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 8 years of experience in the financial sector, 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.

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

A growth achiever with over 14 years of experience in business management, marketing, and design, Jamie is the Assistant Lead Consultant leading the business marketing team as Creative Director. 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, branding consultancy, strategic marketing consultancy and many more.

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

Why Working Capital Loan is the BEST OPTION for SMEs in Singapore within 2023

Why Working Capital Loan is the Best Option for SMEs in Singapore within 2023

Working capital loan (WCL) is a business loan provided by Singapore Government to help you boost your business performance. With this capital financing, you may stabilize cash flow, invest in new projects and business opportunities, take advantage of early payment discounts offered by suppliers, and or improve cash collection from debtors.

This type of loan is usually non-secured, in which means that—unlike property term loans or equipment financing loans—you don’t have to put up collateral for the full amount you borrow. The flexibility of unsecured financing enables SMEs in Singapore to grow their business without pledging assets such as private home or factory equipment, and the term that a WCL offers is between 3 months to 5 year event hough some lenders allow repayment based on your actual cash flow and need within the period of loan.

Various Purposes of Working Capital Loan Singapore

Aside from boosting performance, working capital loan can also be used for various purpose, including:

  • Increasing cash flow over pandemic
  • Securing inventory and supplies
  • Acquiring assets such as machinery, vehicles, or other productives.
  • Immediate expense usage
  • Managing debtors
  • Taking advantage of early payment discounts/programs offered by suppliers

Working Capital Loan Has an Easy Disbursement Process

When you decide to apply for working capital loan, banks will make sure that they have enough information about your business before approving a lending in order to make sure your credit standing and repayment ability of your loan. This can include your financial statements, bank statement, personal credit bureau and business plan.

Disbursement process of WCL is also faster than property or equipment financing as it doesn’t required to place any charge on the collateral. You only need to sign a personal guarantor for the financing and hold them liable as an individual in the event when the loan in defaulted.

sg wysm group 1600x900 1

Why Working Capital Loan is So Popular?

The most important thing about working capital loan in which an unsecured financing, is a type of financing that doesn’t involve the use of any asset or collateral as a security of guarantee. In other words, there’s no collateral against which a working capital loan can be obtained.

This type of financing option has gained popularity among Singapore-based small and medium enterprises as it provides them with flexibility while they are seeking to raise capital for their business operations. It also means that Singapore Government allow them to grow their business without pledging assets such as their home or factory equipments.

Moreover, working capital loan is not a bank overdraft nor has credit history requirements with more flexible repayment terms. Some lenders actually allow repayment based on your actual cash flow and needs within the period of your loan. Repayments may also be done in installments, or in a full a the end of term—whatever works best for your businesses.


If you are running small and medium business, looking for the right type of financing, then working capital loan should be the best answer. The greatest thing about this financing is that it’s flexible enough to fit your needs while also providing you with the cash booster you need to take advantages of any opportunities as they arise. If this sounds like something that might be right up your street, then we would love to hear more from you!

When you’re looking for working capital loan, whether it is for short-term or long-term requirement, Bizsquare Management Consultants can always advise and assist to obtain the best loan option in the market at your best interest.

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.