A business loan is a form of financing provided by financial institutions to companies for operational needs, capital investment, expansion, or working capital purposes. These loans may be secured or unsecured and are typically structured based on the company’s financial profile, business plan, and cash flow projections. Business loans can take various forms, including term loans, lines of credit, or equipment financing, and may come with fixed or variable interest rates. Lenders evaluate the borrower’s credit history, revenue stability, debt capacity, and industry risk during the underwriting process.

商业贷款是金融机构向企业提供的一种融资方式，用于满足运营需求、资本投资、业务扩张或流动资金周转等用途。此类贷款可以为有担保或无担保形式，其结构通常依据企业的财务状况、商业计划及现金流预测进行设计。商业贷款形式多样，包括定期贷款、循环信用额度及设备融资等，利率可为固定或浮动。贷款机构在授信过程中，会综合评估借款企业的信用记录、收入稳定性、负债承受能力及所属行业的风险水平。

文件需求：

• 公司注册文件表 

• 最近3个月银行账单（公司户口）

• 身份证复印件

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Documets Required:

• Business Registration Form

• 3 Months Company Bank Statement (Latest)

• Copy of NRIC

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