Strategic Business Financing for Singapore SMEs & Startups

Bank rejection is not the end of your growth story—it's the beginning of a smarter financing strategy. Traditional banks assess your past; the modern lending ecosystem funds your future.

Ascendant Global Credit Group is your strategic capital introducer. We connect Singapore-based SMEs, startups, and business owners with a curated network of alternative lenders, venture debt funds, and government scheme specialists who evaluate your business based on cash flow, contracts, and growth potential—not just balance sheet history or physical collateral.ation, and strategic tax efficiency.

The Financing Gaps We Bridge

Your Challenge

If Your Bank Said "No" Because...
"Insufficient operating history" (Startups <2 years)
"Lack of collateral"
"Sector is too niche/high-risk"
"Need faster disbursement" (Weeks vs. months)
Our Solution

We Can Introduce You To Lenders Who Say "Yes" Based On...
Future revenue projections and founder strength
Invoice financing, purchase order financing, and cash flow
Specialist lenders with domain expertise
Fintech platforms with 48-72 hour approval

Our Core Business Financing Solutions

Working Capital & Cash Flow Solutions

Unlock cash trapped in your operations.
Invoice Financing: Get immediate cash (up to 90%) on your outstanding B2B invoices.
Supply Chain & Purchase Order Finance: Fund the fulfillment of confirmed customer orders.
Merchant Cash Advances: For businesses with strong card sales (retail, F&B).
Typical Amount: S$50,000 - S$2 Million
Speed: Approval in 48 hours - 1 week.

Check My Business's Funding Eligibility in 60 Seconds
Growth & Expansion Capital

Finance your next leap without diluting ownership.
Term Loans: For equipment purchase, market expansion, or hiring.
Venture Debt: For VC-backed startups needing runway to the next milestone.
M&A & Acquisition Financing: To buy out a competitor or strategic partner.
Typical Amount: S$250,000 - S$10 Million
Key Feature: Structures based on recurring revenue or EBITDA.
Government Grant & Scheme Advisory

Navigate Singapore's extensive support ecosystem.
Enterprise Financing Scheme (EFS) Guidance: We connect you with Participating Financial Institutions (PFIs) and help structure your application for Working Capital Loan, Trade Loan, and Venture Debt.
ESG-Linked Financing: Access preferential rates for green initiatives and sustainable projects.
Our Role: We demystify the process and introduce you to the right partners to maximize your success rate.
Specialized & Niche Financing

For unique business models and challenges.
Foreign-Owned SME Financing: Solutions for businesses owned by non-Singaporeans.
Healthcare, Tech & Deep Tech Lending: Sector-specific lenders who understand your metrics.
Bridge Loans & Refinancing: Short-term capital for strategic opportunities or to replace unsuitable existing debt.

The Ascendant Advantage for Business Owners

We are not brokers; we are strategic matchmakers. We save you the time and frustration of a scattered search by:

Pre-Qualifying Your Fit: We assess your business to match you with lenders whose criteria you meet.
Presenting a Curated Shortlist: You get 2-3 serious options, not 50 irrelevant leads.
Advising on Terms: We help you understand and negotiate term sheets, focusing on total cost of capital, not just the interest rate.
Simplifying Complexity: One point of contact for multiple financing avenues.