Commercial Real Estate Loan

Own your business space.

Own your business space.

Commercial Real Estate Loan

At CitiBusiness, we recognise that Small and Medium Enterprises (SMEs) are the engine for Singapore's growth. As your business expands and grows, you will need a trusted partner to support your financial needs. Whether you are looking to purchase or refinance your commercial property, look to CitiBusiness Commercial Real Estate Loan which is designed to match your business needs.

New PurchaseNew Purchase

Grow your business with a loan for a new commercial property, office or retail space.

Refinance/Cash OutRefinance/Cash Out

Reduce your payments with lower interest rates and/or longer tenor, or use the equity from your commercial property for working capital purposes.

Features & Benefits
Easy to apply

Easy to apply

  • Simple documentation
  • Hassle-free application process
Flexible pricing

Flexible pricing

  • Competitive interest rates and the option of a fixed or market-pegged rate
Financing options

Financing options

  • Finance up to 80% of the valuation or purchase price of the commercial property (whichever is lower)
  • Flexible tenor of up to 30 years
Lower cost

Lower cost

  • Legal and valuation subsidies* to reduce the cost of financing
Regular repayment schedule

Regular repayment schedule

  • Scheduled repayment terms to match your business' cash flow
  • Automated monthly deduction
Additional working capital

Additional working capital

  • Option to receive working capital of up to S$350,000 in a single application

*Approval subject to terms and conditions.

Property types
  • Office
  • Warehouse
  • Light industrial factories
  • Retail shops
  • Medical office/suites

The list above is non-exhaustive.

Eligibility & Documents

Eligibility

  • Singapore-registered business
  • 30% or more shareholding held by Singaporeans and/or Singapore Permanent Residents
  • Minimum three (3) years in business operation
  • Minimum S$750,000 in annual sales turnover

Documents Required

  • CitiBusiness Facilities Application form
  • Photocopies of Identity Card(s)/Passport(s) of Sole Proprietors/Partners/Guarantors
  • Company's operating bank current account statements for the last 6 months
  • Company's financial statements for the last 2 years
  • Income Tax Notices of Assessment of Sole Proprietors/Partners/Guarantors
  • Loan repayment statement (for refinancing)/Copy of Option to Purchase (for new purchase)

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