Mortgage-backed Working Capital Loan

We specialize in Mortgage-Backed Working Capital Loans in Singapore. These encompass various financing options such as working capital loans, bridge financing, purchase financing, and term loans, all secured against commercial or residential properties.

Our process is not just quick and easy but tailored to your needs. Our Mortgage-Backed Working Capital Loans can be funded swiftly, as fast as within 5 working days for unencumbered properties. Plus, we offer loan financing even to company owners with low credit scores, insufficient income history, recent short sales, foreclosures, or bankruptcy history, ensuring you get the support you need when you need it.

If you're a business owner in Singapore with commercial or residential properties, you're eligible for our Mortgage-Backed Working Capital Loans. These loans are designed to help you leverage the value of your properties, providing essential cash flow for your business endeavors.

Absolutely! At Tembusu Financial Service, we prioritize the value of your property over traditional credit scores. A less-than-ideal credit history shouldn't stand in the way of securing a Mortgage-Backed Working Capital Loan from us.

We do not adhere to TDSR and LTV limits, offering more flexibility and higher potential loan amounts based on the property value. The most important factor for us is the LTV ratio based on the property to be mortgaged.

The LTV ratio compares your mortgage amount with the property's appraised value. Typically, lenders in Singapore extend 80% of the property's purchase price or valuation. For example, if your property is appraised at $1 million, you can potentially access up to $800,000.

The maximum loan amount depends on your property's value and your business's financial health. Typically, we offer up to 85% of your property's market value with our Mortgage-Backed Working Capital Loans.

To apply for a mortgage loan, required documentation includes details on your pledged property, company financial statements, NRIC or passport copies, credit bureau reports, and any other relevant documents providing insight into your financial situation.

We accept various property types, including private residential condos, landed properties, industrial, retail, and office buildings. However, we do not accept HDB and JTC properties as collateral.

We can handle transactions for borrowers facing legal action from creditors if there is enough equity buffer in your property to pay off the creditors, enabling us to secure a clean first mortgage. We can then help to negotiate a settlement with your creditors.

Loans can be approved within 1 day, depending on documentation and loan complexity. Disbursement typically occurs within 2 to 4 weeks, though we prioritize meeting your urgent needs whenever possible.

We do not hide any of our charges. We will communicate all fees and charges upfront and properly documented in the loan agreements. The fees to be paid on top of the interest on the repayment are generally processing fee, property valuation fee and legal fee.

By missing a payment, you will incur late fees, and repeated defaults could lead to legal action, including foreclosure. We're here to help you stay on track with manageable repayment plans.

Yes, early repayment is usually allowed but may incur an early repayment fee, which will be specified in the loan agreement.

The loan amount for a mortgage loan in Singapore is primarily based on the Loan-To-Value (LTV) ratio, which is a percentage of your property's current market value. The maximum loan amount also considers your business's financial health and repayment capability.

Our mortgage-backed working capital loans do not adhere to TDSR and LTV limits, offering more flexibility and higher potential loan amounts based on the value of your collateral.