Angeline Lawrence

Business Development Associate

Angeline, a graduate of Binus University in Jakarta, began her career in 2021 as an IT Consultant at PwC. She also has two years of experience in Business Development. Angeline is skilled in identifying how changes and risks affect different stakeholders and is proficient in market research. Throughout her career, she has consulted in various industries, including state-owned companies, entertainment, and mining, building a strong network. Her expertise is in conducting market research for business development and understanding transformations, localization strategies, and risk assessment when entering new markets. With her experience in analyzing stakeholder dynamics and market trends, Angeline is well-equipped to excel in her field. She is fluent in both English and Bahasa Indonesia, and she also has a basic understanding of Hokkien.

Niki Dwi Adityas

Digital Marketing Manager

Niki is a seasoned IT and Digital Marketing professional with a decade of experience in FinTech and E-commerce. His skill set includes website design, optimization, and noteworthy contributions to Loyalty Management Systems for renowned brands such as Shiseido and Gucci. Holding a Bachelor's in E-commerce from STMIK Indonesia, Niki is certified in Microsoft Database, Business Intelligence, and MVC Programming.

He is proficient in PHP, Laravel, WordPress, JavaScript, SQL, and Python, and he combines technical prowess with digital marketing expertise. Niki has successfully collaborated and worked with companies in Indonesia and Singapore, crafting high-conversion digital marketing campaigns. His unique blend of technical and marketing skills positions him as a valuable asset capable of driving success across diverse projects and industries.

Winnie Hoh

Accounts & HR Executive

Winnie's expertise lies in providing highly customized solutions tailored to the unique needs of each client. She excels in guiding SMEs and multinational companies through intricate accounting regulations, ensuring compliance and efficiency. A pivotal team member, Winnie adeptly manages clients' accounting, tax, administrative, and outsourcing needs. Her rich background as an Accounts Assistant Manager spans Malaysia and Singapore, showcasing her expertise in registering businesses, managing transactions, and navigating complex corporate landscapes.

Christy Eugenia

Social Media Manager

Graduating from the Bali Tourism Institute in Indonesia, Christy embarked on her career as a social media specialist in 2017. With over 4 years of experience in the Singapore market and 3 years in the Indonesian market, Christy possesses extensive expertise in developing effective business strategies, digital marketing strategies and managing social media campaigns across various platforms. She has also worked closely with numerous Key Opinion Leaders (KOLs) and influencers from both Indonesia and other countries. With her knowledge and skills as a business consultant, Christy can provide valuable assistance in establishing a strong digital marketing presence in new markets.

El-Given Christy

Chief Designer

El-Given Christy graduated from Maranatha Christian University Bandung and is an experienced branding consultant with over 6 years of experience in Indonesia and 2 years of experience in the Singapore market. She specializes in branding, social media design, and brand localization consultancy.

Throughout her career, El-Given has gained experience providing consultancy for various industries including jewellery retail, food and beverage, hospitality, and more. She is passionate about creating visually appealing designs that help businesses stand out in their respective markets.

Janice Koh

Loans & Partnership Manager

Janice holds a degree in Business Administration Management from PSB Academy. With her background in business administration and 11 year of experience in the financial sector, she was with AMEX before joining Bizsquare in 2021.

Janice is well-equipped to provide strategic insights and recommendations to businesses aiming to enter new markets. Her proficiency in market research, data analysis, and risk assessment ensures that clients receive thorough and reliable assessments to make informed market entry decisions.

She is in charge of business loan analysis, processing, report writing, and business partnerships with funders and our finance clients. With a total of more than 10 years of combined experience in the finance industry, she is a valuable asset to our team and successfully solved many loan-related issues for our clients.

Adela Shienny

Business Development Director

Shienny is an accomplished business development professional with a finance degree from New York University and holding a CFA level 1. She has an extensive experience in marketing and corporate finance, specializing in market research and localization strategies. She is a native Indonesian who has spent over a decade of her academic and professional life in Singapore and the United States, thus possessing a multicultural background and profound comprehension of the cultural intricacies in both Singapore and Indonesia. This unique perspective enables her to provide valuable support to her Singaporean clients in adapting and succeeding in the Indonesian markets.

As a member of the Stellar Women community with international property experience, Shienny has an extensive network in Singapore and Indonesia. Her connections span diverse industries like media, event organizers, food and beverage, investors, and entrepreneurs, making her an excellent business connector.

Additionally, her fluency in English, Chinese, and Bahasa Indonesia gives her a unique advantage in bridging the language gap for international companies, facilitating effective communication between foreign businesses and their Indonesian counterparts.

Jamie Tan

General Manager & Creative Director

Jamie is a creative growth achiever with over 16 years of experience in business management, branding, marketing, and design. Jamie is the Lead Consultant leading the business marketing team as the Creative Director and General Manager of Bizsquare.

As the executive management, she has vast experience in developing and implementing constructive business and marketing strategies for clients across all channels and works closely with the finance department on business budgeting and forecasting.

Jamie has helped many firms in market entry feasibility studies, business matching, consultancy, strategic branding and marketing consultancy, and many more. She is the brain behind the success of many big brands and companies, such as Uncle Ringo, Renee's, Chopstix, and Rice, and many more brands.

She used to be a co-founder and creative director, running her own children's fashion brand for 8 years prior to joining Bizsquare. We believe her all-rounded capabilities will help Bizsquare and our clients strive for better success.

Melvin Ho

Founder & CEO

Melvin Ho, a Practising Management Consultant (PMC), is the CEO of Bizsquare, specializing in Cash Flow Structuring and Business Brand Strategy for SMEs. He holds an MBA from Arcadia University, USA and a Bachelor of Commerce from Murdoch University, Australia.

Melvin founded Bizsquare in 2013 to address the underserved demand for SMEs financial management advice. Over the years, Melvin has provided management consultation to MNCs and government-related bodies. He has since then expanded his services to include branding and marketing, accounting, and business strategy development, offering comprehensive solutions for SMEs. Melvin has built a robust network of business owners across the globe, particularly in Singapore, Indonesia, and Malaysia.

With over 14 years of experience, Melvin's expertise, excellent business acumen and recognition in the industry has driven Bizsquare's customer success in building strong networks internationally. Many Singapore businesses have benefitted from his network. He has a strong team in Indonesia which has helped many Singapore businesses establish networks and partnerships there.

Alongside him is a team of experts dedicated to their respective areas of expertise, providing a comprehensive one-stop solution to clients worldwide.

Biz Content

How to get a business loan in Singapore?

How to get a business loan in Singapore?

How to get a business loan in Singapore?

business loan in Singapore

Been meaning to get a Business loan but unsure of how you should get one? Here's 3 simple options to help guide you through the process.

1.Directly applying online via bank’s website

1.Directly applying online via bank’s website

All you have to do for this option is to simply prepare the documents required from the banks before proceeding to submit a formal request via the respective bank platforms. Afterwards, the company can wait for the approval status to be confirmed by the bank.

  • Benefits

Information your company requires are a click away, which allows research time on the kind of loan package you are seeking for speedy and fast. Applying online to banks is an easy and convenient option since you will be able to apply anywhere at any time. Since there are no middleman fees, this is a cost-friendly option for all companies.

  • Cons

Banks however process huge amounts of transactions on a day-to-day basis. Up to 100 applicants call every day, which leads to an undeniable possibility of your online application being overlooked. In addition, since banks have no commitment nor obligation to reply all applicants, given the large volume of callers every day, there is a probable risk of a no response, which might be troublesome especially when there is no one else you could look for.

Prefer going to a banking branch

2.Prefer going to a banking branch

After heading down to the nearest banking branch and requesting for a loan application, simply fill up the necessary documents and send them to the banker. All you have to do afterwards is to wait for the approval status for the loan application!

  • Benefits

Heading down to the nearest banking branch allows for an opportunity for you to form useful connections since the loan application will be done face-to-face with the banker. Since there is a person you can directly look for to check the loan application status, this option has significantly greater accountability as compared to option 1. In addition, it also consists of no middleman fees and thus, is also a cost-friendly option for all companies.

  • Cons

Bankers are third-party individuals focusing mainly on processing your loan application. There could be differences in interest when the occasion arises. There is also a possibility of a difference in priority alignment since the banker’s allegiance is ultimately towards the bank and is working as a representative of the bank itself. In addition, placing the responsibility on fixated personnel might result in a cause for delay if that said individual goes away on leave or leave the organisation. The risk of bankers delaying or ghosting cases might cause your project to be halted for the time-being.

Business Loan Consultant

3.Look for a Business Loan Consultant

After considering the necessary qualifications your company require for approval, a Business Loan Consultant would go through an analytical process to recognize which packages are suitable for your company, before filling up the form and submitting the necessary documents on your behalf.

  • Benefits

Working with a Business loan consultant is useful as you would have a dedicated person assisting you through the process. Personalisation is one of the key benefits when it comes to this option. Since both parties’ interests are always aligned, your consultant is likely to only charge a fee when the loan application is approved. You can also count on them for their good credit knowledge since the consultant’s expertise enables him to walk you through the application process and suggest favourable loan terms with your company in mind.

  • Cons

It is, however, imperative to beware of overpromising consultants. Inexperienced consultants might lead to a harming of your credit bureau. Poor creditworthiness issues are pertinent to analyse as financials and credit history are important factors in bank’s decision making to approve your loan application. We must also recognise that consultants charge a fee in return for their personalisation services. Thus, it is important to be discerning of the consultant you decide to go for.

business loan

4 Why choose Bizsquare?

To put things simple, we fight for you. We want to add value to your business and rest assured we would not charge fees if we do not add any value to your business. We also pride on practising a Business Credit Doctor concept and strive on being your specialist by conducting a full credit check on your enterprise. In addition, customisation is one of our expertise and we ensure to cater to your needs. Lastly, Bizsquare do not over-promise. You can count on us to give our honest and genuine opinion on the loan package you should opt for.

BizSquare is a one-stop business consultancy firm providing Loan Consultancy Services, Accounting and Corporate Secretarial Services, Branding and Marketing Consultancy, Strategy Management and Start-up Mentorship.

For more info, please visit Bizsquare Group at 

Bizsquare is a one-stop business consultancy firm providing Loan Consultancy Services, Accounting and Corporate Secretarial Services, Branding and Marketing Consultancy, Strategy Management and Start-up Mentorship.