Singapore 1st Business Loan Aggregator| Promotional Mortgage Loan - SMART-TOWKAY Pte. Ltd We create a single platform to provide product information that’s personalized to each SMEs business profile for easy comparison. Through Smart-Towkay, we will make it easy for SMEs to simplify and find alternatives in their business banking needs that are most suited to their business profile. In the process, we save them time and money.