Quick funding, as facilitated by Greystone Advisory, emerges as a powerful solution, providing businesses with the financial agility needed to navigate challenges and seize opportunities.

What is Quick Funding?

Quick funding refers to the swift and efficient process of obtaining financial support for businesses, allowing them to access the required funds in a short period.

Why Quick Funding is Best for SMEs

Speedy Decision-Making

In the fast-paced business environment, decisions need to be made swiftly. Quick funding ensures that SMEs can access financial support without enduring lengthy approval processes, enabling them to seize time-sensitive opportunities.

Addressing Urgent Needs

Businesses often encounter unforeseen expenses or sudden opportunities that require immediate financial attention. Quick funding provides SMEs with the flexibility to address urgent needs promptly, preventing disruptions to operations.

Capitalizing on Opportunities

In the competitive business landscape, being able to capitalise on market opportunities can set SMEs apart. Quick funding empowers businesses to act promptly, whether it’s expanding operations, launching a new product, or investing in marketing initiatives.

Maintaining Cash Flow

SMEs rely heavily on maintaining healthy cash flow. Quick funding ensures that businesses can bridge gaps in cash flow, meeting financial obligations such as paying suppliers, covering operational expenses, and managing day-to-day finances.

Flexible Repayment Options

Greystone Advisory understands the importance of flexibility in loan repayment. SMEs can benefit from tailored repayment schedules that align with their cash flow cycles, ensuring that the burden of repayment is manageable.

How Greystone Advisory Provides Quick Funding

Greystone Advisory acts as a crucial bridge between SMEs seeking quick funding and legal lending entities offering private money loans. The process is simple and effective:

Online Application

SMEs can initiate the process by filling out an online application on the Greystone Advisory platform. The application captures essential details required to match businesses with suitable lenders.

Efficient Matching

Greystone Advisory leverages its network of legal lending companies or institutions, ensuring a seamless and efficient matching process. Businesses are connected with lenders whose offerings align with their financial needs.

Swift Approval

Greystone Advisory prioritises quick approval, ensuring that SMEs receive a decision promptly. This expedites the overall funding process, allowing businesses to move forward with their plans without unnecessary delays.

Fast Disbursement of Funds

Once the loan is approved, Greystone Advisory ensures the rapid disbursement of funds. This timely disbursement empowers SMEs to deploy the funds where they are needed most, ensuring a quick and effective response to business requirements.

Frequently Asked Questions

What is Quick Funding?

Quick Funding refers to the expedited process of obtaining financial support for businesses. In the context of Greystone Advisory, it involves swift approval and disbursement of funds, allowing SMEs to access the capital they need promptly.

How Do I Apply For Quick Funding with Greystone Advisory?

Applying for Quick Funding through Greystone Advisory is a straightforward process. Visit our online platform, complete the application form with essential details, and submit it. Greystone Advisory will then connect you with legal lending companies or institutions, streamlining the process for quick approval and fund disbursement.

Why Should I Choose Greystone Advisory For Quick Funding?

Choosing Greystone Advisory for Quick Funding offers several advantages. As a dedicated loan broker, Greystone connects businesses with reputable legal lending entities, ensuring efficient matching, quick approval, and fast disbursement of funds. The platform’s commitment to transparency, flexibility in repayment options, and a personalised approach make it a reliable choice for SMEs seeking quick funding solutions.

Situation 1	BANK’S REPOSSESSION
Deal Type	Refinancing with Fresh Cash-Out
Property	3 Bedroom Condo along Meyer Road
Property Value	$3.2M
New Loan Amount	$2.4M (with fresh cash-out of $500K)
LTV	75%
Synopsis	Customer, age 51, a senior marketing director in the food logistics industry, was being retrenched in August last year without any prior notice. With his wife being a full-time homemaker, he found himself soon having difficulties in servicing his mortgage repayments, resulting in the bank taking steps to repossess the property for a mortgagee sale within a short span of 6 months. Despite only having a $1.4M outstanding mortgage with $600K of CPF usage, the bank was unable to grant him additional cash-out facilities to tide him through this challenging period, as he couldn’t pass the 55% TDSR threshold in the absence of regular reported income.
Solution (1)	Luckily, the customer managed to find us in time and we eventually saved his house from being repossessed. Arranged our private property lender to grant a $2.4M mortgage loan, out of which $1.4M to redeem his existing mortgage, $600K to refund to CPF with remaining $400K fresh term loan for his personal use, which includes servicing of the monthly instalments with the new private lender.
Solution (2)	The customer managed to find a new employment sometime in March this year. We had since successfully helped the customer to refinance the $2.4M from the private lender sometime in September this year.

Situation 3	INHERITANCE DISPUTES
Deal Type	To finance purchase of sibling’s share in the property
Property	Sem-Detached house along Jalan Seaview
Property Value	$$7.5M
New Loan Amount	$2.8M
LTV	37.5%
Synopsis	Customer, age 62, had jointly inherited the above fully-paid property together with his sister when their father passed away sometime in June last year. Both siblings were at constant disagreements regarding the sale of the property. Customer had always wanted to keep the property for future capital appreciation and his sister was in favour of selling the property so that she could use the sales proceeds to fund her new condo purchase.
Solution (1)	Unable to reach a consensus, the Customer then wanted to buy over his sister 50% equity stakes in the property (valued at $3.75M). Customer was unable get the bank to finance his part purchase exercise as he cannot meet the TDSR requirement and loan tenure. We then managed to get our private lender to finance his purchase of his sister’s share with a $2.8M loan (with a 75% LTV against the $3.75M purchase price)
Solution (2)	Separate financing had also been arranged for the remaining $950K cash difference (being the balance of the remaining 25% purchase price), which was secured by pledging part of Customer’s 50% stakes in the property as well.

Situation 2	BANKRUPTCY LAWSUIT
Deal Type	Refinancing with Fresh Cash-Out
Property Type	Detached House in Newton Area
Property Value	$14M
New Loan Amount	$10M
LTV	71.4%
Synopsis	Customer, age 72, was facing one of the biggest challenges as a veteran businessman, when one of his suppliers had filed a bankruptcy application against him (being the guarantor for his group of F&B companies). After successfully obtained the court judgement for a claim-sum of $1.9M, the customer was eventually given 2-month timeline to settle the payment, failing which he would be in imminent danger of being declared a bankrupt, thus crumbling his business empire which he had built for decades. Despite only having an outstanding mortgage of $7.5M (with a 53.5% LTV against its $14M valuation), no bank is willing to explore the fresh financing in view of his age and more importantly, the pending bankruptcy lawsuit.
Solution	Secured a $10M financing (@ 71.4% LTV from a non-bank lender, out of which $8.5M was to redeem his existing bank loan with another $1.9M to be earmarked to be paid to the supplier on the agreed deadline. Remaining $600K was disbursed to the Borrower for his personal use. With the payment made to the supplier and eventual complete withdrawal of the bankruptcy application, we have thus successfully helped our customer to avert the disaster of being made a bankrupt at this age and he can now refocus on rebuilding and restructuring his other business portfolio

Challenge 6	MULTI-PROPERTIES OWNER
Deal Type	Refinancing (with fresh cash-out)
Property	Good Class Bungalow (“GCB”) in Holland vicinity
Property Value	$70M
Existing Mortgage	$28M
New Loan Amount	$50M (with fresh $22M cash-out)
LTV	71.4%
Synopsis	At the age of 60, our borrower stood as a seasoned property investor with a remarkable portfolio of prestigious GCBs and luxurious Sentosa Bungalows. His journey was a testament to years of astute investment decisions. However, even a seasoned investor can face hurdles. Despite his impressive corporate and professional profile, the ever-evolving TDSR regulations had cast a shadow over his aspirations for further financial growth. His own bank had to adhere to these stringent regulations, leaving him unable to access additional facilities.
Solution	With determination and creativity, we set out to secure a $50 million mortgage loan from a non-bank lender. What made this solution stand out was the 18-month interest servicing repayment plan. Now equipped with fresh capital, our borrower could breathe new life into his retail business, expanding it like never before with a $22 million cash-out facility. But our assistance didn’t stop there. We successfully guided the borrower in refinancing the mortgage loan back to a local private bank just nine months after the initial disbursement. This win is a narrative of resilience and adaptability.

Challenge 3	POOR CREDIT GRADING
Deal Type	Refinancing with Fresh Cash-Out
Property	Bungalow in Katong
Property Value	$9M
Existing Loan	$5M
New Loan Amount	$7.5M (with fresh $2.5M Cash-Out)
LTV	83.3%
Synopsis	At 62 years old, our customer faced a roadblock. His aspirations for additional mortgage financing hit a snag as his bank hesitated due to both his age and an unfavorable “HH” credit bureau rating. This rating was a result of overdue credit card facilities amounting to a hefty $1.2 million.
Solution	With a determined spirit, we sought out an alternative path. Through our network of non-bank lenders, we secured a remarkable $7.5 million term loan facility. It was not just a financial transaction; it was a lifeline. The first step was to use $2.5 million of this fresh term loan to clear off the burdensome $1.2 million in overdue credit card facilities. It was a moment of relief, a chance to leave the past behind. But that was not all. The remaining funds were now at our customer’s disposal for personal investments, a fresh start to chase new dreams. This story encapsulates our commitment to finding solutions when doors seem closed. .