Terms and Conditions

1. Introduction

These Terms govern your use of businessloans.sg ("the Site", "we", "us"). By accessing the Site or submitting an enquiry, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, do not use the Site.

2. What our service does

businessloans.sg provides:

• Editorial comparison content covering SG SME business-lending products from major banks and alternative lenders.
• Calculator widgets producing illustrative repayment scenarios. The numbers shown are illustrative — they are not offers, not pre-approvals, and not binding.
• Enquiry routing: when you submit a lead form, we route your enquiry to up to three lenders in our comparison set that look like a fit for your stated profile.
• Machine-readable comparator data at /api/provider/{slug}/ and /api/loan-type/{slug}/ endpoints under a CC BY 4.0 attribution license.

We do NOT extend credit. We do NOT make lending decisions. We do NOT guarantee approval. Every lender we list applies its own underwriting; outcomes and pricing are set by the lender.

3. Lender comparison coverage — important framing

Our comparison set covers, among others, DBS, OCBC, UOB, Maybank, CIMB, Standard Chartered, RHB, HLF, GXS, Bizcap, Funding Societies, Aspire, Validus, Lendingpot, Aspial Financial. Being listed in our comparison does NOT mean we are a paid partner of that lender. Where we have a paid lead-routing arrangement with a specific lender, we disclose it on the relevant page. Where we do not, the listing is informational comparator coverage of publicly-available product information only.

When we route your enquiry to a lender, the lender independently decides whether to contact you and on what terms. The relationship that follows is between you and the lender; we are not a party to that relationship.

4. Your responsibilities

• Provide accurate information when submitting enquiries.
• Use the Site for lawful purposes only.
• Do not misrepresent your identity, business or financial position.
• Do not attempt to access non-public areas of the Site or interfere with its operation.
• Comply with applicable Singapore law in your use of the Site.

5. Intellectual property

Editorial content, layout, calculator code and brand assets on businessloans.sg are protected under SG copyright and trademark law. You may not reproduce or republish editorial content without our written permission.

Our machine-readable comparator data at /api/provider/{slug}/ and /api/loan-type/{slug}/ is published under CC BY 4.0 with attribution to businessloans.sg + the underlying lender source URL. You may reuse the JSON / markdown there under those terms.

6. Disclaimer

All content on the Site is provided for general informational and comparison purposes. We make no representation or warranty about the completeness, accuracy or currentness of any specific lender product detail — products change, and the lender's own product page is the binding source. Each fact-bearing claim on our editorial pages carries a SourceChip linking to the underlying authority (EnterpriseSG, MAS, IRAS, the lender's product page) with a verified-as-of date. Verify those underlying sources before relying on any figure for an actual decision.

We do not provide financial advice. The Site is not a substitute for professional advice from a licensed financial adviser, accountant or lawyer. Where the question matters to you (e.g. a large loan, a tax-position decision, a corporate restructure), consult an appropriately licensed professional.

7. Limitation of liability

To the maximum extent permitted by SG law, businessloans.sg and its operators are not liable for any indirect, incidental, special, consequential or punitive damages — including loss of profits, business interruption, or data loss — arising out of or relating to your use of the Site, reliance on Site content, or any subsequent dealing with a lender we routed your enquiry to.

8. Indemnity

You agree to indemnify businessloans.sg against claims, losses or expenses arising from your breach of these Terms or your unlawful use of the Site.

9. Third-party links

The Site contains links to lender product pages, EnterpriseSG, MAS, IRAS, ACRA and other third-party sites. We do not control those sites and assume no responsibility for their content or privacy practices. Review the destination site's own terms and privacy policy.

10. Governing law

These Terms are governed by the laws of Singapore. The Singapore courts have non-exclusive jurisdiction over any dispute arising in connection with these Terms.

11. Applicable SG regulatory context

• PDPA 2012 — personal-data handling Source: PDPC ↗ PDPC Verified 5 Jun 2026 Opens in a new tab .
• CPFTA 2003 — Consumer Protection (Fair Trading) Act framework on misleading representations Source: CPFTA 2003 ↗ CPFTA 2003 Verified 5 Jun 2026 Opens in a new tab .
• Moneylenders Act 2010 — we are NOT a moneylender; the Act governs SG licensed moneylenders we may compare against on certain products Source: Moneylenders Act 2010 ↗ Moneylenders Act 2010 Verified 5 Jun 2026 Opens in a new tab .
• Banking Act + MAS Acts — bank lenders we compare are MAS-licensed; we are not.

12. Changes

We may amend these Terms when our service evolves or when applicable SG law changes. Updated Terms take effect when posted; the "Last updated" date at the top reflects the current revision. Continued use of the Site after a change constitutes acceptance.

13. Contact