Is It Possible To Secure A Business Loan Up To $1,000,000 And Rebuild Your CBS Score In 3 To 6 Months, Even Though You Have Been Rejected By Multiple Banks?
We act as your “Money Doctor” — diagnosing your profile against internal bank matrices before a single application is lodged, so you get approved without burning your credit profile.
- $100k – $1M
- Funding secured
- 4.8% p.a.
- Legitimate bank rates
- 2 – 3 days
- Cash disbursement
- 70%
- Govt risk-sharing
“Sorry, we regret to inform you that your application for a business loan has not been successful.”
Don’t waste time with banks that make you head to their office, after all that hassle of preparing your documents, only to inform you that your loan application has been rejected.
Worse, they don’t tell you the reason, leaving you lost. And you can’t make another loan application without further damaging your fragile Credit Bureau Singapore (CBS) score.
And then you remember your business still needs to operate. You still need to fund staff payroll, secure inventory and cover heavy overheads while waiting 30 to 60 days for your customers to settle their invoices.
The current economic situation hasn’t been easy, especially if your company operates in restricted industries like Construction, Oil & Gas or F&B.
But without sufficient cash flow, it’s impossible to survive, let alone expand. Before you can expect to open new outlets or take on larger projects, you still need to pump in capital to keep the business afloat. The saying we need money to make money couldn’t ring truer.
At G.L.S, we act as your “Money Doctor”, assisting SMEs in finding maximum business approvals — from $100,000 up to $1,000,000 — even for hard-to-place profiles.
As we utilise our deep knowledge of internal bank assessment matrices and government-assisted risk-share schemes, businesses even with previously downgraded CBS grades can secure legitimate 4.8% p.a. bank rates.
What’s more, getting a loan has never been this secure. We conduct a “Battle-Ready” pre-submission diagnostic to ensure a high approval rate without burning your credit profile. Within 2 to 3 days, strong profiles can get cash disbursed into their account.
A Clinical Approach To Business Funding
We treat the cause, not just the symptom — so your approval holds and your credit profile stays intact.
100% Protection Of Your CBS Score
Unlike conventional brokers who blindly submit your applications and damage your credit rating, we conduct a “Battle-Ready” internal diagnostic against bank matrices before applying. We protect your CBS grade and prevent further downgrades.
Access Up To $1,000,000 With Government Risk-Sharing
We leverage government-assisted financing schemes where the government absorbs 70% of the loan risk. This drastically increases your approval odds for working capital up to $1,000,000.
3 To 6 Months Credit Restoration Roadmap
If your credit score is heavily damaged (e.g. HH or EE grade), we don’t just reject you. We provide step-by-step coaching for 3 to 6 months to repair your CBS grade back to CC, BB or AA, making you highly bankable again.
Pay Only Upon Successful Disbursement
No hidden upfront fees. We charge a performance-based success fee of 15% to 20% strictly only after the cash is successfully disbursed into your bank account.
G.L.S vs Banks vs Standard Brokers
| Features | G.L.S (Money Doctor) | Traditional Banks | Standard Loan Brokers |
|---|---|---|---|
| Conducts internal pre-assessment to prevent CBS score damage | |||
| Evaluates against multiple tier 1-3 lenders for maximum approval | |||
| Provides 3-to-6-month step-by-step credit repair coaching | |||
| Helps restricted industries (e.g. Construction, F&B) get funding |
What You Can Expect From Start To Finish
Five clinical steps, from confidential review to cash in your business account.
- 1
Submit Your Documents
You provide your latest 6 months of bank statements, 2 years NOA, NRIC and a recent CBS report for our initial confidential review.
- 2
Internal Matrix Diagnostic
We run your financial metrics against the internal assessment matrices of various banks to pinpoint your true borrowing capacity and identify red flags.
- 3
Credit Restoration (If Required)
For severely downgraded scores, we coach you over 3 to 6 months on debt repayment and revenue reporting to repair your CBS grade before any bank submission.
- 4
Targeted Bank Submission
We submit your optimised loan application only to the specific lenders most likely to approve your industry and profile.
- 5
Approval & Cash Disbursement
Once approved, your loan (up to $1,000,000) is disbursed directly into your business account in as fast as 2 to 3 days, and our success fee is only collected then.
Financing Treatments We Prescribe
Invoice Financing
We help businesses unlock immediate liquid cash against unpaid buyer invoices, entirely bypassing the frustrating 30-to-60-day waiting period from your clients.
Business & F&B Loans
We tailor working capital loans perfectly suited for small and medium enterprises facing heavy inventory costs and high monthly overheads.
Government-Assisted Scheme Financing
We drastically increase your bank approval rates by leveraging schemes where the government assumes 70% of the loan risk, easing the burden on commercial lenders.
Credit Score Restoration
We diagnose and cure “sick” business credit, structurally rebuilding your CBS profile from EE/HH up to AA/BB so you remain bankable for years to come.
You’re In The Right Clinic If…
SME Business Owners With Prior Bank Rejections
You applied directly to DBS or UOB, got a hard “No”, and are terrified of applying again.
Contractors & Wholesalers With Cash Flow Bottlenecks
You have cash trapped because your corporate clients demand 30 to 60 days of credit terms.
Directors Operating In “Blacklisted” Industries
You are in Construction, F&B or Oil & Gas and find traditional commercial banks extremely unsupportive.
Startups Incorporated For 3 Years Seeking Expansion
You have survived the startup phase and urgently need $100k to $1M in capital to open new outlets or facilities.
Owners With Damaged Credit Scores (CBS)
Your credit rating is fragile or ruined by inexperienced brokers, and you need professional intervention to repair it.
Founders Who Want Zero Upfront Risk
You are sceptical of sketchy brokers and only want to pay a success fee when the funds are fully disbursed.
Most Brokers Are Document Passers. We Are Your Money Doctor.
Most traditional loan brokers in Singapore are mere document passers. They blindly submit your financial paperwork to multiple banks, hoping one sticks — and when it doesn’t, your Credit Bureau Singapore (CBS) score is severely penalised by multiple hard inquiries. This is a massive industry failure that leaves desperate business owners in worse shape than before.
At G.L.S, we operate differently. We are your “Money Doctor”. With deep, insider knowledge of banks’ internal assessment matrices, we never submit an application blindly. We conduct a rigorous “Battle-Ready” diagnostic, and if your credit is “sick”, we spend 3 to 6 months coaching you to restore it before applying.
By leveraging government risk-sharing schemes and matching your unique profile to the right Tier 1, 2 or 3 lenders, we secure maximum approvals ranging from $100,000 to $1,000,000 for hard-to-place businesses.
Questions Business Owners Ask Us
Stop Letting A Fragile CBS Score Starve Your Business.
Stop letting a fragile CBS score or previous bank rejections starve your business of the cash flow it desperately needs.
It’s time to stop second-guessing your loan applications and crossing your fingers. Secure the maximum capital — whether it’s $100,000 or $1,000,000 — without risking further damage to your credit profile.
Submit your basic documents for a 100% confidential, zero-obligation internal diagnostic today.
Claim Your Free Pre-Submission Diagnostic
Tell us about your business. We’ll review your profile against bank matrices and reply with your true borrowing capacity.