includes debt restructuring, refinancing strategy, covenant management, and lender negotiation.

We can help you think through equity, convertibles, and structured transactions, and limit our role to introductions; any regulated work is carried out by a provider holding the licence or exemption required for it, not by us. If you're thinking about options beyond debt, talk to us.

S$100K and above. Most deals we do are S$500K and above, but we take on smaller deals too. Feel free to contact us regardless.

No. We only work with businesses. For personal financing, approach your bank or a properly licensed lender directly.

If you own property, you can borrow against the equity. A lender values the property, lends you a percentage (LTV), and takes a charge over the property as security. Rates are typically much lower than unsecured lending because the lender has real collateral.

Shophouses, commercial property (offices, retail, industrial), residential property, and land. Each type has different lender appetite and LTV ranges.

Total Debt Servicing Ratio is a regulatory framework that can cap total monthly debt obligations at 55% of gross monthly income for certain property loans from financial institutions. Whether TDSR applies depends on the borrower, lender, property type and facility structure. Some alternative or private-credit structures use different underwriting, but every lender will still assess repayment ability and collateral risk.

Yes. If you cannot make the repayments, the lender has the legal right to seize and sell the property. This is a real risk. We explain the implications before you proceed.

Singapore, Malaysia, Hong Kong, US, UK, Vietnam, Thailand, and Indonesia.

Yes. Many of our clients have foreign directors and shareholders. Services depend on local rules, the scope of work and lender availability, and not every option exists in every market. Tell us where your business operates and what decision you're facing.

For most Singapore-based business facilities, lenders prefer a Singapore-incorporated company. Options for sole proprietorships are more limited and assessed case by case. For facilities in other markets, the requirements vary. Reach out and we can walk you through the requirements for your specific situation.

No. QuickFund does not lend money. We connect companies with banks, finance companies and other lenders that are licensed, exempt or otherwise permitted to lend. Whether a lender requires licensing or exemption depends on the lender and the specific lending activity.

QuickFund is a registered Singapore company. We are not a licensed financial adviser and do not provide regulated financial, legal, tax or investment advice. For securities, equity, convertible, fund-raising or capital-markets transactions, we limit our role to introductions; any regulated work is carried out by a provider holding the licence or exemption required for it, not by us.

Borrowing can put business assets, personal assets or ownership interests at risk. The documents and applicable law determine the exposure. A short website answer cannot establish what you could lose or owe. Ask your own lawyer to review the documents, and bring us your commercial concerns.

A personal guarantee means a director or shareholder personally guarantees the company's loan. If the company can't pay, the guarantor becomes personally liable. This is common for SME working-capital facilities in Singapore. We explain the implications before you sign. The documents and applicable law determine your actual exposure. A short website answer cannot establish what you could lose or owe, so have your own lawyer review the documents before signing.

A share charge gives the lender security over the shares of the borrowing company. If you default, the lender can take control of the company's shares. If the company holds property or other assets, this effectively gives the lender indirect control of those assets. The documents and applicable law determine your actual exposure. A short website answer cannot establish what you could lose or owe, so have your own lawyer review the documents before signing.

Our Loan Check-Up asks 10 questions about your business and helps you organise your borrowing decision and highlights points to discuss with us. It does not assess eligibility or predict approval. The Term Sheet Scanner is an AI starting point for questions about an offer: it may flag issues in the text you provide, it can miss important terms, and no flags does not mean no risks. The Rate Check is an indicative comparison to help frame a conversation. It is not a quote, a full market comparison or a finding that you are overpaying. Bring the result and your offer to us.

The tools provide general guidance based on the information you provide. They are not financial advice and may contain errors or omissions. Think of them as a starting point for a conversation, not a final answer. For specific options and rates, speak to our team directly.