Check Eligibility
SME Funding Specialists · Singapore

Paying high interest on your business loan? We get businesses funded from as low as 2% a year.

Armani Funding refinances expensive business debt and secures fresh capital for Singapore SMEs, including the ones the banks turned down. One bank saying no is not the market saying no. Over 1000 SMEs funded and counting.

Check My Eligibility See real approvals
From 2%
A year on qualifying loans
0
SMEs funded
$0
Upfront to start
Free eligibility check

See what your business qualifies for

Takes under a minute. No meeting needed, we come to you.

Free and no obligation. We reach out by WhatsApp.

Request received

Our team will WhatsApp you shortly with the funding options your business qualifies for.

Rates from 2% a year
1000+ SMEs funded
Approvals in hours
No upfront cost
Proof, not promises

Real approvals. Real businesses. Every week.

A snapshot of recent funding we secured for clients who were first turned away by their bank.

Bank loan approval for S$300,000
S$300,000
Approved
Loan approval for S$180,991 after being rejected by other brokers
S$180,991
Rejected by 4 other brokers first
Bank loan approval for S$150,000
S$150,000
Approved
Bank approval for S$138,700, the eleventh approval that day
S$138,700
11th approval that day
Maybank SME approval for S$100,000, the sixth approval that day
S$100,000
6th approval that day
Loan approval for S$72,274
S$72,274
Approved
Bank loan approval for S$60,000
S$60,000
Approved
Bank loan approval for S$30,000
S$30,000
Approved

Names and account details are redacted to protect client privacy. Figures reflect real approvals secured through Armani Funding.

What we do

Three reasons owners call Armani.

Whether you are paying too much today or you have already heard no, there is a way forward.

01 · Refinance

Paying high interest? Refinance from as low as 2% a year.

Already carrying a business loan at a painful rate? We restructure it and bring your cost of borrowing down, so more of your cash stays inside the business.

2%a year on qualifying loans
02 · Rejected by the banks

One bank saying no is not the market saying no.

A rejection is where most of our clients begin. We take your file to every lender and private bank we work with, and we keep going until there is a yes.

03 · Our promise

If we can't, no one can.

We go deeper than other brokers. We guide you, prepare your business to qualify, and push every door open on your behalf until you are funded.

Why Armani

Everything working in your favour.

The reasons Singapore SME owners choose us over going back to the bank alone.

Rates as low as 2% a year

We secure and refinance business loans from as low as 2% a year for qualifying companies, so you keep more of what you earn.

Every lender and private bank

We work the entire market on your behalf, not a single institution, so the right door gets opened for your business.

Approvals in hours, not weeks

We move at the speed your business needs. Many approvals land within hours, and funds can follow within days.

Approved after the banks said no

Over 1000 SMEs funded, many of them after a flat rejection from their own bank. We show real approvals, not vague claims.

No upfront cost

You only move forward when there is a real offer on the table. Checking where you stand is completely free.

Up to S$800k working capital

Access up to S$800k in working capital to fund growth, stock, payroll or expansion as your business needs it.

Real people, not a portal

A team that sits across the table from you.

Behind every approval is a conversation. Our specialists meet Singapore SME owners where they are, learn the business the bank never bothered to understand, and personally take it to lender after lender.

  • One dedicated specialist owns your file from first hello to funds in the account.
  • We do the chasing and negotiating, in person, while you run your business.
  • A handshake and a yes, often within days of a bank saying no.
Advisor and SME owner shaking hands after closing a deal
Armani Funding specialist discussing a case with a client
Business owners meeting with the funding team around a laptop
In their words

Owners who got a yes after a no.

What Singapore business owners say after working with us.

Two banks turned me down in the same week. Armani had S$150k approved within days. I only wish I had called them first.

LK
Lim Chee Keong
SME owner, Singapore

We were stuck paying high interest for years. Armani refinanced the loan and brought our rate right down, and the savings went straight back into the business.

NA
Nurul Aisyah
Managing director, Singapore SME

Professional, honest, and they actually pick up the phone. Got us S$250k when our own bank said no without even explaining why.

RK
Ramesh Kumar
Company director, Singapore
The eligibility check

A free check, with nothing to lose.

Curious what your business qualifies for? Find out in under a minute. No cost, no commitment, no pressure.

1

Tell us the basics

Share a few details in the short form. It takes under a minute and costs you nothing.

2

We work every lender

Our specialists review your file against every lender and private bank we work with, then find your best route.

3

You get a straight answer

We reach out by WhatsApp with the funding and rates your business qualifies for. No obligation to proceed.

Check My Eligibility
Good questions

Everything owners ask us first.

Yes. Rejected files are exactly what we specialise in. A single bank declining you does not mean the market has. We work the full panel of lenders to find the one that says yes.

No. There is no cost to check what you qualify for. You only move forward once there is a real funding offer on the table.

Many approvals come through within days, and some within hours of submitting. We move at the speed your business actually needs.

Often no. We work lenders and angles that do not hinge on a full set of bank statements, so businesses with thin paperwork still get funded with us.

Yes. We refinance expensive business debt and secure rates as low as 2% a year for qualifying companies, so more of your cash stays in the business.

Just the short form above. We follow up by WhatsApp, tell you where you stand, and guide you through the rest. No meeting required to begin.

Free eligibility check

Find out what your business qualifies for.

No cost. No obligation. Just a straight answer on the funding and rates available to you, including a refinance option if you are paying too much today.

  • Rates from as low as 2% a year
  • Up to S$800k in working capital
  • We reply by WhatsApp, no pressure
Free eligibility check

See what your business qualifies for

Takes under a minute.

Free and no obligation. We reach out by WhatsApp.

Request received

Our team will WhatsApp you shortly with the funding options your business qualifies for.