Capitall

A working capital loan is a loan used by a company to finance its everyday operations, such as payrolls, rent, and inventory

Working capital loans are usually taken when a company requires cash/asset liquidity to cover day-to-day operational expenses so that they can put more money into expansion

They are commonly used by companies that have high seasonality or cyclical sales, such as retailers, to tide them through periods of reduced business activities

One of the benefits of a working capital loan is that it does not require an equity transaction Therefore, a business owner still maintains full control of their company It’s also a good way for business owners to cover any gaps in working capital expenditures

Benefits of this loan:

• Cover short-term business expenses
• Suitable for businesses with high seasonality/cyclical sales A bridging loan is a short-term loan to help you meet current obligations by providing immediate cash flow, while expecting fresh fund coming within a short time frame

Bridging loans can be used to purchase property, fund restoration works, and even to secure business opportunity

For example, bridging loan could be used to prepay F&B event premises, that in turn drive revenue for the business

• Ability to cover urgent business expenses Expansion financing comes in handy when your business sees an opportunity to grow and expand It can be used for internal growth by launching new products or the acquisition of smaller companies

It is also useful for taking advantage of opportunities that may lead to compounded growth, despite not having the available funds at the moment

Companies typically use expansion financing to fund growth projects while still retaining enough capital to handle daily company operations

• Shift to a larger retail space
• More staff can be hired
• Financial ability to create new products

a) Car Flooring Loan

An auto financing plan allows you to use revolving credit facility to finance an existing stock of new/used vehicles This allows you to free up cashflow by not tying up large amounts of assets in showroom stock

For instance, a dealer may want to purchase 100 models of a new car, but needs additional capital to do so Through auto financing, he can draw down the credit facility to finance the cars, and proceed with repayment as they are sold off

• Increase your stock of vehicles Buying a car in Singapore can be difficult without proper financing

In-house auto loans offered by Capitall help car buyers finance a car easily, regardless of your credit status Even if your loan applications have been rejected from a bank or financial institutions, getting a car of your dreams is now easier, faster and more affordable with Capitall

• Increase stock of vehicles for business operation
• Immediate access to vehicle for personal use Payroll loans are short-term loans that help to cover your staffing fees They can help you to divert your capital into other ventures, such as growing your business

A payroll loan can also be a good way to tide your company through jumps in employee salaries, examples of which include year-end or loyalty bonuses

They can be used to subsidise immediate financial needs, such as when you’ve contracted extra workers for a big event

• Covers urgent payroll expenses