How business loans work 商业贷款如何运作
A business loan provides funds to a registered business, repaid from business income over an agreed term. The amount and term depend on the business's cash flow and records.
商业贷款为注册企业提供资金，以营业收入按期偿还，额度与期限取决于现金流与经营记录。
Common uses 常见用途
Working capital, stock purchases, equipment, renovation, new branches and covering seasonal cash flow gaps.
Documents commonly required 常见所需文件
Business registration (SSM), the owners' ICs, recent company bank statements and, where available, financial statements or management accounts.
Planning repayment 还款规划
Match the repayment schedule to when your business actually earns money. A loan that strains monthly cash flow can hurt the business it was meant to help.
General information only — not financial advice. Every application is assessed individually and approval is not guaranteed. 仅供一般参考，并非财务建议。