Junior Loan Advisor

APRICOT STONE PTE. LTD.; Singapore; On-site; SGD 56,000 - 223,000; Full time

Job summary

APRICOT STONE PTE. LTD. is seeking a Junior SME Loan Advisor / Business Financing Consultant in Singapore to drive new business on a pure commission model.

You will engage SME owners, assess financing needs, and present suitable options across term loans, PSG, EDG, invoice factoring, and property loans. This independent contractor role offers uncapped earnings and a structured commission scheme, with training and qualified leads provided.

Qualifications

• Proven sales experience is highly advantageous, particularly in banking, property, insurance, or B2B sales.
• Fresh graduates with a strong sales drive are welcome to apply.
• Possesses an established network of SME clients, business introducers, or referral partners is highly preferred.
• Self-motivated, resilient, and results-oriented; able to work independently in a high-pressure environment.
• Bilingual in English and Mandarin is a plus to liaise with Chinese-speaking business owners.
• Must be residing in Singapore with valid work documents.

Responsibilities

• Proactively identify and engage SME owners and decision-makers.
• Consult with business owners to understand cash flow and financing needs.
• Recommend financing options (term loans, PSG, EDG, factoring, property loans) and structure deals.
• Guide clients through loan applications from documents to disbursement.
• Build and maintain long-term relationships to drive repeat business.
• Ensure activities adhere to procedures and regulations.

Job description

Job Title: Junior SME Loan Advisor / Business Financing Consultant (Full Commission)
Location:Singapore
Employment Type:Full Commission / Independent Contractor
Remuneration:SGD 5,000 – SGD 20,000+ per month (Uncapped Commission)
Industry:Banking & Finance / Loan Brokerage

About the Company

We are a leading financial advisory and brokerage firm dedicated to empowering Small and Medium Enterprises (SMEs) across Singapore. We bridge the gap between business owners and a diverse network of financial institutions, banks, and private funders. Our mission is to provide innovative, ethical, and structured financial solutions—from working capital and trade financing to commercial property loans.

We pride ourselves on being a working partner for life for our clients, moving beyond simple transactions to foster long‑term growth and sustainability.

The Opportunity

We are seeking highly driven, entrepreneurial individuals to join our team. This is a pure full‑commission role designed for top‑tier sales professionals who thrive in a performance‑driven environment.

If you have a knack for sales and a passion for helping business owners grow, this role offers uncapped income potential. While we provide qualified leads and comprehensive training, your success depends on your hunger, hustle, and ability to close deals. Our top consultants consistently earn between SGD 10,000 and SGD 50,000 monthly, with average entry‑level earnings ranging from SGD 70,000 to SGD 120,000 annually, and senior consultants exceeding SGD 400,000 per year.

Key Responsibilities

• Proactively identify and engage SME owners and business decision‑makers through cold calling, networking, referrals, and outreach.
• Consult with business owners to understand their cash flow, expansion plans, and financing requirements.
• Recommend suitable financing options, including Business Term Loans, PSG, EDG, Invoice Factoring, and Commercial Property Loans, and structure deals to optimise approval and quantum.
• Guide clients through the entire loan application process from documentation and submission to negotiation and disbursement.
• Build and maintain long‑term relationships with clients to drive repeat business and referrals.
• Ensure all activities adhere to company procedures and industry regulations.

The Ideal Candidate

• Proven sales experience is highly advantageous, particularly in banking, property, insurance, or B2B sales. Fresh graduates with a strong sales drive are also welcome to apply.
• Possesses an established network of SME clients, business introducers, or referral partners is highly preferred.
• Self‑motivated, resilient, and results‑oriented. Capable of working independently in a high‑pressure, sales‑driven environment.
• Bilingual in English and Mandarin is a plus to liaise with Chinese‑speaking business owners.
• Must be residing in Singapore with valid work documents.

What We Offer

• Uncapped earning potential with the highest commission tiers in the industry and no cap on earnings.
• Attractive commission structure with competitive payout percentages on approved loan disbursement value, depending on performance.
• Qualified sales leads and comprehensive on‑the‑job training to accelerate your success.
• Flexibility to manage your own schedule.
• A collaborative team environment with ongoing support and mentorship.

Join us and be part of a team that fuels the growth of Singapore's economy.