SME / CORPORATE FINANCING
Commercial Property Loan
Own the commercial property your business operates from, with loan financing structured around how your company actually runs. SingFinance is a MAS-licensed finance company that has backed Singapore businesses since 1964.
What is a Commercial Property Loan?
A commercial property loan finances the purchase of property your business uses or invests in, from office units and retail shops to factories and warehouses. It suits SMEs moving from renting to owning their premises, as well as business owners adding commercial real estate to their portfolio. At SingFinance, financing can cover up to 80% of the purchase price or property valuation, and the loan can often work alongside other facilities such as working capital or equipment financing when your wider borrowing position supports it.
Fuel Your Growth With a Tailored Commercial Property Loan
The SingFinance Commercial Property Loan gives both business owner-occupiers and property investors a flexible way to finance commercial space in Singapore.
Our Features
Financing up to 80% of purchase price or property valuation (whichever is lower).
Loan tenure of up to 25 years with flexible repayment terms.
Term loan, revolving or non-revolving financing structure depending on your needs (for SME/Corporate borrowers only).
Competitive and attractive pricing that works best for your business.
Property Types we Finance
SingFinance provides commercial real estate financing across the main categories of commercial and industrial property in Singapore. A business real estate loan from SingFinance can fund a single unit or an addition to a property portfolio.
- Office Units: Strata-titled offices in commercial and mixed-use buildings, suitable for companies buying their operational headquarters or holding the unit as an investment.
- Retail Shops and Shophouses: Units in retail developments and conservation shophouses, suited to owner-occupiers running a storefront and to investors holding tenanted space.
- Factories and Industrial Units: Light industrial, manufacturing and warehouse space. A factory loan or broader factory financing helps SMEs buy the premises they produce and store stock in, rather than renting indefinitely.
- Working Capital: Besides purchasing property, SingFinance can release funds against your commercial property for working capital, giving your business cash to support day-to-day operations or fund its next stage of growth.
Loan Types and Repayment Structure
SingFinance offers multiple types of commercial mortgage loans so you can pick the best one that suits your business and cash flow needs.
| Loan Type | How It Works | Best Suited For |
| Term loan | Approved amount disbursed upfront, repaid in regular installments over the agreed tenure. | Businesses with steady revenue that want a predictable repayment schedule. |
| Revolving credit facility | Draw down, repay and redraw up to your approved limit. | Businesses using property equity as an ongoing working-capital resource, drawing when cash flow requires and repaying when receivables come in. |
| Non-revolving facility | Disbursed once, and once repaid the facility closes. | A defined, one-time funding need without an ongoing line. |
Besides the loan type, we also offer different ways to repay your business real estate loan.
| Repayment Structure | How It Works | Best Suited For |
| Installment payment | Covers both the principal and the interest, so repayments are higher because they include the principal portion. | Suited to businesses with stable cash flow that want to build equity in their property and reduce debt over time. |
| Interest-only period | Covers only the interest charged on the loan, so the principal stays unchanged during the period. | Suited to businesses seeking greater short-term cash flow flexibility, such as those investing in growth or managing early-stage expenses. |
To help you choose how your business mortgage loan is structured, a relationship manager will be assigned to understand your business and talk you through your options before you commit.
Loan Rate Packages
Enjoy an attractive floating rate package on your commercial property loan with us.
Eligibility
In order to be eligible for a SingFinance commercial property loan, you must be able to produce the following documents:
- Past 2 years audited accounts/latest management accounts.
- Past 6 months bank statements.
- Option to Purchase / Sales and Purchase Agreement.
- Certified true copies of NRIC of director(s) and guarantor(s).
- Income assessment of director(s) and guarantor(s).
- Tenancy Agreement (where applicable).
Already Have an Existing Loan?
If you are already financing a commercial property elsewhere, refinancing to SingFinance can free up cash or improve your terms. Explore the options available to you.
Refinance
If you hold a commercial property loan with another lender, you may choose to refinance it with SingFinance. Common reasons to consider refinancing include:
- Improving your monthly payments and securing more favourable loan terms.
- Using your property’s equity to bundle financing solutions that grow your business.
- Evaluating your current terms against refinanced options to uncover real savings.
Reprice
If your existing SingFinance commercial property loan is nearing the end of its lock-in period, you may reprice to a new SingFinance package and enjoy these benefits:
- Bigger monthly savings on your installments.
- Reprice without dealing with additional paperwork or legal fees.
- Explore options to bundle your commercial mortgage loan with other facilities that align with your business needs.
How to Apply
To apply for a commercial property loan in Singapore, reach us on our customer service hotline at 6438 7060, by email at enquiries@singfinance.com.sg, or via the form on our Contact Us page. Please prepare the following documents for a smooth application:
Once we have your documents, a relationship manager reviews your case and proposes an appropriate structure and indicative terms.
Why Choose SingFinance Commercial Property Financing?
Looking for a commercial real estate loan or financing solution in Singapore? Whether you are purchasing a new factory, retail space, warehouse or anything else, here are the reasons to go with SingFinance.
Other Loan Products
Frequently Asked Questions About
Commercial Property Loan
For more questions on SingFinance products, see our FAQs page.