The article discusses how small and medium-sized businesses in Singapore often struggle to access traditional bank loans, leading them to use alternative lending options like factoring and accounts receivable financing. These methods help companies turn their unpaid invoices into immediate cash, providing much-needed working capital. Factoring is particularly beneficial for industries like textiles, electronics, plastics, and more. The key is for the lender to carefully select clients to ensure they are reliable and not engaging in shady practices.