Secured Financing

Maximize Loan Amounts with Asset-Backed Lending

Secured financing allows companies to leverage valuable business assets such as commercial property, land, or equipment to access higher loan amounts at better rates. This is especially effective for businesses with fixed assets but limited cash flow or those planning significant capital expenditure.

When to Choose Secured Loans:

Common Assets Used as Collateral:

Factory or industrial units
Shophouses or office spaces
Residential investment properties
High-value machinery or fixed production equipment
Vehicles or logistics fleets (limited cases)
Computers, printing, or medical devices (on equipment leasing basis)

Benefits:

Higher loan quantum (up to 90% of asset valuation)
Lower interest rates compared to unsecured loans
Longer repayment period (up to 5–30 years for property-backed)
Ability to access equity from appreciated property values
Ideal for long-term expansion or acquisition planning

Potential Uses:

Purchasing a new office, showroom, or warehouse
Expanding manufacturing capabilities
Renovating or upgrading existing infrastructure
Paying off high-interest debt with asset-backed refinance
Working capital injection through equity term loan

Things to Know:

A property valuation will be required from a licensed valuer
Quick approval (as fast as 1 working day)
Legal and administrative processing may take 3–8 weeks
LTV (Loan-to-Value) ratio varies based on property type and financial institution
Equipment financing may come under leasing or hire-purchase terms
May involve additional fees for legal conveyancing, fire insurance, etc.

How Dr. Loan Supports You

Evaluate your asset’s lending potential
Guide you on required documents for bank underwriting
Match you with financial institutions that lend against your property type
Coordinate with lawyers, valuers, and bank officers on your behalf
Structure a loan aligned with your repayment capacity and financial goals