Business Term Loan in Singapore

Flexible Financing for SMEs

Secure working capital with repayment terms up to 5 years tailored to your business needs. Compare lenders and get the best rates.

Interest Rate:
As low as 0.65% per mth, up to 3% per month

Subject to credit assessment

Tenor:
3 months – 5 years

Subject to credit assessment

Loan Amount:
S$50,000 – S$1 mil

Subject to credit assessment

Business Term Loan in Singapore

Flexible Financing for SMEs

Secure working capital with repayment terms up to 5 years tailored to your business needs. Compare lenders and get the best rates.

Loan Amount:
S$5,000 – S$1 mil

Subject to credit assessment

Interest Rate:
As low as 0.85% per mth

Subject to credit assessment

Tenor:
3 months – 5 years

Subject to credit assessment

Find the right business term loan with our network of lenders

What is a Business Term Loan?

A business term loan is a financing solution that provides SMEs with a lump-sum amount upfront, repaid over a fixed tenure with regular instalments. It is one of the most common forms of SME financing in Singapore, helping businesses with:

  • Working capital needs
  • Business expansion
  • Inventory or equipment purchase
  • Cash flow management

Key Features of Business Term Loans

  • Loan Amount: S$50,000 – S$1,000,000 (depending on lender & credit profile)
  • Repayment Tenure: 3 months – 5 years
  • Interest Rates: From 0.65% per month onwards
  • Approval Time: As fast as 48 hours
  • No Collateral Required: Most loans are unsecured

Estimate

Repayment Calculator

Understanding your monthly repayment is essential to ensure affordability. Use our calculator to estimate your payments and explore the options available to you.

Enter total amount you wish to borrow.
8
1.0%

*This calculator is for demonstration purposes only. Values are rounded up to the nearest dollar.

Principal
145,000 SGD
Interest
6,601 SGD
Total Payable
151,601 SGD
Admin Fee (3%)
(Deducted upfront from loan disbursement)
4,350 SGD
Monthly Repayment
18,951 SGD

Qualify

Eligibility Criteria

Business registration

Incorporated in Singapore (including LLP, Sole proprietorship)

Business ownership

At least 30% of the company owned by Singaporeans / PR

Credit of shareholders

No existing default records

Period of Business Operations (from date of incorporation)

At least 3 months of operating revenue

Steps

Get Financing in Just 3 Steps

Single application to get offers across various lenders, transparent rates, and dedicated support at every step.

1

Submit Your Application

Provide basic company & financial details

2

Compare Offers

Get matched with lenders offering the most competitive terms

3

Receive Funds

Once approved, funds are disbursed directly into your account

FAQ

Frequently Asked Questions

There are fees involving which typically comprises of processing fees of 1 to 3% of the loan amount.

The term loan facility is usually approved from half a year up to 5 years upon approval.

On average, it takes about 2 business days up to 2 weeks, subject to all the required documents being submitted.

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