Devise Singapore

04/09/2026

Most people think you need money to grow a business.

Rockefeller understood something different.

You need to know how to use capital.

He started small, borrowed money, built a profitable business, and gradually gained access to more credit.

That’s leverage.

Not borrowing for the sake of borrowing.

Using capital to create more business, more cash flow, and more opportunities.

The real question is not just:

“How much money do I have?”

It’s:

“How much productive capital can my business responsibly access?”

SME SingaporeBusiness BusinessLoans

03/09/2026

Singapore SMEs have a limited window to review their working capital options.

From September 2026 to March 2027, the Government’s risk-share under the EFS SME Working Capital Loan has been temporarily enhanced to 70%.

If your business expects higher expenses, upcoming projects, inventory purchases, payroll commitments or slower customer payments, this is a good time to review your cash flow and financing needs.

The key is not to wait until cash flow becomes a problem.

Read the full article to understand what the enhanced EFS means for SMEs and why the timing matters.

Singapore SMEs have a limited window to explore enhanced working capital financing under the EFS. Learn why now may be the time to review your cash flow and funding options.

19/08/2026

Business financing is not just about finding a single loan product.

It’s about understanding your business as a whole, knowing what you need, and preparing before you actually need the money.

Don’t wait until cash is tight. Plan ahead. Build options. Stay ready.

WorkingCapital SMEFinance BusinessTips Entrepreneurship CashFlow BusinessStrategy SingaporeBusiness

14/08/2026

The 1st Ever Business Course That Teaches You To Think Like A Bank.

This is not another business course teaching you how to increase sales, run ads, or become a better entrepreneur.

This is for serious business owners who want to understand what happens behind the bank’s doors.

For years, you’ve depended on your banker, consultant, or loan broker to tell you:
“Can your company get financing?”

But what if you could understand it yourself?
THE BANKABLE BUSINESS BLUEPRINT™ reveals the principles behind how banks look at your business, what can strengthen your profile, what can quietly hurt it—and how to prepare before you ever need financing.

Stop guessing.�Stop depending.�Start understanding.

Build your business around what banks want to see.

11/08/2026

Your client doesn’t owe you a reply.

If your follow-up is just “checking in” or another promo message, you’re probably adding noise, not value.

Give value. Have a reason. Create opportunities.

That’s how you stay remembered.

09/08/2026

61 years of resilience, ambition and progress.

To the entrepreneurs, businesses, and people who keep Singapore moving forward.

Happy National Day, Singapore ~ Devise. Building Better Futures.

29/07/2026

The Government announced on 29 Jul that it has enhanced the Enterprise Financing Scheme (EFS) from Sept 2026 to Mar 2027 to help local SMEs gain better access to financing during a period of rising business costs.

Under the enhanced scheme:

1) SME Working Capital Loan
Government risk-sharing increases from 50% to 70%, helping SMEs secure financing for day-to-day operating expenses such as payroll, rent, inventory and working capital.

2) Project Loan
Government risk-sharing also increases from 50% to 70%.
Coverage is expanded beyond overseas projects to include eligible domestic construction projects, giving local construction firms greater access to financing.

3) New SME Cash Grant 2026
To help businesses cope with rising costs, the Government will also introduce a one-off SME Cash Grant from November 2026.
SMEs with at least one local employee will receive $500 per local employee, capped at $2,500 per business.
Eligible sole proprietorships, partnerships and LLPs with at least one local business owner but no local employees will receive a flat $500 payout.

Why This Matters to Business Owners:

Many business owners see “70% Government risk-share” and wonder what it actually means.

Simply put, the Government will take on a larger share of the lending risk, giving banks greater confidence to lend out to eligible SMEs.

This can benefit businesses in several ways:

- Higher chance of securing financing.
- Better opportunities for SMEs with borderline credit profiles.
- Easier access to working capital for growth and day-to-day operations.
- A limited-time opportunity to secure financing while the enhanced support is available.

The SME Cash Grant also provides immediate financial relief to help offset operating costs, allowing businesses to better manage cash flow.

Do note that loan approval is still not guaranteed. Lenders will continue to assess factors such as cash flow, profitability, repayment ability and the overall financial health of your business.

If you’re planning to expand, invest or strengthen your cash flow, this temporary support could be a good opportunity to review your financing options before the enhanced EFS ends in March 2027.

20/07/2026

Applying for business financing soon?

Before you prepare your company’s financials, take a look at your own Credit Bureau report.

Many business owners don’t realise that banks often assess both the company and its directors. A strong personal credit profile can improve your financing opportunities, while a weak one may work against you.

Your personal credit is more than a personal asset—it’s part of your business credibility.

13/07/2026

Most SMEs don’t fail because they lack customers.

They fail because they run out of cash before they get paid.

One late payment.
One unexpected expense.
One large order that requires upfront costs.

That’s all it takes to put pressure on an otherwise healthy business.

Short-term financing isn’t just for businesses in trouble.

It’s a financial tool that many growing companies use to bridge cash flow gaps, fulfil larger orders, manage working capital and keep operations moving.

The difference isn’t whether you borrow.

It’s whether you understand when—and when not—to use it.

08/07/2026

AI is changing how businesses are built.

The next advantage is not just moving fast—it’s building a business that can grow sustainably with the right financial foundation.