Working capital for SMEs, made simple.
Transparent pricing, no hidden charges, and a disciplined credit process designed around how businesses actually earn and pay.
Transparent agreements
Clear pricing and terms upfront, with no hidden charges or confusing clauses.
Cashflow-first financing
Structured for working capital needs.
Efficient process
Submit online securely and move forward.
Credit is subject to assessment and approval.
Capital Solutions for Singapore SMEs
The Future of SME Funding
01
Direct Digital Application
Kickstart your growth with a streamlined interface designed for speed. Our platform connects directly to your financial ecosystem to evaluate business health without tedious manual documentation.
02
Smart Portfolio Review
Our proprietary credit engine analyzes real-time cash flow and transaction data. This technology-driven approach allows us to provide higher lending limits based on your actual business performance.
03
Automated Disbursement
Experience true financial agility. Once approved, the funds are injected directly into your account in under 24 hours, ensuring your Singaporean SME stays ahead in a fast-paced market.
The Straightforward Path to SME Capital
Founded by financial experts in Singapore, Tutum Financial bridges the gap for small businesses seeking growth. Our digital-first platform removes traditional banking friction, delivering tailored working capital solutions that move at the speed of your business. We believe in transparency, speed, and the power of local enterprise.