Updated July 14, 2025
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Disclaimer
Terms & Conditions
Annual Interest Rate
Max Loan Amount
Processing Fee
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.
The loan includes a processing fee of 1.5–2%, and a lock-in period applies. Despite these terms, the absence of an annual fee and a clearly defined monthly repayment structure—S$1,887.12 for a S$100,000 loan over 5 years—adds transparency and predictability to the repayment process.
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.
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.
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.
| 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
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.
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.
Maybank’s TBLP offers a fixed 5% annual interest rate, giving businesses stability in financial planning without worrying about market fluctuations.
Companies can borrow up to S$1,000,000, making it suitable for both operational cash flow and growth investments.
Unlike many SME loans, this facility charges no recurring annual fee, helping reduce long-term cost burden.
For a S$100,000 loan over 5 years, borrowers pay a fixed monthly instalment of S$1,887.12, with a total repayment of S$113,227.40—providing clarity from day one.
Businesses are subject to a lock-in period, which limits flexibility in refinancing or early exit.
A 2% fee on the outstanding balance applies for early loan settlement, potentially penalizing companies that wish to repay ahead of schedule.
