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Smart-Towkay.com is a one-stop platform where SME 'towkays' (colloquial term for bosses) can compare

28/08/2024

How to avoid being a victim of credit frauds/scams?

It is no stranger to seeing news on frauds and scam these days. Due to the high utilisation rate and reliance on digital technology to source for information or even going about our day-to-day life, it is no stranger to see news on new victims falling for frauds and scams every day. How will you prevent from credit scams?

Read more in comment.
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Join our engaging Telegram to stay updated on the latest Singapore's news and trends: https://t.me/smarttowkaysg

14/08/2024

🌴 Considering retiring in Malaysia? Recent changes to visa and PR policies are making it a hot topic for Singaporeans. 🇸🇬🇲🇾 Dive into our article to see if Malaysia could be your next retirement destination!
https://www.smart-towkay.com/blog/view/378-is-malaysia-the-next-retirement-destination-for-singaporeans-a-look-at-recent-visa-and-pr-changes
💼✨

12/08/2024

Thinking about taking a business loan? 🤔 Here are the top considerations to keep in mind before you make your decision:
1️⃣ Assess Your Financial Health: Understand your current financial situation and how much you can afford to borrow.
2️⃣ Loan Purpose: Clearly define why you need the loan – whether it's for expansion, equipment, or working capital.
3️⃣ Interest Rates and Fees: Compare different lenders to find the best rates and be aware of any hidden fees.
4️⃣ Repayment Terms: Look at the repayment schedule and ensure it aligns with your cash flow.
5️⃣ Credit Score: Check your credit score as it impacts your loan eligibility and terms.
6️⃣ Collateral Requirements: Determine if you need to provide collateral and if you're comfortable with the risk.
7️⃣ Lender’s Reputation: Research the lender's reputation and read reviews from other business owners.

Make informed decisions and set your business up for success! 💼💪

05/08/2024

Empower your SME with the latest SkillsFuture courses! 🚀 From digital marketing and financial management to cybersecurity and e-commerce, these new offerings are designed to boost your business's growth and efficiency. Equip yourself and your team with the skills needed to stay ahead in today's dynamic market. 🌟📈

02/08/2024

Stay ahead of the curve with the latest regulatory updates in Singapore! 📈 From enhanced data protection under the PDPA to new financial regulations and corporate governance standards, ensure your business adapts to these changes effectively. Keep informed and compliant to thrive in today's dynamic regulatory environment. 🌐📊

01/08/2024

Navigate corporate compliance with ease! 🛡️ Our guide for SMEs covers essential steps to stay on top of regulations, build a robust compliance program, and leverage technology. Ensure your business thrives with effective risk management and expert support. 📊✨

Read more: https://www.smart-towkay.com/blog/view/425-corporate-compliance-in-singapore-guide-for-smes-and-businesses

31/07/2024

Why do employers conduct background screening?

In roles where employees have access to sensitive information or valuable assets, background checks are essential for safeguarding against theft, fraud, or misuse of company resources.

Read more in comment.
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Join our engaging Telegram to stay updated on the latest Singapore's news and trends: https://t.me/smarttowkaysg

30/07/2024

Corporate Compliance in Singapore: Guide for SMEs and Businesses

Corporate compliance encompasses a broad spectrum of legal, ethical, and regulatory obligations that businesses must adhere to. It involves establishing and maintaining internal controls, policies, and procedures to ensure conformity with applicable laws, industry standards, and organizational values. In addition, corporate compliance is a critical component of business success in Singapore.

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Join our engaging Telegram to stay updated on the latest Singapore's news and trends: https://t.me/smarttowkaysg

26/07/2024

💡 Debunking Business Finance Myths 💡

Understanding the realities of business finance is crucial for small business owners. Let's bust some myths:

1️⃣ Myth: All debt is bad.
Reality: Properly managed debt can be a powerful growth tool.

2️⃣ Myth: Only large businesses need financial management.
Reality: Small businesses need it too for sustainability and growth.

3️⃣ Myth: Profit equals cash flow.
Reality: Profit doesn't mean cash flow is healthy. Cash flow issues can still arise.

4️⃣ Myth: Business loans are hard to get.
Reality: Various funding options are available, like government grants and microloans.

Stay informed and make smart financial decisions for your business! 💪📊

24/07/2024

🌟 Unlock the Power of User-Generated Content! 🌟

Small business owners in Singapore, are you looking to enhance your brand’s authenticity and boost engagement? Here’s why User-Generated Content (UGC) could be a game-changer for you:

1️⃣ Genuine Connections: UGC reflects real customer experiences, making your brand more relatable and trustworthy.

2️⃣ Smart Savings: Cut down on marketing expenses by featuring the content your customers create—think reviews, photos, and more!

3️⃣ Community Building: Create a sense of belonging and loyalty by engaging with the content your customers share about your brand.

4️⃣ Spark Creativity: Encourage your customers to get creative with their content, and consider hosting challenges to inspire even more engagement.

Ready to see how UGC can elevate your business? Start inviting your customers to share their stories and tag your brand! 📸💬

19/07/2024

🌟 What's the biggest challenge you're facing in starting your own business?

A) Finding funds 💸
😎 Creating a business plan 📈
C) Marketing your product 📣
D) Other (comment below!) 📝

We'd love to hear from you! Share your thoughts and let's tackle these challenges together. 💪

18/07/2024

🚀 Did you know that 90% of small businesses succeed with the right financial support?

Unlock the full potential of your business with our quick and easy loan application process. Here’s how financial support can make a difference:

1️⃣ Boost Your Start-Up Capital: Get the funds needed for equipment, inventory, and marketing to launch your business successfully.

2️⃣ Maintain Cash Flow: Ensure smooth operations by managing day-to-day expenses and payroll, even during slow periods.

3️⃣ Invest in Growth Opportunities: Seize the moment to expand your product line, enter new markets, or scale your operations with the necessary funds.

4️⃣ Build Credit History: Secure a loan, make timely repayments, and build a strong credit profile for future funding opportunities.

Start your journey towards success today with our seamless loan application process! 💼🌟

17/07/2024

Starting a small business can be daunting, but we're here to help! 🚀 Here are 5 essential tips to kickstart your entrepreneurial journey:

Identify Your Niche: Find what makes your business unique. What problem are you solving, and how are you different from the competition? A clear niche will help you stand out in the market.

Research Your Market: Understanding your target audience is crucial. Conduct thorough market research to know their needs, preferences, and pain points. This will guide your product development and marketing strategies.

Create a Solid Business Plan: A well-thought-out business plan is your roadmap to success. Outline your business goals, strategies, financial projections, and marketing plans. This will not only keep you on track but also attract investors.

Network with Like-Minded Individuals: Surround yourself with other entrepreneurs and industry experts. Attend networking events, join business communities, and seek mentors. Networking can provide valuable insights, support, and opportunities.

Apply for Business Loans to Fuel Your Growth: Financial support is often the key to turning your dreams into reality. Our fast and seamless loan application process makes it easier than ever to get the funds you need to grow your business.

Remember, every big business started small. Take these steps to lay a strong foundation for your future success! 🌟💼

11/07/2024

Let’s discuss how we can make the process smoother for you! 🚀💼 You can DM us, or drop us an email if you're shy 👉🏻👈🏻

10/07/2024

Low revenue? Dont worry!

Swipe to find out what are the options available in the market where only CBS and NOA assessment is required for your business loan application!

09/07/2024

Wondering what criteria banks assess when reviewing your loan application? 🏦

Swipe to see some key factors they consider!

Follow for more tips on securing business loans! 💵

04/07/2024

Stay ahead of the curve and make your small business a great place to work! 💼✨

For more insights, check out the full articles from The Straits Times and CNA.

03/07/2024

Discover the top trends shaping Singapore’s SME landscape in 2024: digital transformation, FinTech, cybersecurity, and more! Stay ahead of the curve and drive your business forward.

02/07/2024

Stay ahead of the competition by implementing these strategies today!

What other growth strategies have worked for your business? Share in the comments below!

27/06/2024

Andddd we’re back with another game!!

Try this and let us know in the comments, did your business survive till the end? 🫢

26/06/2024

Are you a small business owner in Singapore?! Share with us; do any of the above challenges resonate with you? Or what other challenges are you facing?

25/06/2024

Should I payoff my mortgage early? Or not 🤔

Read more : https://www.smart-towkay.com/blog/view/405-comprehensive-guide-to-benefits-and-drawbacks-of-early-mortgage-payoff-in-singapore

21/06/2024

Let’s learn how to avoid financial pitfalls from Inside Out 2 Characters!

Love the movie, and now learn from it ✨

20/06/2024

Should I Switch My Corporate Secretary Partner?

Is it time to switch to an experienced corporate service provider as your corporate secretary partner to ensure your company’s compliance with Singapore company law and to better guide the directors of the company?

Read more in comment.
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Join our engaging Telegram to stay updated on the latest Singapore's news and trends: https://t.me/smarttowkaysg

20/06/2024

Ever heard of guarantor/personal guarantor (PG)? Read to find out what it means to be one!

Read more: https://www.smart-towkay.com/blog/view/308-who-acts-as-a-guarantor-in-a-business-loan-a-detailed-legal-advice-before-you-become-a-loan-guarantor

19/06/2024

Still have questions? DM us!

Read more: https://www.smart-towkay.com/blog/view/279-complete-guide-to-buying-commercial-property-in-singapore

18/06/2024

Actually, just ask your banker/broker to calculate for you 🤫

The key takeaway is, Effective Interest Rate (EIR) > Simple Interest! EIR factors in compounding, giving a true cost or return. Perfect for comparing loans & investments accurately. 🏦📈

12/06/2024

DM/Email us to find out more 🤭

Disclaimer: The above joke is purely intended for humorous purposes and should not be taken as a reflection of the company’s values or practices. It’s all in good fun and meant to spread smiles, not to offend. 🫶🏻

11/06/2024

Will you do it? 🤔

Starting a business with a friend can be a rewarding experience, but it also comes with its own set of challenges 😮‍💨

Address

114 Lavender Street, Court HUB #07/77
Singapore
338729

Opening Hours

Monday	10:00 - 18:00
Tuesday	10:00 - 17:00
Wednesday	10:00 - 18:00
Thursday	10:00 - 18:00
Friday	09:00 - 18:00

Telephone

+6588288147

Website

http://www.smart-towkay.com/

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Videos

🚀 Did you know that 90% of small businesses succeed with the right financial support?Unlock the full potential of your business with our quick and easy loan application process. Here’s how financial support can make a difference:1️⃣ Boost Your Start-Up Capital: Get the funds needed for equipment, inventory, and marketing to launch your business successfully.2️⃣ Maintain Cash Flow: Ensure smooth operations by managing day-to-day expenses and payroll, even during slow periods.3️⃣ Invest in Growth Opportunities: Seize the moment to expand your product line, enter new markets, or scale your operations with the necessary funds.4️⃣ Build Credit History: Secure a loan, make timely repayments, and build a strong credit profile for future funding opportunities.Start your journey towards success today with our seamless loan application process! 💼🌟#BusinessSuccess #FinancialSupport #SmallBusiness #Entrepreneurship #StartupGrowth #BusinessLoans

Why do small businesses fail/suffer in Singapore 🤔🇸🇬 Are you a business owner in Singapore? Do these apply to you? Share with us more in the comments section! #sgbusiness #businesstips #business101 #sgsmallbiz #tiktoksg🇸🇬 #foryoupage #smallbusiness #sgsmallbusiness

Progressive Wage Credit Scheme (PWCS) for employers✨ Receive co-funding support from the Government simply by uplifting lower wage workers! For more information, please email [email protected] #sp by Singapore Business Federation (SBF) #sgbusiness #sgsme #businesstips #business101 #smallbiz #sgsmallbiz #pwcs #singaporebusinessfederation

💰 All about Singapore Deposit Insurance Corporation (SDIC) w.e.f 1st April 2024 👉🏻More info on our blog: https://www.smart-towkay.com/blog/view/419-all-you-need-to-know-about-singapore-deposit-insurance-corporation-sdic-wef-1st-april-2024 Or Link in Bio ☺️ #sgbusiness #sgsme #SDIC #smallbusinesssg #businessupdates

3 reasons why we think SMEs should have more than 1 business bank account! 👉🏻 Read more: https://www.smart-towkay.com/blog/view/416-sme-matters-why-smes-in-singapore-should-consider-having-multiple-business-bank-accounts #sgbusiness #businesstips #businessaccount #corporateaccounts #sgsme

We’re back with FAQ part 2! 😎 On roles and responsibilities of Directors/Shareholders in a company Have other questions? Drop us a message or leave it in the comments section! See you in the next one ✌🏻More videos like this on TikTok @ towkaypeople #sgbusiness #businesstips #businessfaq #faq #sgsmallbusiness #smallbusinessowner #businessquestions

What happens when you miss your loan payment?? Watch to find out! 🤔 #sgbusiness #businessloans #businessgrowth #SMELoan #businessowner #businesstips #Bankloans

6 Important updates from Singapore MOM in just 60 seconds 😎 Ready? Let’s go! Follow us on Tik Tok (@ towkaypeople) for more videos like this! #singaporebusiness #ministryofmanpower #businessupdates #smallbusiness

Why do my loan applications keep getting rejected?! Watch to find out our top 8 possible reasons. More information can be found on: https://www.smart-towkay.com/blog/view/144-8-possible-reasons-why-your-sme-business-loan-may-be-rejected [Disclaimer: This video provides general advice and personal opinions—apply to your specific situation as circumstances vary] #sgsmallbusiness #sgbusiness #businessloans #sgbusinessloan #smallbusinessloans #bankloans

Learn the secrets of securing business loans with low or smallish revenue in Singapore!🤫 What are the options in the market, and what do they offer? More information can be found on: https://www.smart-towkay.com/.../414-how-to-get-small... See our TikTok Channel for more SME Singapore related Videos! https://www.tiktok.com/@towkaypeople [Disclaimer: This video provides general advice and personal opinions—apply to your specific situation as circumstances vary] #sgtiktok #sgbusiness #sgsmallbusiness

Welcome to Towkay University!! ✨🙌👨‍🎓📖🧑‍🏫🎓 In this series, Ms. Charmian (@charmiantyx) will cover financial topics in Singapore, with a special focus on SMEs & helping you become the best Towkay you can be! 🫡🔥 Stay tuned for Episode 1, dropping soon at The Towkay People !!! 😜