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Debt financing means borrowing money you must repay with interest — a business loan, mortgage, or invoice financing. Equity financing means raising capital by selling a stake in your company to investors — you receive funds without repayment obligations but give up partial ownership. FundWise advises on both: debt products for most SMEs, and equity connections for high-growth companies seeking venture or growth capital.

Revenue-based financing (RBF) is a form of business financing where repayment is structured as a percentage of monthly revenue rather than a fixed monthly sum. If your revenue is $100,000 in a good month, you repay more. If revenue drops to $40,000, you repay less. RBF is suited to businesses with variable revenue and strong gross margins. It's available in Singapore through select alternative providers.

Yes. Debt consolidation combines multiple existing loans into a single facility — often at a lower blended interest rate and with a simplified single repayment. It's particularly useful for businesses that have accumulated multiple short-term facilities at high rates. We assess whether consolidation makes financial sense for your specific debt structure.