Calculate Your Financing Cost

Simple business loan calculator helping you to determine the monthly payments of our unsecured loan and invoice factoring products.

Term Loan Calculator

Estimate the interest cost of term loan

Come apply for a loan!

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Invoice Factoring Fee Calculator

Estimate the cost of invoice factoring

Apply now to get financed today!

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About Multiply Capital

Multiply is a product of IFS Capital Limited, a regional financial institution listed on the Singapore Exchange since 1987. We provide small-ticket unsecured loans designed specifically for F&B operations. Our fee is flat, transparent and affordable.

Read about Multiply's SME financing story in the press

Let’s grow your business, together

Call us at +65 8775 0069

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Who will qualify for an Unsecured Micro Loan?


Any Singapore-incorporated companies who have been in business for at least 6 months. Unlike Secured Business Loans, for an Unsecured Business Loan lenders don't require any assets (e.g., equipment or property) as security for the funds.

How are Multiply term loans calculated?


Multiply business term loan EMIs are calculated by a very easy formula.
E = (P + P x r) / n
Here, E = EMI amount. P = Principal or the loan amount. r = Term loan interest rate. n = Loan term or tenor (in months)

How do I make my repayment?


Our repayment methods are bank transfer and GIRO, for weekly or monthly repayment.

Still have questions? Check the FAQ or email us at