Types of SME Loans
01
Business Term Loan
A business term loan provides a lump sum of funds upfront, which is repaid over a fixed period — typically between 3 months and 5 years — through regular monthly instalments.
02
Invoice Financing
Invoice Financing (or Factoring) is a cash flow solution that enables SMEs to unlock working capital by selling their outstanding invoices to financial institutions in exchange for early payment, helping businesses improve cash flow without waiting for customers to settle their invoices.
03
Revenue Based Financing
Revenue-Based Financing is a flexible loan where repayments adjust according to your monthly revenue — you pay less during slow months and more when sales increase.
04
Property-Backed Loan
Property Loans allow businesses to unlock the value of their residential or commercial properties, providing extra capital that can be used for operations, expansion, or new investments.
05
Line of Credit
A line of credit lets you withdraw funds as needed, avoiding interest on unused amounts. Unlike a business loan, which provides the full sum upfront with fixed repayments.
What is SME loan?
An SME Loan is a financing solution tailored for small and medium-sized enterprises (SMEs) to support their business growth and operations. It can be used to manage cash flow, expand the business, or invest in new ventures. These loans come in different forms, including term loans, invoice financing, and working capital loans.
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