Bema Seat Management Services

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SME Loans

Initiative of Singapore government to help SMEs in raising finance for their businesses.

Criteria for SME Micro Loan $100,000

  • 30% local shareholding (including PR)
  • Turnover per year not more than $10 million
  • Staff strength not more than 10.
  • Low interest rate
  • Singapore government guarantee 50% of the loan

Criteria for SME Working Capital Loan $300,000

  • 30% local shareholding (including PR)
  • Turnover per year not more than $100 million
  • Staff strength not more than 200.
  • Low interest rate
  • Singapore government guarantee 50% of the loan

Our advise is that first try to get the SME Loans as interest rate is low compared to banks. You then supplement the loan quantum with term loans, etc if amount is not sufficient.

Bank loans which SMEs may required:

  • Bank Term Loan
  • Trade Finance
  • Property Mortgage Loan
  • Factoring
  • Hire Purchase
  • Project Funding

Click Here to apply for SME Micro and Working Capital loans.


 

Small Project Funding / Private Investments

If you company requires funds for its projects locally and overseas. we have a large pool of private investors you can tap on.

Please note that we do not do seed funding or venture capital funding for new start ups.  You must have a running business (preferably with few years history and profitable).

Private investors will want to have a stake in your company (equities).
Preferably for companies who plan to IPO in future.

Fix appointment with us to discuss this further tham@bemaseat.com

If you are looking for working capital, better get SME Micro and /or
Working Capital Loans.  Click Here to apply for SME Micro and Working Capital loans.

 


 

Major Project Funding
(with DPLC and SBLC)

If you company requires funding for major projects (e.g. construction, oil & gas, merger and acquisition, IPO, etc) which involved millions of dollars, you may want to consider using Direct Pay Letter of Credit (DPLC) and SBLC.

DPLC

It has been around for more than 60 years but not too many people knows how to use it. Your company must be financially sound and with good connection with your local bank.

It utilises U.S. pension funds as source of funds for the projects. Many advantages such as:

  • Low interest rates
  • No maximum amount
  • First 3 years no need to pay back
  • Tenure can stretch up to 40 years
  • No penalty when pay back earlier
  • No upfront fees

 

SBLC

SBLC has been used to fund projects.  However due to large amount involved and the complexiity of this bank instrument, there are many scam artiste in the market.
If you want to use SBLC, it is very difficult to get genuine providers and buyers.  99% are con job.  The trick is to find that 1%.  We belong to that 1%.

Anybody who ask for upfront fees are con.  It is criminal and illegal to ask for upfront fees.
We have come across many cases whereby companies were being scammed hundreds of thousands by such SBLC CONsultants.

 

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IMPORTANT NOTICE

We deal only with end borrower and/or mandate. Brokers in long food chain
will not be entertained, especially those who asked for upfront fees.

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For SBLC, we will not give procedural documents until we can confirm the party is genuine.  We do not want our documents to be floating around in the market unneccessary.  I'd seen documents that are 5 years old still floating in the market.

For DPLC, no documents will be released unless you can show proof that you have a genuine case and that the borrower's bank agrees to act as the guarantor and collection bank by issuing a LOI.

If you have such needs, please Click Here to complete the form to contact us.

 

 


Letter of Credit Facilities

If your company is unable to get credit facilities for your trading needs, we can issue the letter of credit on your company behalf to your seller.  This will be a back to back L/C deal.

Please note that you need to have a seller and a buyer.  Example you trade in machinery and you have found a supplier from China to supply and you have a buyer for the machinery in Malaysia.  You don't have the L/C facilities from your banker.  We can issue a L/C to your supplier in China but the buyer MUST ISSUE the L/C to our principal's name who has the L/C facilities.

Depending on the type of deals and the complexity, we will levy a fees for this facilities.
Therefore your markup margin must be sufficient to cover our charges plus all bank charges and your profits. 
 
The principal is very experienced in trading as they have been trading all over the world for years and has L/C facilities.  And they have been helping other SMEs to bridge the financial gap.
 
Please note that we will not accept all L/C application as some deals are deemed to be high risk which we will not take.
 
If you have such needs, please Click Here to complete the form to contact us.

 

 

 

 

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Testimonial
"Lawrence is not only a good friend but also a good mentor.  My business has benefited greatly from his advices. He can think out of the box to provide solutions to financial problems."

- Joe Tan, Singapore

"Thanks to Lawrence's advises, we are able to get a bank loan for $250,000."

- Mdm Anna Yeo, Singapore 

 

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