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The system of business loans in Singapore is a unique one with a unique set of characteristics.
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The Reality: Business Loans Are Hard To Get
- The paperwork imposed requires a lot of submissions.
- The process itself takes about one week to 1 month.
- The SMEs need to provide proof that they have made a profit in many instances before their loans get approved.
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- Spring Micro Loans;
- Spring Working Capital Loans;
- Personal Loans; and
- Collateral Loans.
What lesson could businesses learn from the stricter loan applications?