Annual Interest Rate
Max Loan Amount
Processing Fee
Monthly Repayment aaa
Apply NowORIX Leasing Singapore offers the temporary bridging loan as part of the government-backed financing scheme to support SMEs during periods of economic uncertainty. With more than 40 years of experience in business financing, ORIX Leasing is a trusted institution providing tailored lending solutions for local enterprises.
The temporary bridging loan features a fixed annual interest rate of 5% with no annual fee, no lock-in period and no penalty fees for early repayment. Businesses can apply for amounts up to S$1,000,000 with a flexible tenure of up to 5 years.
This product stands out for its accessibility and simplicity. Unlike many financing options, there are no stringent application requirements. Companies with an annual turnover starting from S$350,000 and at least 2 years of incorporation can qualify.
For instance, borrowing S$100,000 over 5 years results in a total interest cost of S$13,227 with fixed monthly instalments of S$1,887.12. The total repayment amounts to S$113,227.40. The transparent cost structure allows businesses to plan cash flow effectively without hidden charges or fluctuating rates.
This financing solution is well-suited for small and mid-sized enterprises that require quick access to working capital. It is particularly valuable for firms seeking predictable repayment terms under a government-supported framework.
Flexible Loan Quantum
Businesses can access funding of up to S$1,000,000, providing significant support for expansion, payroll, inventory or working capital. This maximum loan amount makes ORIX’s TBL a viable choice for both small and mid-sized enterprises seeking impactful financing.
Predictable Monthly Repayment
With a fixed monthly instalment of S$1,887.12 for a S$100,000 loan over 5 years, businesses can plan cash flow with clarity. The repayment schedule is consistent, ensuring simple financial planning without unexpected fluctuations.
No Hidden or Recurring Charges
There are no annual fees, no penalty fees and no lock-in period. This transparent structure allows borrowers to manage long-term liabilities without concerns about extra costs for early repayment or account servicing.
Low Barrier to Entry
Eligibility requirements are minimal. Companies with an annual turnover of S$350,000 and at least 2 years of incorporation can apply. There is no minimum loan amount, making the product inclusive for businesses at different stages of growth.
Business-Friendly Processing Fee
The processing fee ranges from 1% to 2%, which is modest compared with the funding value and market benchmarks. This keeps ORIX’s offering competitive even for enterprises sensitive to upfront expenses.
| 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 27 Feb 2026 - Loan Amount Example S$150,000 In 5 Years
To qualify for the ORIX Leasing temporary bridging loan, businesses must meet several straightforward criteria designed to accommodate a wide range of SMEs:
Unlike many other financing options, ORIX does not impose a minimum loan amount, making the scheme accessible to smaller enterprises seeking targeted financing.
These inclusive criteria make the ORIX temporary bridging loan well-suited for local businesses looking to stabilize or scale operations without facing restrictive entry barriers.
Start your application directly through the ROSHI marketplace. Search for ORIX Leasing’s temporary bridging loan and follow the guided application path. This platform helps streamline your loan comparison and submission process.
To assess eligibility and finalize the offer, ORIX requires standard business documentation. Applicants should prepare the following:
– ACRA Bizfile (latest business profile)
– Audited or management financial statements for the past two years
– Bank statements (latest 6 months)
– Director’s NRIC or Passport (front & back)
– GST registration (if applicable)
After submission, ORIX Leasing will evaluate the financial health and repayment capacity of your business. Once approved, a formal loan offer with fixed terms will be issued. Applicants may be contacted for clarifications or to provide supplementary documents if needed.
Upon signing the loan agreement, funds are disbursed directly to the applicant’s business bank account. In most cases, the disbursement is completed within a few business days, depending on documentation completeness and processing queue.
Eligible businesses can borrow up to S$1,000,000, making this an ideal option for companies seeking substantial working capital support.
Fixed interest rate of 5% per annum and a predictable repayment plan (e.g., S$1,887.12/month for a S$100,000 loan over 5 years) allow for accurate financial forecasting.
Unlike some lenders, ORIX does not charge any annual servicing fee, reducing total borrowing costs across the loan term.
Borrowers can choose to repay early without incurring any penalty, offering financial flexibility and potential interest savings.
A processing fee of 1%–2% is required upfront, which may affect smaller businesses with limited cash reserves.
Loan disbursement may take a few business days, depending on document completeness and review timelines, which may not suit businesses needing urgent cash flow.
