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Navigating the world of small business loans can feel overwhelming for new entrepreneurs. At ROSHI, we simplify the process with comprehensive loan comparison tools designed for micro businesses.
Whether you are launching a new venture or scaling an existing one, we help you identify loan options that match your goals. Our platform breaks complex financing jargon into simple terms while providing full transparency on interest rates, repayment structures and eligibility criteria. You no longer need to search through dozens of individual bank websites because ROSHI centralizes all information for faster and smarter financial decisions.
Finding reliable small business loan lenders is crucial, especially for micro enterprises with limited credit history. ROSHI connects you with a carefully selected list of licensed lenders in Singapore who focus on the unique needs of small-scale businesses.
We do not promote any single provider and instead act as an impartial loan consultant. After you submit a loan request, our platform evaluates your business profile then presents only the most relevant and trusted lending options. With ROSHI, you can explore lender reputations, compare loan terms and submit applications without leaving your screen.
Time is often the greatest challenge for small businesses that need capital. ROSHI provides real-time small business loan Singapore offers through a personalized online dashboard.
Instead of visiting each lender separately, you can instantly view eligible options based on your business type, revenue and preferred loan amount. Our system supports quick decision-making whether you require funds for urgent inventory restocks, working capital or equipment upgrades. ROSHI serves as a one-stop solution for applying, tracking and managing micro business loan offers efficiently.
Need a small business loan fast? ROSHI’s digital-first platform streamlines and accelerates the application process for micro and small enterprises. From form submission to final approval, we guide you at every step.
Our technology matches your business with lenders that provide rapid disbursement, sometimes within 24 hours. With ROSHI, there is no paperwork hassle or long queues because everything is optimized for speed and accuracy. Whether you are managing a short-term cash crunch or preparing for a new opportunity, obtaining a micro business loan has never been this easy or stress free.
| 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 01 Jan 2026 - Loan Amount Example S$150,000 In 5 Years
Micro business loans are specially designed financing solutions tailored for small-scale enterprises, startups and self-employed individuals who require smaller loan amounts. Typical loan sizes range from SGD 5,000 to SGD 100,000. These loans support micro businesses that may not qualify for conventional business funding due to limited financial history, smaller operational scale or lack of collateral.
In Singapore’s competitive economy, micro businesses play a vital role in driving innovation and employment. Many of them face funding gaps during critical phases such as product launches, inventory procurement or seasonal cash flow dips. Micro loans address these challenges by providing fast and flexible working capital without the complex procedures of traditional banking channels.
Lenders evaluate business viability through alternative data points such as monthly revenue, transaction volume and digital payment records. The streamlined documentation and faster approval cycles, sometimes completed within 24 hours, make these loans a lifeline for hawkers, freelance service providers, online merchants and home-based entrepreneurs.
Most micro loans come with shorter tenures ranging from 6 months to 2 years and offer fixed monthly repayments that help business owners manage finances predictably. Although interest rates may be slightly higher than those of traditional loans, the speed and accessibility of funding often outweigh the cost for micro enterprises with urgent capital needs.
Ultimately, micro business loans empower smaller ventures to act quickly, stay agile and scale operations without compromising control or equity.
Micro business loans provide small-scale financing designed to meet the needs of micro enterprises that operate with limited staff, modest turnover and minimal fixed assets. These loans are typically unsecured, meaning borrowers do not need to pledge assets as collateral. This structure makes them highly accessible to self-employed individuals, online sellers, stall owners and home-based businesses in Singapore.
A key feature of micro business loans is the relatively low principal amount, which suits purposes such as purchasing raw materials, managing operational expenses, expanding inventory or covering short-term payroll. Loan amounts usually range from SGD 5,000 to SGD 100,000 depending on the lender’s criteria and the applicant’s financial profile.
These loans generally carry shorter repayment periods from 6 months to 24 months. Terms are crafted to ensure small business owners can handle repayment without disrupting cash flow. Many licensed moneylenders and alternative financial institutions in Singapore provide flexible repayment schedules with fixed monthly instalments to give micro entrepreneurs predictability and control.
Unlike traditional bank loans that require extensive documentation and lengthy approval timelines, micro loans feature simplified application processes, minimal paperwork and rapid disbursement, sometimes within a single business day. This is especially valuable for micro businesses that operate in fast-moving markets where quick access to working capital is critical.
With their accessibility and practical structure, micro business loans offer a viable path for small businesses to grow sustainably while managing day-to-day financial challenges with confidence.
A micro business loan is a small-scale financing option designed to support startups, home-based businesses or small enterprises with limited capital. Typical loan amounts range from a few hundred to tens of thousands of Singapore dollars and provide short-term working capital or funds for immediate operational needs.
Any small business owner, sole proprietor or self-employed individual can apply if they meet the lender’s eligibility criteria. Most licensed moneylenders require that the business is registered with ACRA, has been operational for at least six months and shows a consistent revenue stream.
Yes. Borrowing from licensed moneylenders in Singapore ensures the loan process is regulated under the Moneylenders Act. This protects borrowers from unfair practices, provides transparent terms and limits the maximum interest and fees chargeable.
Approval speed varies by lender. Many licensed moneylenders provide same-day or next-day approvals when all documents are complete. The streamlined application process makes micro loans ideal for urgent funding needs.
These loans are versatile and can fund inventory purchases, supplier payments, short-term cash flow management, marketing campaigns or equipment upgrades. Borrow only for purposes that align with your business goals and repayment ability.
Before applying, assess the specific financial requirement. Are you looking to fund inventory, pay vendors or expand operations? Defining the purpose helps determine the ideal loan amount with suitable repayment terms. Avoid over-borrowing because it may strain future cash flow.
Lenders often evaluate your income statements, transaction history and cash flow trends. Keep your business finances organised and separate from personal accounts. Use accounting software or professional bookkeeping to build financial credibility.
Always borrow from licensed moneylenders in Singapore regulated by the Ministry of Law. This ensures fair terms, transparent interest rates and full protection under the Moneylenders Act.
Not all micro business loans are the same. Compare interest rates, fees, repayment flexibility and loan disbursement speed across various lenders. Select a provider that fits your business model as well as your repayment capacity.
If your business has limited credit history, strengthen your application with a good personal credit score, consistent revenue and positive business reviews. A stronger profile improves eligibility and may secure a lower interest rate.
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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