SINGAPORE #1 SME COMPARISON SITE FOR

We Compare Singapore’s most reputable Financial Institutions & Lenders

Our Broad Range of Services

Save Money & Time Get the Best Deal Within 20 Secs 100% Independent

Get Mortgage Loan

Temporary Business Term Loan

  • Boost your Working Capital With Collateral-Free Loans
  • Up to 5 years Repayment
  • As Low As 1.29% Flat Interest Per Year
  • Interest-Only Loan for 6-12 Months
  • Get Response within 24 hrs
Get Loan for Business

Property Loan

  • Up to 120% Financing For Business Property
  • Legal and Valuation Subsidy
  • Zero Fees/Fuss Free/Easy Submission using our Mortgage Specialist
  • Calculate Your Total Interest Savings When Refinancing
Loan Company

Corporate Bank Account

  • Free Business Internet Banking
  • $0 Min Balance Fee
  • No Annual Fee
  • Apply Online In 5 Mins

Our Milestones

0 Businesses Served

SMEs have used our comparison tools for their business banking and government grant needs

$0 Business Loan Approved

Simplified comparison and easily understandable guidelines have allowed SMEs to make well informed decisions when applying for business banking products

$0 Mortgage Refinancing Savings

We have helped SMEs and Individuals to save million of dollars when they refinanced their businesses or individual mortgages

$0 Mortgage Loan Approved

Through our services, you will definitely buy or refinance your property at the best interest rates

Why use SMART-TOWKAY.COM?

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We are #1 in Singapore

 

*The #1 Business(SMEs) Focused Comparison Site in Singapore

*Non-Biased 

*Transparent

Mortgage Loan Singapore

Wide Network Of Lenders

 

*Wide variety of funding and lenders

*Personalised guidance and expertise

*Multiple ways to access funding

Business Loan Company

We are Fast & Hassle-Free

 

*Skip The Queue 

*Hassle-free Application

*Ease of Application

Unsecured Business Loan

More Flexible and Simpler

 

*We offer tailor-made financing solutions,  taking into account the specific features of the Client's activities

*We need just a few documents (financial reports and bank statements) to make a decision

Latest SIBOR And SORA Rates
UPDATED AS OF 17 Mar 2026
Click above for historical trend
SIBOR COMPOUNDED SORA
1-month 4.025 3.7698
3-month 4.05644 3.7479
6-month NA 3.7308
12-month NA NA
Latest Business Loan Rates From As Low
As
  • 7.75%
    Interest Rate
    DBS SME WCL LOAN
  • 6.5%
    Interest Rate
    OCBC SME WCL LOAN
Apply Now
LATEST COMMERCIAL PROPERTY LOAN RATES FROM AS LOW
As
  • 2.37%
    Interest Rate
    MAYBANK 2YR BOARD RATE
  • 3.28%
    Interest Rate
    DBS 2YR FIXED
Apply Now
LATEST RESIDENTIAL LOAN RATES FROM AS LOW AS
  • 0.85%
    Interest Rate
    HSBC 2YR 1M SORA
  • 0.96%
    Interest Rate
    SCB 2YR 3M SORA
Apply Now

Latest News

Why SME Loan Approval Rates Dropped to 70% — And What the Iran War Means for 2026

Why SME Loan Approval Rates Dropped to 70% — And What the Iran War Means for 2026

2026-03-17 08:00:04

By mid-2025, Singapore's SME owners were finally catching their breath. Borrowing costs had peaked. SORA was falling. Fixed mortgage packages that...

Real CBS Makeovers: 3 Case Studies of SME Owners Who Turned Bad Credit Around

Real CBS Makeovers: 3 Case Studies of SME Owners Who Turned Bad Credit Around

2025-11-13 06:25:07

Bad credit doesn’t have to end your business journey. Discover how three Singapore SME owners turned poor CBS credit grades — from HX, HH, and HZ...

Ask SmartLend: Why Did My SME Loan Get Rejected?

Ask SmartLend: Why Did My SME Loan Get Rejected?

2025-11-03 06:37:49

Rejected for an SME loan? You’re not alone. SmartLend breaks down the top reasons behind loan rejections — from unstable cash flow to low credit...

Business Loan Eligibility

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Check your business loan eligibility using our proprietory A.I algorithm through Smart-Towkay.Com.
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