Updated July 14, 2025
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Terms & Conditions
Annual Interest Rate
Max Loan Amount
Processing Fee
ORIX Leasing Singapore offers the temporary bridging loan as part of Singapore’s government-backed financing scheme to support SMEs during periods of economic uncertainty. With over 40 years of experience in business financing, ORIX Leasing is a trusted financial institution offering tailored lending solutions for local businesses.
The temporary bridging loan offered by ORIX features a competitive fixed interest rate of 5% per annum, with no annual fee, no lock-in period, and no penalty fees for early repayment—making it highly accessible and business-friendly. Businesses can apply for up to S$1,000,000, with a flexible tenure of up to 5 years.
This product stands out due to its accessibility and simplicity. Unlike many other financing options, there are no minimum application requirements, and companies with as little as S$350,000 in annual turnover and at least 2 years of incorporation are eligible.
For example, borrowing S$100,000 over 5 years would result in a total interest cost of S$13,227, with fixed monthly instalments of S$1,887.12—bringing the total repayment amount to S$113,227.40. The straightforward cost structure helps business owners plan their cash flow without hidden charges or fluctuating rates.
This loan is suitable for small to mid-sized enterprises looking for quick access to working capital, especially those seeking low-commitment, government-supported financing with predictable repayment terms.
Flexible Loan Quantum
Businesses can access funding of up to S$1,000,000, providing significant support for expansion, payroll, inventory, or working capital. This large maximum loan amount makes ORIX’s TBL a viable choice for both small and mid-sized enterprises looking for impactful financing.
Predictable Monthly Repayment
With a fixed monthly instalment of S$1,887.12 for a S$100,000 loan over 5 years, businesses can plan cash flow with clarity. The predictable repayment schedule ensures financial planning is simple and eliminates surprises due to fluctuating rates.
No Hidden or Recurring Charges
There are no annual fees, no penalty fees, and no lock-in period. This cost transparency supports borrowers in managing long-term liabilities without worrying about extra charges for early repayment or account servicing.
Low Barrier to Entry
Eligibility requirements are minimal — companies with S$350,000 in annual turnover and at least 2 years of incorporation can apply. Additionally, there’s no minimum loan amount required, making the product inclusive for businesses at different growth stages.
Business-Friendly Processing Fee
The processing fee ranges from 1% to 2%, which is modest relative to the funding value and market benchmarks. This makes ORIX’s offering competitive even for businesses mindful of upfront costs.
Processing Fee
Applicants are required to pay a one-time processing fee between 1% and 2% of the approved loan amount. For example, a loan of S$100,000 would incur a processing fee of S$1,000 to S$2,000, depending on the final agreed terms.
Annual Fee
There is no annual fee charged throughout the loan tenure. Businesses benefit from this cost-saving feature, especially during multi-year financing commitments.
No Annual Fee
Unlike many other loans, the Singapura Finance temporary bridging loan does not have an annual fee. This feature makes the loan more cost-effective for borrowers, as they won’t face recurring charges beyond the interest rate and processing fee.
Late Payment Charges
Unlike many lenders, ORIX Leasing does not impose penalty fees for missed or late payments. However, late repayments may still impact credit standing and interest may continue to accrue as per standard loan agreements.
Prepayment Penalty
Borrowers have the flexibility to repay the loan early with zero penalty. This enables SMEs to reduce their interest burden if they experience improved cash flow or receive additional funding.
Lock-in Period
There is no lock-in period, meaning borrowers can restructure or refinance the loan at any time without incurring exit fees.
| 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 ORIX Leasing temporary bridging loan, businesses must meet several straightforward criteria designed to accommodate a wide range of SMEs:
Registered Business in Singapore
Applicants must be business entities registered and operating in Singapore, regardless of industry sector. Both sole proprietors and incorporated companies may apply, provided they fulfill the financial requirements.
Minimum Operational History
Eligible businesses must have been incorporated for at least 2 years. This demonstrates a basic level of operational stability and business maturity.
Minimum Annual Revenue
Applicants should have a minimum annual turnover of S$350,000. This threshold ensures the business has sufficient cash flow to manage debt servicing obligations over the loan term.
No Minimum Loan Size Requirement
Unlike many other financing options, ORIX does not impose a minimum loan amount, making the scheme accessible to smaller enterprises seeking targeted financing.
These inclusive criteria make the ORIX temporary bridging loan well-suited for local businesses looking to stabilize or scale operations without facing restrictive entry barriers.
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.
Eligible businesses can borrow up to S$1,000,000, making this an ideal option for companies seeking substantial working capital support.
Fixed interest rate of 5% per annum and a predictable repayment plan (e.g., S$1,887.12/month for a S$100,000 loan over 5 years) allow for accurate financial forecasting.
Unlike some lenders, ORIX does not charge any annual servicing fee, reducing total borrowing costs across the loan term.
Borrowers can choose to repay early without incurring any penalty, offering financial flexibility and potential interest savings.
A processing fee of 1%–2% is required upfront, which may affect smaller businesses with limited cash reserves.
Loan disbursement may take a few business days, depending on document completeness and review timelines, which may not suit businesses needing urgent cash flow.
