Growth facility
Sized on your revenue
For companies trading 6 months to 2 years, with strong recent sales.
- Designed for companies with a short trading history
- Fixed repayment schedule
Business financing for Singapore SMEs
Steady revenue?
Let's fund your next step.
For owner-run Singapore companies and LLPs with steady monthly sales. Get working capital or growth funding sized to your revenue. We aim to provide indicative terms within 3 to 5 working days of receiving your documents.
For businesses only. Subject to assessment.
Built for businesses like yours
If your company sells every month and you need capital to grow or to smooth your cash flow, we want to hear from you. The sector matters less than steady revenue.
- F&B
- Retail
- E-commerce
- Education and enrichment
- Childcare
- Fitness and studios
- Professional services
- And more
SGD 2.3M+in financing arranged by DAY Capital to date. Our track record so far is in education and enrichment, and we consider businesses in any sector with steady monthly revenue, subject to eligibility and assessment.
Three ways to fund growth
Each facility is sized on your revenue and repaid over 6 to 12 months on a fixed schedule agreed before drawdown. Pricing depends on revenue, term and risk, and is set out in full before you sign.
Expansion facility
Sized on your revenue
For owners opening another location who need capital for deposits and fit-out.
- Your operating company is the borrower
- Drawn ahead of site opening
Working capital bridge
Sized on your revenue
For established businesses bridging payroll, stock and seasonal cycles without giving up equity.
- No fixed collateral required
- Repaid over 6 to 12 months
Check your fit in a minute
Six quick questions. You'll see which facility may be suitable, whether you appear to meet our usual criteria, and what documents to prepare.
Question 1 of 6
How it works
Share your numbers
Your latest accounts, six months of bank statements (or platform payout reports for online sellers) and your ACRA Bizfile.
We verify your revenue
We look at your real records and size a facility to your monthly revenue.
Get indicative terms
We aim to send indicative terms covering amount, term and pricing within 3 to 5 working days of receiving the required documents, subject to completeness and any further information needed. Repayment is fixed and agreed before you draw.
Key terms
For businesses only. Subject to assessment.- Sized on
- Your monthly revenue, verified from your records
- Repayment
- Fixed schedule, agreed before drawdown
- Term
- 6 to 12 months
- Collateral
- No fixed collateral
- Trading
- At least 6 months
- Indicative terms
- We aim for 3 to 5 working days after complete documents
Our facilities use a fixed repayment schedule agreed before drawdown. Repayment terms differ from arrangements where repayments vary with revenue. Before you sign, we set out the repayment schedule, total financing cost and total amount repayable in the facility documentation.
Common questions
How does revenue-backed financing work?
Your facility is sized on your company's verified revenue rather than on property or years of filed accounts. Unlike arrangements where repayments vary with revenue, repayments are fixed and agreed before you draw, so you know what you owe from the start.
Who do you finance?
We provide financing to eligible Singapore-registered companies (Pte Ltd) and limited liability partnerships (LLPs) only, with steady monthly revenue and at least 6 months of trading. We do not finance individuals, sole proprietors or ordinary partnerships. All facilities are subject to eligibility checks, assessment and documentation. Our track record to date is in education and enrichment.
How much can we raise?
Facilities are sized on your monthly revenue, up to SGD 500,000. Larger facilities can be discussed.
What documents do you need?
Your latest financial statements or management accounts, six months of bank statements (or platform payout reports for online sellers), your ACRA Bizfile, and details of any existing loans.
How long does a review take?
We aim to send indicative terms, covering amount, term and pricing, within 3 to 5 working days of receiving the required documents, subject to completeness and any further information needed.
How is pricing set?
Pricing depends on your revenue, the term and risk. Every cost is set out in full in the facility documentation before you sign.
Do you need collateral?
No fixed collateral is required. We lend against verified revenue.
Beyond financing
We also keep SME books, so we read your numbers the way an operator does.
Bookkeeping
Monthly bookkeeping and bank reconciliation in Xero, with GST and payroll.
See accountingFinancial reporting
Monthly management accounts and annual financial statements.
See accountingTell us what you're building
Send us a few details or message us on WhatsApp.