How to Finance the First 100 Days of Your New Company
Launching a new business is an exciting milestone, but it also comes with significant financial demands. From incorporation and branding to product development and marketing, the first 100 days are often the most financially intensive, especially for first-time entrepreneurs.
For those without deep capital reserves or investor backing, understanding how to strategically manage and fund these early costs can be the difference between success and early burnout. Here’s a step-by-step breakdown of the typical expenses involved, and how business owners in Singapore can consider financing each stage effectively.
Days 1–30: Business Registration & Brand Foundations
Key expenses:
- ACRA business registration fees
- Domain name and website hosting
- Branding assets (logo, colour scheme, brand voice)
- Legal incorporation services and accounting setup
- Basic equipment or initial inventory
Estimated cost: $2,000–$5,000
In the initial stage, business owners focus on formalising their company structure and creating a strong brand presence. This phase often includes administrative costs, legal compliance, and the development of basic marketing assets such as a website or social media channels.
Funding options:
Many business owners fund this phase through personal savings or capital injections from family and friends. However, new entrepreneurs exploring business loans for new companies may find early-stage financing useful for managing upfront costs without tapping into personal reserves.
Read more: When to Say Yes (or No) to a Business Loan as a New Founder
Days 31–60: Product Development & Operational Setup
Key expenses:
- Product design, prototyping, or stock sourcing
- Hiring freelancers or part-time staff
- Website development and e-commerce integration
- Rental of office, kitchen, or co-working space
Estimated cost: $5,000–$15,000
This period is focused on building the product or service offering and putting operational infrastructure in place. Depending on the industry, this could involve developing a tech platform, securing a physical space, or preparing for your first customer transactions.
Funding options:
At this stage, businesses may begin to require more substantial capital. Entrepreneurs can consider fast working capital loans to cover these critical setup costs and maintain flexibility without the delays associated with traditional financing.
Learn more: Is Your Business Actually Ready for a Working Capital Loan? 7 Red Flags to Watch For
Days 61–90: Go-To-Market Strategy & Customer Acquisition
Key expenses:
- Digital advertising (Google Ads, Facebook, TikTok)
- Influencer marketing or public relations
- Customer relationship management (CRM) tools
- Product packaging and fulfilment costs
Estimated cost: $3,000–$8,000
Once your offering is ready, the focus shifts to visibility. A successful launch requires a carefully planned marketing strategy to build awareness, attract customers, and generate early revenue. However, paid advertising and customer acquisition tools can be costly, especially in Singapore’s competitive market.
Funding options:
If immediate revenue is uncertain, financing through business loans for new companies can help sustain marketing efforts and generate initial traction, particularly for those aiming for fast market entry or seasonal launches.
Days 91–100: Cash Flow Management & Early Optimisation
Key expenses:
- Refinements based on customer feedback
- Cash buffer for operational continuity
- Emergency or contingency funds
- Investments in automation or workflow tools
Estimated cost: $2,000–$10,000
The final stretch of the first 100 days is about refining and stabilising the business. This may involve implementing feedback, optimising internal processes, and setting aside working capital to ensure consistent operations.
Funding options:
Many new businesses experience a cash flow gap before revenue becomes predictable. A fast working capital loan can act as a financial safety net, helping business owners avoid disruptions while building long-term sustainability.
Start Strong with the Right Financial Support
The first 100 days of a business often set the tone for long-term growth, and proper financial planning plays a critical role. By anticipating common startup costs and exploring the right funding options early on, new business owners can avoid unnecessary delays and make confident, strategic decisions from day one.
Whether you’re laying the groundwork, preparing to launch, or stabilising operations, having access to flexible financing ensures you can seize opportunities and navigate challenges as they arise.
How Tembusu Financial Services Can Help
At Tembusu Financial Services, we understand that no two businesses are alike. Our tailored solutions are designed to support entrepreneurs through every stage of their startup journey.
We offer:
- Business loans for new companies with flexible eligibility criteria
- Fast working capital loans to support urgent cash flow needs
- Transparent terms and a fully guided, hassle-free application process
If you’re wondering how to get a loan for your new business in Singapore, we’re here to help you start strong, and grow with confidence.
