Fact-Checked
Disclaimer
Terms & ConditionsAnnual Interest Rate
Max Loan Amount
Processing Fee
Monthly Repayment
Apply NowDBS Temporary Bridging Loan Programme (TBLP) provides essential short to medium term financing support for Singapore-based SMEs navigating post pandemic recovery. Backed by Enterprise Singapore, this business loan is designed for companies with at least one year of incorporation and a minimum annual turnover of S$150,000. DBS is among the most trusted financial institutions in the region and offers access to funding of up to S$3 million under highly competitive terms.
With a fixed annual interest rate of 4.75%, the TBLP ensures predictable repayment structures. Borrowers can choose repayment tenures of up to 5 years, making the loan suitable for businesses that need manageable monthly installments with added flexibility. The programme carries no lock-in period and no annual fees, allowing companies to restructure or settle early without penalties while maximizing liquidity and control.
DBS applies a processing fee between 1% and 1.5%, which is significantly lower than many unsecured commercial loans considering the large loan ceiling. For instance, a principal loan of S$100,000 over five years results in a monthly repayment of S$1,875.69 with a total repayment of S$112,541.47 inclusive of interest.
With its strong institutional reputation and government-supported structure, the DBS Temporary Bridging Loan stands as a resilient and scalable financing solution that supports SMEs seeking stability and working capital in an uncertain economic climate.
Large Loan Quantum
With a maximum loan amount of S$3,000,000, the DBS Temporary Bridging Loan provides one of the highest funding ceilings available to SMEs in Singapore. This enables businesses to support larger scale needs such as supply chain expansion, equipment acquisition or regional growth without relying on multiple financing sources.
Fixed Interest for Financial Clarity
The loan features a fixed annual interest rate of 4.75% which protects borrowers from market rate fluctuations. This ensures stable cost planning over the entire loan term, making it easier for CFOs and financial planners to forecast repayment schedules and allocate working capital efficiently.
Flexible Tenure Options
With repayment terms of up to 5 years, businesses can align loan duration with their project or cash flow cycles. The extended tenure option is particularly useful for investments with longer return horizons as it allows companies to avoid cash pressure from short term repayments.
Business-Centric Qualification
The minimum S$150,000 annual turnover requirement plus one year of incorporation makes the loan accessible to a wide range of local enterprises from lean early stage firms to fast scaling mid market players. Unlike traditional commercial loans there is no need for personal income disclosure from business owners.
| 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 13 Jan 2026 - Loan Amount Example S$150,000 In 5 Years
The DBS temporary bridging loan is designed to support Singapore-based SMEs seeking affordable capital to navigate transitional phases or scale operations. Unlike personal loans or high-barrier commercial products, eligibility criteria are streamlined to enhance accessibility.
To qualify, applicants must meet the following core requirements:
Loan proceeds must be used strictly for business-related purposes such as working capital, payroll, rental or expansion. They cannot be applied to personal or speculative activities.
There are no specific income thresholds or credit score disclosures required upfront and collateral is not mandatory, making the TBLP especially appealing for asset-light businesses or newly scaled operations.
This lean qualification framework positions the DBS TBLP as an inclusive financing option for early-stage enterprises as well as established SMEs aiming to bridge temporary liquidity gaps with confidence.
Start your loan journey by visiting the ROSHI marketplace. From there, navigate to the DBS listing for the temporary bridging loan and begin your online application process.
Applicants are required to submit documentation that verifies business legitimacy and financial standing. Required documents include:
– ACRA Business Profile (with at least 1 year of incorporation)
– Latest Financial Statements or Management Accounts
– Statements (latest 3–6 months)
– NRIC copies or identification of company directors/shareholders
– Other supporting documents as requested by DBS
DBS may retrieve part of the information via MyInfo Business, enabling faster data prefill and reducing manual entry.
Once submitted, DBS conducts an internal credit and compliance assessment. Most applications receive a decision within several business days, depending on completeness and complexity.
Upon approval and acceptance of terms, the loan amount is disbursed directly to the business account. For a S$100,000 loan, monthly installments of S$1,875.69 begin as per the agreed repayment schedule.
Borrow up to S$3,000,000, providing substantial capital for operational or expansion needs.
Enjoy the flexibility to repay early with no prepayment penalties, supporting dynamic cash flow management.
Transparent structure with zero annual charges and no penalty for late repayment, reducing cost unpredictability.
Fixed interest rate of 4.75% per annum ensures consistent monthly installment of S$1,875.69 for a S$100,000 loan over 5 years.
A 1%–1.5% processing fee applies, which is deducted from the approved loan amount at disbursement.
Funds are strictly for business purposes; personal, investment, or speculative use is not allowed.
