Property-Backed Secured Financing
Turn your residential or commercial property into business possibilities by unlocking growth with secured working capital loans up to S$2M.
Now serving SMEs in Singapore.
In partnership with FS Capital1.
Loan up to S$2M.
Access the capital to accelerate your growth.
Maximize your property's potential
Unlock up to 80% of your residential property or up to 70% of your industrial property.
Competitive interest rates
Fuel your next big move with highly competitive financing rates.
Ease your cash flow with monthly interest repayment.
Principal repayment is only due at the end of the loan tenure.
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Got questions?
We got answers.
What is Property-Backed Secured Financing?
Property-backed secured financing, also known as property-backed secured loans, is a secured loan product that allows SMEs to use their properties as collateral. With property-backed secured financing you can get a working capital loan of up to $2 million SGD.
In partnership with FS Capital.
What documents are required for my Property-Backed Secured Financing application?
- Most recent audited financial statements and/or management accounts, if available
- Latest 6 months bank statements
- Director(s) and shareholder(s) NRIC or passport, 1 year NOA and CBS report
Additional documents may be required. This is determined on a case by case basis. Our team will reach out to you once your application is received.
Am I eligible for Property-Backed Secured Financing?
This product is currently available to a select group of Grab, Singtel and GXS Capital customers and partners.
To be eligible, your business will need to fulfil the following criteria:
- Singapore registered Pte Ltd or LLP business. Not open to sole proprietors or partnerships.
- Minimum 30% shareholding by a Singapore Citizen or Permament Resident
- 6 months minimum operating history
¹The property-backed secured financing is provided by GXS Bank Pte. Ltd. (UEN 202005626H) as the lender and FS Capital Pte. Ltd. (UEN 201631787R) as the facility agent. GXS Bank holds a banking licence and is regulated by the Monetary Authority of Singapore. FS Capital is an exempt moneylender under the Moneylenders Act 2008 of Singapore. GXS Bank and FS Capital are separate entities and are not associated with the businesses of Grab, Singtel, or their entities.
Approval of your application is subject to receipt of all supporting documents and further review. GXS Bank reserves the right to approve or reject your application without providing any reasons. Late interest charges may apply in the event of late repayment. Your loan is subject to review from time to time, and may be cancelled by GXS Bank at its discretion. Terms and Conditions apply.
