Updated July 14, 2025
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Terms & Conditions
Annual Interest Rate
Max Loan Amount
Processing Fee
Ethoz, 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.
Flexible Loan Ceiling for Growth Ambitions
With a maximum loan quantum of up to S$1,000,000, Ethoz’s temporary bridging loan is designed to scale with your business needs. This upper limit offers SMEs the opportunity to fund expansion, strengthen working capital, or navigate seasonal cash flow gaps without compromising financial stability.
Reasonable Qualification Criteria
The eligibility conditions are notably inclusive — requiring only 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 those in early-stage growth who often struggle to meet traditional banking criteria.
Transparent Cost Structure
Beyond the 5.5% annual interest rate and 1.5% processing fee, Ethoz applies a one-time commitment fee of S$1,500. There are no hidden annual charges, no penalty fees, and no lock-in period, ensuring that repayment remains predictable and manageable over time.
Customizable Tenure to Match Business Cycles
The loan tenure of up to 3 years enables businesses to align repayments with their operational and revenue cycles. For example, a S$100,000 loan over 5 years yields a fixed monthly instalment of S$1,910.12, with a total repayment amount of S$114,606.97, providing clarity for long-term cash flow planning.
Interest Rate
Ethoz applies a flat annual interest rate of 5.5%, offering straightforward cost predictability. For instance, a loan of S$100,000 over 5 years results in S$14,607 in total interest, which is already factored into the monthly repayment structure.
Processing Fee
A 1.5% processing fee is charged upfront based on the approved loan amount. This fee is deducted at disbursement, meaning if you borrow S$100,000, S$1,500 will be allocated to cover processing costs.
Commitment Fee
Borrowers are also subject to a one-time commitment fee of S$1,500, which is charged regardless of the loan amount or tenure. This fee is not recurring and is payable only once upon acceptance of the loan offer.
No Penalty Charges
Ethoz does not impose any penalty fees for late payment, early repayment, or loan restructuring. This zero-penalty policy supports financial flexibility and risk management, particularly for businesses operating in volatile sectors.
No Annual Maintenance Fees
Unlike traditional financing institutions, Ethoz does not charge annual maintenance or administrative fees, keeping the loan cost transparent and consistent throughout the repayment period.
| 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
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.
Business Incorporation
Applicants must be Singapore-registered companies with a minimum operational history of 2 years. This ensures the business has established basic operational and financial continuity.
Minimum Annual Turnover
A minimum annual revenue of S$750,000 is required to apply. This threshold demonstrates the company’s financial ability to manage and service the loan over time, reducing default risk and streamlining approvals.
Business Ownership & Structure
Loans are open to private limited companies and sole proprietorships that are locally owned and actively operating. Ethoz may prioritize businesses with clear shareholder structures and audited financials.
Loan Usage & Sector Fit
This loan is best suited for businesses seeking working capital, operational bridging, or short-term cash flow support, particularly in industries impacted by economic uncertainty. Applicants should ensure that the loan purpose aligns with legitimate business activities.
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.
Businesses can borrow up to S$1,000,000, making it ideal for SMEs requiring substantial working capital or scaling funds.
There is no lock-in, giving borrowers the flexibility to repay early without facing exit penalties.
Flat 5.5% annual interest, 1.5% processing fee, and a fixed S$1,500 commitment fee—with no hidden charges or penalty fees.
Once approved, funds are typically disbursed in 1–3 business days, helping businesses manage time-sensitive needs.
A S$1,500 fixed commitment fee applies to all loan approvals, which may be significant for smaller loan amounts.
The maximum tenure is 3 years, which might result in higher monthly instalments for businesses needing longer repayment horizons.
