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

Current OCBC Bridging Loan Loan Rate

Product Review

OCBC, one of Singapore’s leading financial institutions, offers the temporary bridging loan Programme (TBLP) to help SMEs address short-term cash flow needs. Backed by Enterprise Singapore, this loan is tailored for local businesses navigating uncertain economic conditions.

With a competitive fixed annual interest rate of 5% and no annual fees, OCBC’s TBLP offers a viable financing option for companies seeking working capital support. The loan can go up to S$600,000, with flexible repayment tenures of up to 5 years, making it suitable for both emerging startups and established SMEs.

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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

While the loan includes a 1–2% processing fee and a lock-in period, it does not impose any annual maintenance charges. OCBC’s TBLP is designed to accommodate businesses with at least S$500,000 in annual turnover and a minimum incorporation period of 1 year, ensuring accessibility to a broad range of local enterprises.

For a typical loan of S$100,000 over 5 years, borrowers can expect monthly instalments of S$1,887.12, resulting in a total repayment of S$113,227.40, inclusive of S$13,227.40 in interest.

Overall, OCBC’s temporary bridging loan stands out as a practical financing solution for SMEs requiring immediate liquidity with transparent terms and government-backed reliability.

Key Factors

Loan Flexibility for SMEs
OCBC’s temporary bridging loan offers financing of up to S$600,000, giving SMEs substantial liquidity to manage operational expenses, vendor payments or business expansion. The maximum loan tenure of 5 years supports manageable repayment pacing for long-term planning.

Straightforward Interest Structure
The loan features a fixed annual interest rate of 5%, allowing businesses to predict and plan financial obligations without worrying about fluctuating rates. With a total interest amounting to S$13,227 on a S$100,000 loan over 5 years, OCBC provides transparency from the outset.

Reasonable Entry Barriers
Unlike other business loans that impose high qualification thresholds, this scheme only requires businesses to have a minimum annual turnover of S$500,000 with at least one year of incorporation. This makes the loan accessible to both young firms and growing enterprises.

Predictable Monthly Commitment
For a S$100,000 loan over 5 years, businesses will pay a fixed monthly installment of S$1,887.12. This stability supports better cash flow planning and financial predictability, critical during recovery or scaling periods.

OCBC Fees

• Processing Fee
  A one-time processing fee of 1% to 2% is charged based on the approved loan amount. This fee is deducted upfront and is standard across all applicants. For example, a S$100,000 loan may incur up to S$2,000 in processing costs.
• Penalty Fee for Early Repayment
  The loan includes a lock-in period, during which early full repayment is allowed only with a 2% penalty fee on the outstanding loan amount. Borrowers should carefully consider their cash flow before opting to repay ahead of schedule.
• Late Payment Charges
  While not always triggered, late payments may incur additional charges or interest accrual as per OCBC’s standard SME loan policy. To avoid these, businesses are strongly advised to maintain regular repayment schedules.
• No Annual Maintenance Fee
  OCBC does not impose any annual fees on the temporary bridging loan, reducing long-term costs. This eliminates recurring charges that could otherwise increase the financial burden over the loan tenure.

Overview of Interest Rates

Eligibility for OCBC Temporary Bridging Loan

To qualify for OCBC’s temporary bridging loan Programme, businesses must meet the following eligibility criteria set in alignment with Enterprise Singapore’s support framework:

• Business Registration and Incorporation
  Applicants must be Singapore-registered companies that are physically present and actively operating in the country. The business must have been incorporated for at least 1 year at the time of application.
• Minimum Annual Turnover
  Eligible businesses should have a minimum annual revenue of S$500,000. This ensures the company has a stable cash flow to support repayment over the loan tenure.
• Local Shareholding Requirement
  At least 30% of the company’s ownership must be held by Singaporeans or Singapore Permanent Residents. This condition is aligned with national objectives to support local enterprise development.
• Operational Status
  Only firms that are actively in operation and not under judicial management or facing liquidation are considered. Dormant companies or those with unresolved insolvency issues are not eligible.
• Sector Inclusion

  The TBLP is open to most industries, including retail, F&B, logistics, manufacturing and professional services. However, OCBC reserves the right to assess sector-specific risk before approval.

This broad yet structured eligibility framework ensures that a wide range of SMEs can access timely financial support through OCBC’s TBLP, particularly those working to recover from economic shocks.