Earth Advisory SG

Earth Advisory SG We help SMEs get their business loans approved with their required amount or more.
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We are grateful for nights like this.As we gathered for our Chinese New Year dinner, looking around the table — good foo...
26/02/2026

We are grateful for nights like this.

As we gathered for our Chinese New Year dinner, looking around the table — good food, good conversations, familiar faces — it really reminded me how far we’ve come in 2025.

It’s been a year of growth, challenges, and breakthroughs. We’re thankful for the trust from clients, the teamwork behind every deal, and the quiet wins that don’t always get posted.

Feeling blessed for what we’ve built — and even more excited about what’s ahead.

The table might just need to get a little bigger next year.

It’s such an honour to be recognised and valued as a partner.
30/09/2025

It’s such an honour to be recognised and valued as a partner.

A meaningful meeting with some of the finest in the industry from OCBC. We’re incredibly grateful for the continued supp...
11/06/2025

A meaningful meeting with some of the finest in the industry from OCBC.

We’re incredibly grateful for the continued support from our banking partners—whose dedication and commitment have helped many of our SME clients secure timely funding when it mattered most. 🙌🏼

At Earth Advisory, we work closely with trusted institutions to explore the best financial solutions for our clients. The journey is smoother when you’re surrounded by experienced, dependable people. Here’s to more success stories ahead! 🚀

Need a business loan? Don’t settle—maximize it.At Earth Advisory, we specialize in helping businesses unlock the full po...
05/05/2025

Need a business loan? Don’t settle—maximize it.
At Earth Advisory, we specialize in helping businesses unlock the full potential of their financing. Whether you’re scaling, launching, or stabilizing—we’re the broker that makes your funding work harder for you.

Let’s get you the deal you deserve.

DM us to get started.

19/02/2025

Business Loans – No Impact on Your Personal Finances
Caption:
💼 Did you know? Business loans are a great way to fund your business goals without affecting your personal finances.

Here’s why:
✅ Business loans are tied to your company, not you personally.
✅ They do not affect your personal TDSR or BTI, so your ability to secure a mortgage or personal loan remains intact.
✅ Flexible terms and competitive rates tailored to your business needs.

Whether you’re expanding, buying equipment, or managing cash flow, a business loan can help you achieve your goals.

📩 Want to know how to make use of Business Loans? DM us today

TDSR and BTI – Why They Matter for Personal Loans📊 Understanding TDSR and BTI is crucial when taking a personal loan. He...
18/02/2025

TDSR and BTI – Why They Matter for Personal Loans

📊 Understanding TDSR and BTI is crucial when taking a personal loan. Here’s why:

TDSR (Total Debt Servicing Ratio): Banks in Singapore limit your monthly debt repayments to 55% of your gross monthly income. This includes mortgages, car loans, and personal loans.

BTI (Balance-to-Income Ratio): This measures your total unsecured debt (like personal loans) against your income. If your BTI exceeds 12x your monthly income, you may face borrowing restrictions, both Business and Personal Loans.

💡 Key Takeaway: Personal loans can impact your ability to secure a mortgage or other financing. Always plan your finances wisely!

Need help navigating your options? Let’s chat! 💬

Personal Loans vs. Business LoansWhat’s the Difference?🤔 Confused about whether to take a personal loan or a business lo...
17/02/2025

Personal Loans vs. Business Loans

What’s the Difference?
🤔 Confused about whether to take a personal loan or a business loan? Let’s break it down!

Personal Loans:

✔ Used for personal expenses (e.g., weddings, education, emergencies).

✔ Affects your TDSR and BTI, which can impact your ability to secure a mortgage.

✔ Interest rates are typically higher than secured loans.

Business Loans:

✔ Used for business purposes (e.g., expansion, equipment, working capital).

✔ Does not affect your personal TDSR or BTI.

✔ Interest rates and terms are tailored to your business needs.

💼 Which is Right for You?
If you’re funding personal expenses, a personal loan might be the way to go. But if you’re growing your business, a business loan is the smarter choice.

Need advice? We’re here to help! 💬

🚀 Thinking of expanding your business? A business loan might be the smarter choice!Unlike personal loans, business loans...
14/02/2025

🚀 Thinking of expanding your business? A business loan might be the smarter choice!

Unlike personal loans, business loans do not affect your personal TDSR or BTI. This means your ability to secure a mortgage or other personal financing won’t be impacted by your business loan.

Here’s why business loans are great for SMEs:
✅ Funds are used exclusively for business purposes.
✅ No impact on your personal credit health or debt ratios.
✅ Flexible repayment terms tailored to your business cash flow.

💡 Did You Know? Business loans can be used for working capital, equipment purchases, or even commercial property investments.

Let us help you find the best business loan for your needs.
Contact us today! 📩

Understanding Personal Loans and Their Impact on TDSR💡 Did you know that personal loans can affect your ability to secur...
13/02/2025

Understanding Personal Loans and Their Impact on TDSR

💡 Did you know that personal loans can affect your ability to secure a mortgage? Here’s why:

When you apply for a personal loan, it’s considered part of your Total Debt Servicing Ratio (TDSR) and Balance-to-Income Ratio (BTI). These ratios measure your ability to manage debt relative to your income.

TDSR: Banks in Singapore cap your monthly debt repayments at 55% of your gross monthly income. This includes mortgages, car loans, credit card debt, and personal loans.

BTI: This looks at your total outstanding unsecured debt (like personal loans) relative to your income. If your BTI exceeds 12x your monthly income, you may face restrictions on further unsecured borrowing.

💼 Pro Tip: If you’re planning to buy a property, keep your personal loan balances low to avoid impacting your TDSR and BTI.

Want to find out more? Drop us a DM! 💬

A company will never be successful without competent people. It is important to Earth Advisory that we stay true to our ...
23/10/2024

A company will never be successful without competent people.

It is important to Earth Advisory that we stay true to our clients and even more so to all our staffs.

We cherish everyone in the company and top performers are acknowledged!

Congratulations to the them in their achievements!

We work hard and we play hard. 2024 Q3 CohesionThe team enjoying a game of “Werewolf”
07/08/2024

We work hard and we play hard.

2024 Q3 Cohesion

The team enjoying a game of “Werewolf”

Address

Oxley Bizhub, 65 Ubi Road 1, #03/71
Singapore
408729

Opening Hours

Monday 09:00 - 19:00
Tuesday 09:00 - 19:00
Wednesday 09:00 - 19:00
Thursday 09:00 - 19:00
Friday 09:00 - 19:00
Saturday 10:00 - 13:30

Telephone

+6580204799

Website

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