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Frequently Asked Questions

Below are some of the most common questions being asked by our clients


Who Are We ?

At Almond Capital, we believe that everyone should have an equal opportunity to financial access.


That’s why we have committed ourselves to making affordable financial products and services that are accessible to all businesses, regardless of size and net worth. Through investments in digital technology and operational efficiency, we continually devise new methods to provide convenience to SMEs.

At the same time, we never lose sight of our service excellence. We want to build a relationship with our clients that goes beyond finance.

Is my company eligible for a loan at Almond Capital ?

In order to be eligible for a loan, you must be

  • A Private Limited Company registered with ACRA

  • One of your directors must be a Singaporean / Permanent Resident or foreigner residing in Singapore.

  • Your business should also have an annual revenue of at least $100,000.

  • Preferably, your business has also been in operation for at least 10 months.

What documents do I need to apply?

  • Latest 6 months of Bank statements

  • Company Financial Statement for the past year

  • Latest Credit Bureau Singapore (CBS) Credit Report of Applicant(s)

  • Latest Moneylenders Credit Bureau (MLCB) report of Applicant(s)


In addition, you may provide any upcoming contracts, aging reports, expected invoices, and other documents that you think may be applicable to the loan assessment.

How soon can I get approval?

If your application meets the credit risk criteria, approval is typically completed within hours. Once all the required documents and information has been submitted properly, you can get your loan within 24 hours of the application.

Is a personal guarntee required?

Yes a personal guarantee is required for all loans in the market 

I have poor credit score. Can I still borrow?

There are many variables that contribute to a poor credit score. As long as you are not currently under any litigation or bankrupt, we are always happy to explore how we can assist.

Your interest rates are more expensive as compared to banks. What are the benefits of getting funding from Almond Capital?

We are very familiar with Bank SME lending too. Firstly to secure a Bank loan is not easy and definitely need at least 1.5 months to get approval.


Our business loans are catered for SME clients who need urgent funding for specific needs, such as payment for an important project or even to help with short-termed cash flow needs. Our credit assessment are not stringent as compared to banks (as long you meet our basic criteria) and we definitely want to be your long term partner to help your company to grow.   

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