Maybank Temporary Bridging Loan (January 2026)
(Product review)

Current Maybank Bridging Loan Loan Rate

Product Review

Maybank, a well-established regional bank in Southeast Asia, offers the temporary bridging loan Programme (TBLP) to support SMEs in Singapore navigating post-pandemic recovery and economic uncertainty. Backed by Enterprise Singapore, this financing solution provides working capital with flexible terms and competitive interest rates.

With a fixed annual interest rate of 5% and no annual fee, Maybank’s TBLP is designed for businesses seeking mid- to large-scale funding without the burden of excessive fees. Borrowers can apply for amounts up to S$1,000,000 with a maximum tenure of 5 years, making this loan suitable for companies needing to bridge cash flow gaps or fund growth initiatives.

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How much do you want to borrow?

$50,000

$500,000

Over what period would you like to pay?

1 Month

60 Months

Your monthly payment

337

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Rate Disclaimer*

Based on a $20,000 loan at 6.95% APR over 5 years, total repayable amount is $26,940 with $449 monthly payments. Your personal APR will be provided upon application completion. Loan terms available from 3 to 72 months. Maximum APR 8.88%.

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*Based on a $20,000 loan at 6.95% APR over 5 years, read more total repayable amount is $26,940 with $449 monthly payments. Your personal APR will be provided upon application completion. Loan terms available from 3 to 72 months. Maximum APR 8.88%. show less

The loan carries a processing fee between 1.5% and 2%. A lock-in period also applies. Despite these conditions, the absence of an annual fee together with a clearly defined repayment structure creates transparency and predictability. For example, a loan of S$100,000 over five years would require a fixed monthly repayment of S$1,887.12.

Maybank’s TBLP supports enterprises with a minimum annual turnover of S$350,000 and at least 2 years of incorporation, lowering the barrier for SMEs to access funding. Overall, it’s a practical, government-backed financing tool for eligible businesses in Singapore aiming to stabilize or scale in today’s volatile environment.

Key Factors

Fixed Interest Rate for Financial Stability
Maybank’s TBLP offers a flat 5% annual interest rate, ensuring predictability in loan repayments. This fixed rate allows businesses to plan their finances without concerns about rate hikes or market volatility.

Generous Loan Ceiling
With a maximum loan amount of S$1,000,000, this facility supports both small businesses and larger SMEs looking to expand, manage operating costs or stabilize post-crisis operations.

Clear and Predictable Repayment Structure
Repayment is structured monthly over a maximum tenure of 5 years, allowing borrowers to manage cash flow effectively. For instance, a S$100,000 loan over 5 years results in fixed monthly instalments of S$1,887.12, with a total repayment of S$113,227.40.

Low Entry Barriers for SMEs
There is no minimum loan amount requirement, making the loan accessible for businesses with smaller financing needs. Eligibility starts from companies with S$350,000 in annual turnover and 2 years of incorporation, expanding reach to early-stage SMEs.

Maybank Fees

• Processing Fee (One-Time)
  Maybank applies a processing fee of 1.5% to 2% of the approved loan amount. This fee is deducted upfront and covers the administrative costs of initiating the loan.
• Annual Fee
  Unlike some business loans that incur recurring annual fees, Maybank’s TBLP charges no annual fee, making it more cost-efficient for long-term repayment plans.
• Early Repayment Penalty
  The loan has a lock-in period and borrowers who repay early are subject to a 2% penalty fee on the outstanding loan balance. This fee discourages early exits and should be considered when planning cash flow.
• Late Payment Charges
  While the exact late payment charge structure is not publicly disclosed, borrowers should anticipate additional interest or administrative fees if they fail to meet monthly instalments on time.

Overview of Interest Rates

Eligibility for Maybank Temporary Bridging Loan

• Business Registration & Operational Requirements
  Applicants must be businesses registered and operating in Singapore, with at least 2 years of incorporation. This ensures that only operational and established firms benefit from the scheme.
• Minimum Turnover Criteria
  Eligible companies must have a minimum annual turnover of S$350,000. This requirement ensures that applicants have sufficient revenue to support loan repayments over time.
• Industry Scope
  The temporary bridging loan is open to a wide range of sectors, including retail, manufacturing, logistics, F&B and services. However, Maybank reserves the right to assess sector-specific risks on a case-by-case basis.
• No Minimum Loan Amount Requirement
  Unlike many traditional loans, Maybank’s TBLP has no minimum loan threshold, making it accessible to smaller SMEs and businesses seeking modest funding to sustain operations or manage short-term cash flow.
• Credit and Financial Assessment
  All applications are subject to Maybank’s internal credit assessment, including review of financial statements, cash flow and repayment capacity. Businesses with sound financial standing are more likely to be approved.