A personal loan is for the bills life hands you without asking: the medical deposit, the rent gap, the school fees, the family emergency that cannot be explained to a bank officer in a form. EZ Pte Ltd has lent from the same trade in Chinatown since 2004, licensed by the Ministry of Law. Check our name on their public registry first. Then come in, ask whatever you like, and borrow only when you are ready.
It is financing for business needs, cash flow, stock, equipment, a bridge between invoices, assessed by people rather than a bank’s automated scorecard. Banks are the cheaper option when they say yes, and if you qualify for one, take it. We are the legal option when the bank’s timeline or checklist does not fit a small business’s reality.
The renovation contractor who must buy materials before the client’s first payment lands. The hawker stall expanding to a second location where the deposit is due before the crowd arrives. The freight subcontractor whose corporate client pays net-60 while drivers get paid weekly. If your business is real and your receivables are real, the conversation is worth having.
Interest is capped at 4% a month under Ministry of Law regulations, with one admin fee of up to 10% deducted upfront, and total interest and fees can never exceed the amount borrowed. Bring your ACRA business profile, recent bank statements, and whatever shows the money coming in: invoices, contracts, statements. We assess the business as it actually runs, and we tell you honestly, in English or Chinese, whether the numbers work, including when the honest answer is that they do not yet.
Tell us the amount, the purpose, and when the incoming money lands.
A conversation about the business, not an interrogation. We tell you quickly whether it is workable.
Signed in person, as the law requires, with every term explained in English or Chinese.
Full amount, minus only the one admin fee the law allows.
Yes, it is possible, though a young business is assessed more carefully. Real revenue and clear incoming payments matter more than years registered.
Yes. Sole proprietors, partnerships and Pte Ltds. Bring your ACRA profile and bank statements.
For small business lending, the owner typically stands behind the loan. We explain exactly what you are signing before you sign it.
Straightforward cases with documents ready can be approved and paid the same visit. Business assessments often take a little longer than personal ones, and we tell you the honest timeline upfront.
If a bank will approve you in the time you have, take the bank. If the answer is no or too slow, we are the legal alternative, and we will say so in exactly those words when we see your numbers.
someone who delivers. That is what the bridge is for. Come in, bring the numbers, and decide in your own time.
