30+
Banks & FIs Partners
Founded by former bankers, we match SMEs with best-fit financing solutions across 30+ banks and financial institutions, making the process simpler, faster, and stress-free.
A Fresh Approach to SME Financing
You can. But every lender has different financing criteria and product offerings. Instead of approaching them one by one, let us help you identify suitable financing options, manage the application process, and save you valuable time.
We work with 30+ banks and financial institutions and understand their different lending criteria. Instead of applying everywhere, we identify the lenders best suited to your business, helping you save time and avoid unnecessary applications.
With over 10 years of experience working with bank credit teams, we understand what lenders look for. We prepare every application to be complete, accurate, and well-organised, helping minimise unnecessary queries and delays.
We manage the paperwork, coordinate with lenders, and handle follow-ups throughout the application process. You receive a clear comparison of suitable financing options, allowing you to make an informed decision.
Unlike dealing with a single bank, we compare financing solutions across more than 30 banks and financial institutions, recommending the options best suited to your business needs.
From working capital and trade financing to property loans, we match each business need to the right lender.
Flexible financing to cover daily operations, payroll, and cash-flow gaps. Government-backed financing of up to S$500,000 for eligible SMEs.
Lump-sum financing repaid over a fixed term to fund growth or larger commitments.
Bridge the gap between paying suppliers and getting paid by your customers.
Purchase or refinance your premises, factory, or investment property.
Unlock the value in your existing property to raise working capital.
Acquire machinery, equipment, or commercial vehicles without tying up cash.
Funding routes for younger companies with limited operating history.
Non-bank and digital lender options for businesses outside standard credit boxes.
Home loans and refinancing to secure a better rate on your private or HDB property.
Unsecured financing to consolidate debt or cover personal needs at competitive rates.
Simple, transparent, and focused on financing solutions that best match your business profile.
Tell us about your business over a call or WhatsApp. Let us know what you need the funds for and the rough quantum. No obligations.
Send us the required documents for a quick review. We'll come back within 24 to 48 hours with a financing solution tailored to your case.
We meet in person or by call to walk you through your financing options, tailor the loan structure to your needs, prep you for the bank interview, and guide you toward a smooth approval.
We chase the lender, handle queries, and negotiate the best terms for you. Once approved, we walk you through the Letter of Offer and guide you through signing and disbursement.
Check your eligibility or estimate your repayments. Both are indicative, a quick chat gives you the real answer.
A few quick questions to better understand your business.
A previous rejection doesn't close your options — we may still be able to help.
Enter your loan details to estimate your monthly repayment.
Indicative only, on a reducing-balance basis. Actual rates and repayments are set by the lender.
Arata Consultants is an independent SME financing advisory and loan brokerage based in Singapore. Founded by former SME bankers with over 10 years of banking experience, we help businesses navigate the financing process with confidence.
We work with more than 30 banks and financial institutions to identify financing solutions that best suit your business needs. From understanding your requirements to preparing a complete and well organised application, we manage the process from start to finish, saving you time and simplifying your financing journey.
As an independent advisory firm, we are not tied to any single lender. Our recommendations are based on finding the most suitable financing solution for your business, and our success is measured by yours.
Still unsure? Call or WhatsApp us at 9100 8843 for a friendly, no-obligation advice.
A bank can only offer its own financing products. As an independent SME financing advisory, we compare financing solutions across more than 30 banks and financial institutions to help identify options that best suit your business needs.
Founded by former SME bankers, we understand how lenders assess applications and help you prepare a complete, well organised submission. We manage the process from start to finish, saving you time and simplifying your financing journey.
Our advisory fee is success-based, so you pay only upon successful financing.
We don't charge any upfront fees for our brokerage services. You only pay once your loan is approved, which keeps our interests fully aligned with securing the best possible terms for you. There are no hidden costs or unexpected charges at any stage.
Most business financing options require:
Requirements vary across the 30+ banks and financial institutions we work with. New businesses, foreign-owned companies, and lower-revenue SMEs may still have suitable financing options.
The fastest way to find out what you qualify for is a quick conversation. Get in touch and we'll assess your options.
For a no-obligation assessment:
Email admin@arata.com.sg or WhatsApp us at 9100 8843, and we'll come back within 24 to 48 hours.
All documents are kept strictly confidential and used solely for your assessment.
It depends on the lender and product, but here's a realistic guide:
Start to finish, expect 3 to 5 weeks.
Timelines vary because banks apply their own credit checks, which can include mandatory site visits, phone interviews with the credit officer, and queries about your business.
Our advisory fee is success-based and will be agreed with you during consultation. You pay only upon successful financing. No upfront fees. No hidden charges.
A previous rejection doesn't mean you can't apply again. We'll review your previous application, identify any gaps, and help you find suitable financing options. We'll also guide you through the application process and prepare a complete, well-organised submission to maximise your chances of approval.
No upfront fees. No obligations. Just a conversation to understand your business needs.
Call or WhatsApp us directly. We'll get back to you with the next steps, usually within one business day.