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Apply NowEthoz, a leading non-bank financial institution in Singapore, offers a highly accessible temporary bridging loan scheme designed to support local businesses in need of working capital during uncertain economic periods. Tailored to SMEs and established enterprises, this loan product provides sizable funding with minimal entry barriers.
With an annual interest rate of 5.5% and a competitive processing fee of just 1.5%, the Ethoz temporary bridging loan is one of the more transparent financing options available to companies seeking fast liquidity without burdensome long-term obligations. Unlike many traditional banks, Ethoz does not impose a minimum application requirement, making it attractive for businesses with urgent or intermediate cash flow needs.
Borrowers can access loan amounts up to S$1,000,000, with a flexible tenure of up to 3 years. A one-time S$1,500 commitment fee applies upon loan approval, but there are no annual fees or early repayment penalties, allowing greater financial flexibility.
This product stands out for companies with at least S$750,000 in annual turnover and a business history of two years or more. With no lock-in period and a straightforward approval process, Ethoz’s temporary bridging loan serves as a strategic solution for business continuity and short-term growth financing.
Key Factors
Flexible Loan Ceiling for Growth Ambitions
With a maximum loan quantum of up to S$1,000,000, Ethoz’s temporary bridging loan is structured to grow with your business needs. This upper limit allows SMEs to fund expansion, strengthen working capital or manage seasonal cash flow gaps without compromising financial stability.
Reasonable Qualification Criteria
The eligibility conditions are notably inclusive. Businesses only need S$750,000 in annual turnover and 2 years of incorporation. These thresholds make the loan accessible to a wide segment of the SME sector, particularly firms in early growth stages that often face challenges meeting traditional banking requirements.
Transparent Cost Structure
The loan carries a 5.5% annual interest rate and a 1.5% processing fee. Ethoz also applies a one-time commitment fee of S$1,500. There are no hidden annual charges, no penalty fees and no lock-in period. This transparency ensures repayment remains predictable and manageable throughout the loan tenure.
Customizable Tenure to Match Business Cycles
The loan tenure of up to 3 years enables businesses to align repayments with operational and revenue cycles. For example, borrowing S$100,000 over 5 years results in a fixed monthly instalment of S$1,910.12 with a total repayment amount of S$114,606.97. This structured repayment schedule provides clarity for long-term cash flow planning.
| 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
To qualify for the Ethoz temporary bridging loan, businesses must meet a straightforward set of eligibility conditions tailored for SMEs and growth-stage enterprises in Singapore.
Start your application by visiting the ROSHI loan comparison platform. Select Ethoz’s temporary bridging loan from the available business financing options and proceed through the platform’s secure redirection to submit your application.
Upon redirection to Ethoz’s portal or after contact by a loan advisor, you’ll be asked to provide the following documents for preliminary assessment:
– Latest 6 months of bank statements
– Most recent 2 years of financial statements (audited or management accounts)
– ACRA BizFile and company profile
– NRIC copies of company directors and key shareholders
– Purpose and plan for loan utilization
These documents are critical to evaluating your business’s creditworthiness and aligning the loan terms to your financial profile.
Once documents are submitted, Ethoz’s underwriting team will conduct a review. Most applicants receive feedback within 2 to 5 business days, depending on the complexity of the financials and completeness of documentation.
If approved, an official loan offer detailing the amount, tenure, interest rate and all applicable fees (including the S$1,500 commitment fee) will be issued for acceptance.
After signing the offer documents, the loan is typically disbursed within 1 to 3 business days directly into the company’s designated business account. There is no lock-in period and repayments follow a fixed monthly schedule, such as S$1,910.12/month for a S$100,000 loan over 5 years.
Businesses can borrow up to S$1,000,000. This makes it ideal for SMEs that require substantial working capital or funds for scaling.
There is no lock-in. Borrowers have the flexibility to repay early without facing exit penalties.
The loan carries a flat 5.5% annual interest rate, a 1.5% processing fee and a fixed S$1,500 commitment fee. No hidden charges or penalty fees are imposed.
Once approved, funds are typically released within 1 to 3 business days. This helps businesses manage time-sensitive needs quickly.
A fixed commitment fee of S$1,500 applies to all loan approvals. This may be significant for smaller loan amounts.
The maximum tenure is 3 years. This can result in higher monthly instalments for businesses that require longer repayment horizons.
