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Finding the right lenders for small business loans in Singapore can be challenging, especially with so many banks, financial institutions, and licensed moneylenders offering similar products.
At ROSHI, we make the process easier by presenting a carefully selected list of lenders that serve SMEs and microbusinesses. Our platform matches you with lenders based on your business profile, industry and loan requirements. This removes guesswork and helps you secure funding quickly. Whether you are launching a startup or expanding an existing company, our lender-matching system connects you with institutions that understand the unique needs of small businesses.
ROSHI helps you compare and apply for the most suitable small business loans all in one place. Our comparison engine considers key factors such as interest rates, repayment flexibility, processing speed and eligibility requirements.
Instead of submitting applications blindly you receive personalized loan recommendations that reflect your business goals and financial standing. We give entrepreneurs the tools to make confident borrowing decisions with complete transparency so you can focus on growing your enterprise while avoiding unnecessary paperwork.
ROSHI supports Singapore’s SMEs by offering a smarter way to obtain financing.
From working capital loans to equipment funding and invoice factoring, our tools and specialists help entrepreneurs find practical and flexible solutions. We guide you through government-backed options, private financing and blended packages that fit your stage of growth. With insights tailored to Singapore’s regulations and business environment, you receive expert guidance that is both strategic and locally relevant.
When cash flow is tight, timing is critical. ROSHI connects SMEs with quick small business loans that provide same-day or next-day approval
Our platform pre-screens applications and directs them to lenders known for efficient processes with minimal paperwork. Unexpected expenses or sudden opportunities can arise at any time and our system keeps you informed with real-time updates and alerts. No long waits or complicated procedures - only fast and reliable access to the funds your business needs.
| Lender | Annual Interest Rate | Processing Fee | Annual Fee | Monthly Repayment |
|---|---|---|---|---|
| Anext | 7%-10% | 1% or S$200 | No | $2,970.18 |
| DBS | 7% | 1% | No | $2,970.18 |
| Maybank | 7%-10% | 1-2% | No | $2,970.18 |
| OCBC | 7% | 1-2% | No | $2,970.18 |
| Orix | 8.5 % | 1-2% | No | $3,077.48 |
| Ethoz | 7-10% | 1.25% | One time off $1,500 Commitement Fee | $2,970.18 |
| Funding Societies | 9.6 % | 4% | No | $3,157.61 |
| SCB | 9.00 % | 1-3% | $288 | $3,113.75 |
* Rates Updated 15 Jan 2026 - Loan Amount Example S$150,000 In 5 Years
Small business loans in Singapore are purpose-built financing options created to support Small and Medium Enterprises (SMEs) across different industries. These loans meet a wide range of needs, from daily operations and payroll to inventory purchases or business expansion. Whether you run a tech startup, a retail outlet or an F&B business, business financing can provide the cash injection needed to stay agile and competitive.
Lenders usually review the company’s financial track record, monthly revenue and business duration to determine loan eligibility and terms. Loan amounts may range from a few thousand dollars to several hundred thousand, with repayment periods that typically fall between six months and five years. Interest rates vary according to the type of lender. Banks often provide lower rates with stricter requirements while licensed moneylenders offer more flexible criteria with faster processing times.
Government initiatives such as the Enterprise Financing Scheme (EFS) and the rise of digital lenders give SMEs greater access to tailored loan solutions. Many of these financing options are unsecured, meaning no collateral is required, which makes them suitable for smaller businesses with limited assets.
A small business loan is more than just capital. It can become a stepping stone toward resilience, growth and long-term sustainability.
A small business loan provides entrepreneurs and SME owners with quick access to working capital. In Singapore, these loans are offered by banks, financial institutions and licensed moneylenders to meet the needs of both startups and established companies.
Typical loan amounts range from S$5,000 to S$500,000 depending on the business’s financial health, credit history and monthly turnover. Funds can be used for various purposes such as purchasing equipment, restocking inventory, covering marketing expenses or managing cash flow.
Most small business loans in Singapore are unsecured, which means no physical collateral is required. Instead, lenders evaluate the borrower’s business performance and ability to repay. Repayment periods usually span six to sixty months. Interest rates may range from five to fifteen percent per year depending on the lender and the risk profile.
Unlike personal loans, business financing may include structured repayment terms, early repayment options or customized disbursement plans. Some lenders integrate with Singpass Myinfo Business to streamline applications and speed up approval.
Small business loans provide a reliable and scalable financing solution, enabling entrepreneurs to concentrate on growth, innovation and long-term profitability.
A small business loan is a type of financing designed to support SMEs (Small and Medium Enterprises) with operational or expansion needs. These loans can be offered by banks, licensed moneylenders or government-supported institutions, each providing different repayment terms and interest rates.
Eligibility usually depends on factors such as valid business registration in Singapore, a minimum operational period of six to twelve months, steady revenue and a clean credit history. Some lenders may also require the business owner to be a Singapore citizen or permanent resident.
Loan amounts vary by lender. SMEs in Singapore can generally borrow between S$5,000 and S$500,000 depending on their financial profile, creditworthiness and loan purpose.
You typically need to provide the following:
• ACRA business profile
• NRIC of directors or shareholders
• Recent bank statements for the past six months
• Financial reports such as Profit and Loss and Balance Sheet
• Business tax returns
Approval timelines differ. Some licensed moneylenders or alternative financiers may approve loans within twenty-four to forty-eight hours, while traditional banks may take up to one to two weeks due to more detailed evaluations.
Yes. Under the Enterprise Financing Scheme (EFS), eligible SMEs can access working capital loans with government risk-sharing support. These are available through participating financial institutions.
Lenders evaluate your business’s financial health through documents such as bank statements, profit and loss reports and cash flow statements. Keeping these records up to date strengthens credibility and speeds up loan approval.
Whether it is your personal credit score or your business credit profile, a healthy score increases the chance of securing loans with favourable terms. Aim for consistent repayments and avoid high credit utilisation.
Clearly define how you plan to use the loan, for example inventory expansion, staffing or equipment upgrades. This approach helps you borrow responsibly while reassuring lenders about your intent.
Explore options from banks, licensed moneylenders and alternative financiers. Different providers offer varied interest rates, repayment tenures and processing fees, so use a business loan comparison platform to identify the most suitable deal.
Provide accurate business information along with full disclosure of outstanding debts or obligations. Transparency builds trust and helps prevent processing delays or rejections.
Understand key details such as interest rates, early repayment penalties, disbursement method and late payment fees. Always read the fine print to ensure the terms align with your cash flow and repayment capacity.
Mastering your loan moves starts with understanding the real cost of borrowing. We believe in empowering you with the right knowledge to make smart financial choices, not quick fixes that lead to debt traps. Our commitment is helping you borrow wisely and stay in control of your money.
Read Our Borrowing Guide
.Don't be a fool! #roshi #singapore #lending #borrowing
Trust the original! #roshi #singapore #lending #borrowing
.Don't be a fool! #roshi #singapore #lending #borrowing
Trust the original! #roshi #singapore #lending #borrowing
.Don't be a fool! #roshi #singapore #lending #borrowing
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