Made for Small Business
Simple, affordable small business loans to grow your company
Get StartedTap into Government-Assisted Schemes with Multiply Capital
As part of IFS Capital Group, Multiply is a participant in the government's SME financing programs.
Get up to $1 million in unsecured funding, at competitive pricing.
The Multiply Experience

Simple
Obtain Invoice Factoring and Working Capital in a single account.

Affordable
Flat rates as low as 0.7%.
Only pay for what you use.

Flexible
SME funding starts from S$500 up to $500,000.

Modern
Paperless Application.
100% Digital.
Fund your business and boost cash flow
Products Offered
We offer full suites of financing options, ranging from working capital loan to invoice factoring. With decades of lending experience, we offer the most competitive interest rate tailored to your specific funding needs.

Unsecured Micro Loan

Collateral-free funding

The most competitive rate starting as low as 0.7% per month

Suitable for all business entities

Invoice Financing

Up to 90% of the invoice value

Flat fee as low as 0.7% of invoice amount

Up to 90 day terms
Amount: Fund invoice as small as S$500
Tenor: Depending on Invoices

Asset-Based Loan

Residential, Commercial or Industrial Property

Easy online application and approval

Customizable repayment options
Read about Multiply's SME financing story in the press
Customer Stories

Meraqi Renovations & Bodega Trading
"Working with Multiply has been very fulfilling in terms of the assistance that was given and the smooth procedure that allows our company to focus on other aspects of our business. Worry free! Multiply will definitely be our long term partner.''

Wira Budaya
''Being a small firm looking for capital, most lenders would hesitate if you’re a start-up. Their requirements are sometimes are hard to achieve. At Multiply, they understand the needs of an SME and it caters well for start-ups such as my company. We have gone to many other lenders and ,by far, Multiply is our company's preferred choice.''