Insights

Expert Advice and Insights on Business Loans and Financing

Debt Servicing Ratio and SME Loan Approval Explained

When SMEs apply for business financing, many focus on revenue and profitability. However, one of the most important metrics lenders assess is your Debt Servicing Ratio (DSR). Understanding how DSR works can significantly improve your loan approval chances — and help...

Business Growth Tip: Compounding Margin with Cashflow

Many SME owners believe business growth comes from increasing revenue. While sales matter, true business growth happens when margin is compounded — and that compounding depends on cashflow. Understanding this simple principle can transform how you approach expansion,...

Double Financing & Other Red Flags: A Lender’s Perspective

When lenders assess a company for financing, risk visibility usually outweighs profitability and revenue projections. The biggest concern is whether the business is relying on aggressive or misleading financing practices to stay afloat. Recent developments in...
Buy or Rent for Your Business? Key Considerations for SMEs

Buy or Rent for Your Business? Key Considerations for SMEs

When it comes to securing space for your business—whether it's a warehouse, office, showroom, or factory—the question that always comes up is: Should I buy or rent? There’s no one-size-fits-all answer, but understanding the pros and cons can help you make a smarter,...

Difference Between Employee and Contractor: Know Your Rights

Difference Between Employee and Contractor: Know Your Rights

In Singapore’s evolving work environment, the difference between employee and contractor can seem blurred especially so for those who are just stepping into the workforce. But understanding the distinction is critical — whether you’re being hired or doing the hiring....

Solopreneur to Entrepreneur: How to scale your business

Solopreneur to Entrepreneur: How to scale your business

In today’s fast-moving business landscape, many people start out as solopreneurs — launching small businesses based on their skills or passions. But some reach a point where they want to grow beyond a one-man show. That’s where the transition from solopreneur to...

Case Study: How to Buy Out Shareholders with Financing

Case Study: How to Buy Out Shareholders with Financing

In the journey of growing a business, partnerships can evolve — and sometimes, diverge. Whether due to retirement, changing visions, or irreconcilable differences, business owners often reach a point where one party needs to exit. When this happens, many SMEs ask:...

Get in Touch with Us for Expert Financing Solutions

Business Loans

Working Capital Loan

Industrial/Commercial Property Loan

Supplier Trade Financing

Invoice Factoring/Financing

Hire Purchase/Block Discounting

Insights
5Cs of Credit

Engaging a Business Loan Broker

Good Time to Take Business Loans?

CapitalGuru Pte Ltd

175A Bencoolen Street #07-09
Singapore 189650

+65 8088 2860

info@capitalguru.sg