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Business Loan Relay

At Wiser Solutions, we specialize in unlocking the right financing solutions for small and medium enterprises. Whether you’re managing cash flow, expanding operations, or securing trade opportunities, our tailored SME loan products empower your business to thrive.

Types of SME Loan

Whether you’re bridging cash flow gaps, expanding operations, or securing trade opportunities, our SME loans—including overdrafts, term loans, and tradelines—are designed to provide flexibility, scalability, and peace of mind.

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Overdraft Facility

Flexibility When You Need It Most

A revolving credit line linked to your business account, allowing you to withdraw funds up to an approved limit—even if your balance hits zero.

 

  • Instant liquidity for unexpected expenses or short-term gaps.

  • Pay interest only on the amount used, not the full limit.

  • No collateral required (for unsecured overdrafts).
    Ideal For:

  • Covering payroll during seasonal dips.

  • Managing inventory purchases or urgent repairs.

  • Bridging cash flow gaps between receivables and payables.

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Term Loan

Invest in Your Business’s Future

A lump-sum loan with fixed repayment terms, designed for strategic, long-term investments.

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  • Structured repayments (monthly/quarterly) over 1–10 years.

  • Competitive interest rates, often lower than overdrafts.

  • Collateral options (e.g., equipment, property) for better terms.
    Ideal For:

  • Expanding facilities or purchasing machinery.

  • Launching new product lines or entering new markets.

  • Refinancing high-cost debt to reduce expenses.

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Tradelines (Trade Finance)

Secure Global Opportunities, Minimize Risk

Financing solutions tailored for domestic and international trade, including letters of credit, invoice financing, and purchase order funding.

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  • Mitigate risk with guaranteed payment to suppliers/buyers.

  • Unlock working capital tied up in unpaid invoices.

  • Support cross-border transactions with currency flexibility.
    Ideal For:

  • Importing raw materials or exporting finished goods.

  • Ensuring suppliers get paid upfront while you defer costs.

  • Building trust with new international partners.

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Why Partner with Wiser Solutions for SME Loans?

  • Tailored Solutions: We analyze your business model, cash flow, and growth stage to recommend the right mix of products.

  • Speed & Efficiency: Fast approvals—get funds in days, not months.

  • Negotiation Expertise: We secure higher overdraft limits, lower rates, and flexible terms you won’t find on your own.

  • End-to-End Support: From application to compliance, we handle the paperwork so you can focus on your business.

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