Banks tell you no. They rarely tell you which facility would have said yes. Answer six questions and we'll draw the plan — the facilities you actually qualify for, and what they're likely to approve.
Rates, tenures and the exact lenders behind each facility — plus a free CBS & BTI read so you know where you stand before you apply.
One consultant, one call, next working day. No obligation, and applying through Trusta does not create additional CBS enquiries on your file.
Your copy of the 2026 Funding Blueprint is below. A Trusta consultant will also reach out by the next working day to walk you through the options — and tell you plainly which ones aren't worth your time.
Download the blueprint (PDF) Or message us now on WhatsAppA bank offers you the products a bank has. Trusta places you across the whole market — including the lenders that don't need a clean bank statement to say yes.
The Enterprise Financing Scheme, 50% co-risked by Enterprise Singapore across six participating banks. The best rate on the board — if your statements can carry it.
Needs healthy balances ($8K–$10K min) and revenue of $150K–$700K.
Rejected for missing the 3-year incorporation mark or the $700K turnover bar? Five partner banks lend on far easier criteria — and no financial statements are required.
Built for founders in year one and two.
Six institutions that lend without reading your operating account. They don't eat into your $500K working capital limit, and they don't show up as commitments on your statement.
Needs min. $30K NOA and a BTI pass. CBS grade requirements vary by option.
Looser criteria than a bank and much faster to disburse. Often used to rebuild cashflow first, then re-approach the banks from a stronger position.
Pte. Ltd. and sole proprietorships.
Private lenders and family offices. Costlier than a bank, but the money can land in days. We hold 20+ lenders with different risk appetites, so the file goes to the one that fits.
No company-type restrictions.
Stop waiting 90 days to be paid. Draw up to 80% of an invoice upfront and collect the balance on due date. Ideal when you're billing large corporates or government.
Best for project work with recurring billing cycles.
For the renovation, the wedding, the consolidation, or the gap month that shouldn't cost you 20% on a credit line. Structured against your income, not your company.
Salaried employees, self-employed and commission earners.
You may be sitting on the cheapest capital you'll ever access. Release the equity in a fully or partially paid property and put it to work at a term-loan rate.
Owners with meaningful equity in a Singapore property.
Nine times out of ten, the file was sound and the lender was wrong. Here's what we hear most — and what usually turns it around.
Scattergun applications stack enquiries on your CBS file and make each new one harder. We read the file first, then send it to the two or three lenders whose criteria it actually meets.
Six institutions we work with don't require an operating statement at all. Their facilities also don't consume your $500K working capital limit or register as a commitment.
Start-up facilities run from zero months incorporation with no financial statements. What you can't show in history, you can often show in revenue, invoices, or assets.
Six questions above. You see your indicative range before you speak to anyone.
A consultant reviews your CBS grade, BTI and NOA, and tells you which lenders will realistically bite.
One set of documents, routed to the right lenders — instead of six rejections on your credit record.
You compare the live offers side by side and take the one that fits. Nothing is signed for you.
We sit between you and the lenders. We know each lender's live criteria and risk appetite, so instead of guessing which bank will approve you, we place your file where it has the best chance — and negotiate the rate on your behalf.
Every direct application you make creates an enquiry on your CBS file, and a cluster of enquiries makes each subsequent lender more nervous. Going through Trusta means the file is assessed once, then submitted only where it fits.
Your consultant will lay out any fees in full before anything is submitted, alongside the lender's rate, tenure and total repayment. Nothing proceeds without your written go-ahead.
It depends entirely on the facility. Private and B2B lending can disburse within days. Government-assisted bank facilities take longer because the underwriting is deeper — and that's precisely why they're cheaper.
Ask them how many lenders they were empanelled with. If the answer was one or two, the outcome was decided before your file was read. Trusta holds 20+ lending relationships across banks, licensed institutions, P2P platforms and private funds.
Sometimes the honest answer is no, or not yet, or not this much. A consultant who won't say that to you isn't advising you — they're selling to you. Debt is a tool: it should be sized to a plan, and the repayment should survive a bad quarter.
Find out what you qualify for before you let another bank decide it for you. Draw your blueprint above, or message a consultant now.