Your Digital Loan Solution
Flexible Financing | Fast Processing | Easy Application Process
Additional funds might be the little boost your business needs to thrive. Benefit.X has partnered with FundTier to support SMEs to go digital.
Existing customers keen on a digital loan can perform easy-apply in the Benefit.X App

At Benefit.X, we understand the struggles small businesses go through when applying for loans. Aside from the tedious paperwork and application procedures, the high interest rates may end up hindering growth. Without capital, a business is likely to stagnate. As the purpose of the Benefit.X Suite is to be a toolkit for scaling small businesses, this was an issue we had to address.
Hence, we have partnered with FundTier, a MAS regulated, CMS licensed crowdfunding platform that connects local businesses seeking funding with investors looking for alternative investments.
Download Benefit.X App here
Loan Options
Working Capital Loan
Unsecured short-term working capital loan up to 12 months
Invoice Financing
Provide financing that suit the credit terms of your invoices
SME Grant Bridging Loan
Customisation of the Benefit.X Business Platform is claimable by grant, but we can help fund it first. Contact us for more details
Loan Options
Working Capital Loan
Unsecured short-term working capital loan up to 12 months
Invoice Financing
Provide financing that suit the credit terms of your invoices
SME Grant Bridging Loan
Customisation of the Benefit.X Business Platform is claimable by grant, but we can help fund it first. Contact us for more details
Streamlining loan processes
Gone are the long processing times, every moment spent waiting is time wasted. As our valued customer, your company details such as claims made, leaves approved, and payroll generated etc. are already in our system if you are using our HRMS. This legitimizes your company as the data shows that you have proper structures in place and are a genuine business. Thus, this cuts down on approval time as less assessment needs to be done on your company.
Requirements
To be eligible for the loan, you must have an active Benefit.X account and fulfil the criteria provided by Fundtier.

Benefit.X Suite
- Must be a Benefit.X customer
- Completed your KYC
- An active user of the Benefit.X Corporate Card

Working Capital Loan/ Invoice Financing
- Company operated for more than 12months
- No pending litigation for both director & company
Required Documents
- 6 months bank statements
- Past 2 years NOA of all directors/shareholders
- Latest CBS of all directors/shareholders
- Money Lender’s Credit Bureau Report
- NRIC front and back of all directors/shareholders
- Total bank/non-bank borrowing details
- Others (if applicable)

SME Grant Bridging Loan
- At least 1 director is a Singaporean/PR
- Company with no pending litigation
- Received the grant offer letter from Enterprise Singapore
Required Documents
- NRIC (front & back)
- Letter of Offer from Enterprise Singapore
- Past 3 months bank statements
- CBS & MLCB
Using Loan Capital
Upon approval, your loan will be disbursed through the Benefit.X platform. You can then allocate the funds to pay for the following:
Employee Salary
Rent
Software Subscriptions
Other Invoices
Using Loan Capital
Upon approval, your loan will be disbursed through the Benefit.X platform. You can then allocate the funds to pay for the following:
Employee Salary
Rent
Software Subscriptions
Other Invoices