The challenge

A retail and eCommerce clothing business faced an urgent financial hurdle. After purchasing a property, the business needed $130,000 to complete a deferred completion payment. The business owner had negotiated a short window, just one month to finalise the completion.

Missing the completion deadline would have put the entire property deal at risk — while any hit to cash flow would have slowed stock orders, disrupted fulfilment, and undermined hard-won momentum in both the retail store and online channel. It was critical to keep the business’s day-to-day operations running smoothly, ensuring cash flow remained steady to support online sales and fulfil customer orders.

Recognising the need for a fast, flexible solution, the business owner turned to Bizcap for assistance.

The Bizcap difference

When reviewing the application, Bizcap assessed the business’s strong revenue from its retail and online operations, alongside its growth potential. The team understood the urgency of the situation and the importance of maintaining operational stability while meeting the completion deadline.

Within 24 hours, Bizcap approved a $95,000 Fast Business Loan delivering the funds the business needed quickly and efficiently.

The outcome

The business used the capital to help complete the deferred completion payment and avoid escalating interest charges. With funding secured, the owner was able to preserve cash flow for the business’s everyday needs, allowing it to continue running smoothly and focus on future growth. Not only that, but securing the property strengthened the business’s long-term position by reducing reliance on rising commercial rents and giving the owner a stable base for future expansion.

Partnering with Bizcap

Every business faces moments where timing is everything. For this retailer, quick access to capital made the difference between a costly delay and a smooth completion.

Bizcap’s Fast Business Loan gave them the breathing room to move forward without sacrificing cash flow or growth plans. With a straightforward process, fast turnaround and a team that understands business urgency, Bizcap helps Singapore SMEs stay one step ahead.

Whether you’re expanding, managing cash flow or seizing new opportunities, Bizcap is ready to help your business move confidently into 2026 and beyond. Apply online in minutes and access the funding that keeps your business moving.