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Apply NowRHB’s temporary bridging loan (TBL) is part of Singapore’s government-assisted financing schemes that support SMEs in navigating economic uncertainties. It is designed for local businesses with at least 2 years of incorporation and a minimum annual turnover of S$750,000. The product provides fast liquidity with minimal administrative hurdles.
The RHB TBL offers a competitive fixed annual interest rate of 5.5% with no annual fees and no lock-in period. It is a practical solution for businesses seeking repayment flexibility without long-term financial constraints. For example, a loan of S$100,000 over 5 years results in total interest of S$14,607 with monthly instalments of about S$1,910.12.
Unlike traditional commercial loans, RHB’s TBL does not impose strict entry requirements or penalties. The streamlined application and disbursement process makes it suitable for SMEs that need to bridge short-term cash flow gaps or finance business continuity efforts. With a maximum loan ceiling of S$1,000,000 supported by government risk-sharing, this product offers both scalability and stability in challenging economic conditions.
Flexible Loan Ceiling
RHB provides businesses with access to funding of up to S$1,000,000 under the temporary bridging loan scheme. This high ceiling supports both modest working capital needs as well as larger strategic financing, making it suitable for SMEs at different stages of growth.
Accessible Qualification Criteria
Unlike conventional corporate financing, the RHB TBL does not require a minimum personal income or collateral. The only essential conditions are 2 years of incorporation with a minimum annual turnover of S$750,000. These requirements can be readily met by many local SMEs.
Fixed Repayment Structure
A fixed monthly instalment of S$1,910.12 for a S$100,000 loan across 5 years provides repayment predictability. Businesses can plan budgets with confidence without concern over fluctuating interest rates or ballooning payments at the end of the term.
Short-to-Medium Term Support
With a maximum tenure of 5 years, the RHB TBL functions as a short-to-medium-term financing option. It is well suited for businesses that require a temporary cash boost to overcome challenges or capture time-sensitive opportunities while avoiding long-term debt obligations.
| 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 12 Jan 2026 - Loan Amount Example S$150,000 In 5 Years
Start your application by visiting the ROSHI platform. Select RHB ’s temporary bridging loan and follow the guided prompts to begin the loan request.
Applicants are required to upload verified documents that confirm business incorporation, revenue and financial stability. These typically include:
– ACRA Business Profile
– Latest 2 years of Financial Statements
– GST registration (if applicable)
– Recent statements (3–6 months)
– NRIC/ID copy of company directors
Once submitted, RHB conducts internal due diligence and assesses eligibility based on company performance, tenure and turnover. Approval outcomes are usually communicated within a few working days.
Upon approval and acceptance of the offer, funds are disbursed directly to the company’s registered account. Disbursement usually takes place within a short turnaround window on business days, providing swift access to capital.
This streamlined digital process supported by ROSHI’s interface and RHB’s efficient credit assessment enables SMEs to secure funds without delays or in-person paperwork.
Borrow up to S$1,000,000. This provides substantial funding for operational scaling, business expansion or crisis management.
Borrowers can choose to repay early at any time without penalty. This adds valuable financial flexibility.
There are zero annual charges. No late payment penalty fees are imposed, keeping the cost structure transparent and business-friendly.
A consistent monthly repayment of S$1,910.12 over 5 years ensures predictability in financial planning.
An upfront processing fee of 1% to 2% is deducted from the approved loan amount.
Eligibility is restricted to locally incorporated businesses with a physical presence in Singapore. This loan is not suitable for foreign firms or newly-formed companies.
