Updated July 14, 2025
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Disclaimer
Terms & Conditions
Annual Interest Rate
Max Loan Amount
Processing Fee
DBS temporary bridging loan Programme (TBLP) offers critical short-to-medium-term financing support for Singapore-based SMEs navigating post-pandemic recovery. Backed by Enterprise Singapore, this business loan is tailored to companies with at least one year of incorporation and a minimum annual turnover of S$150,000. DBS, as one of the most trusted financial institutions in the region, facilitates access to up to S$3 million in funding under highly competitive terms.
With a fixed annual interest rate of 4.75%, the TBLP offers predictable repayment structures. Borrowers can choose repayment tenures of up to 5 years, making this loan ideal for businesses that require manageable monthly installments and flexibility. The programme has no lock-in period and no annual fees, giving companies the ability to restructure or settle early without penalties—maximizing liquidity and control.
DBS charges a processing fee between 1% to 1.5%, significantly lower than many unsecured commercial loans, especially given the large loan ceiling. For example, a principal loan of S$100,000 over five years would result in a monthly repayment of S$1,875.69, and a total repayment amount of S$112,541.47, inclusive of interest.
With a strong institutional reputation and a government-supported structure, the DBS temporary bridging loan stands as a resilient, scalable, and business-first financing solution for SMEs seeking stability and working capital in a volatile economic landscape.
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 needing 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 especially beneficial for investments with longer return horizons, allowing companies to avoid cash pressure from short-term repayments.
Business-Centric Qualification
The minimum S$150,000 annual turnover and 1-year incorporation requirement make 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’s no personal income disclosure needed from business owners.
Processing Fee
DBS applies a processing fee ranging from 1% to 1.5% of the approved loan amount. This fee is deducted upfront and is one of the few direct charges associated with the temporary bridging loan. For example, a S$100,000 loan would incur a processing fee between S$1,000 and S$1,500 depending on the final approved rate.
Annual Fee
There is no annual fee imposed on the borrower for the duration of the loan. This ensures that businesses are not burdened with recurring yearly charges, improving the long-term affordability of the loan.
Lock-in Penalty
The TBLP offers full prepayment flexibility. DBS does not impose any lock-in period or early repayment penalties, allowing businesses to settle their outstanding balance at any time without financial penalty—an uncommon benefit in the SME loan space.
Penalty for Missed Payments
The DBS temporary bridging loan does not apply a fixed penalty fee for missed installments. However, standard late payment interest may still accrue depending on the ’s general SME lending terms. Businesses are encouraged to maintain timely repayments to preserve their credit standing.
| Lender | Annual Interest Rate | Processing Fee | Annual Fee | Monthly Repayment |
|---|---|---|---|---|
| Anext | 7% | 1% or S$200 whichever is higher | $0 | $2,970.18 |
| DBS | 6% | 1% | no | $2,899.92 |
| Maybank | 7% | 1-2% | $2,970.18 | |
| OCBC | 7.5 % | 1-2% | no | $3,005.69 |
| Orix | 8.5 % | 1-2% | no | $3,077.48 |
| Ethoz | 9 % | 1.25% | One time off $1,500 Commitement Fee | $3,113.75 |
| Funding Societies | 9.6 % | 7% | $3,157.61 | |
| SCB | 10.88 % | 1-3% | $288 | $3,252.39 |
* Rates Updated 14 Jul 2025 - 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:
Business Incorporation
The company must be incorporated in Singapore for at least 1 year at the time of application.
Minimum Annual Turnover
The business must have generated a minimum turnover of S$150,000 in the most recent financial year.
Business Type
Available to private limited companies, sole proprietors, and partnerships registered with ACRA.
Use of Funds
Loan proceeds must be used strictly for business-related purposes such as working capital, payroll, rental, or expansion—not for personal or speculative use.
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 application journey with our quick online application multistep form—it takes just 30 seconds to complete. Our advanced technology and expert loan specialists work together to match you with suitable options on our platform
Our team will reach out requesting the following necessary documents: company registration information, bank statements, financial reports and your IC/FIN details.
Our dedicated customer success team will carefully examine your application, contacting you if any additional information is required. Once we’ve verified your details, we’ll begin the process of matching you with appropriate lenders and loan options.
Compare loan offers in real-time through your application dashboard. Our customer success team is available to discuss loan details.
Once you’ve agreed on the loan terms and signed the contract, you’ll receive a copy of the agreement. This document will outline your monthly payment schedule. Your funds will then be disbursed either in cash or via bank transfer.
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.
