Updated July 14, 2025
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Disclaimer
Terms & Conditions
Annual Interest Rate
Max Loan Amount
Processing Fee
RHB’s temporary bridging loan (TBL) is part of Singapore’s government-assisted financing schemes aimed at supporting SMEs in navigating economic uncertainties. Designed for local businesses with at least 2 years of incorporation and a minimum annual turnover of S$750,000, this loan product is tailored to provide fast liquidity with minimal red tape.
The RHB TBL offers a competitive fixed annual interest rate of 5.5%, with no annual fees and no lock-in period—making it a practical solution for businesses needing flexible repayment options without long-term financial constraints. The total interest payable on a typical S$100,000 loan across a 5-year tenure amounts to S$14,607, with monthly instalments of approximately S$1,910.12.
Unlike traditional commercial loans, RHB’s TBL doesn’t impose strict entry requirements or penalties. Its streamlined application and disbursement process are ideal for SMEs looking to bridge short-term cash flow gaps or fund business continuity efforts. With a maximum loan cap of S$1,000,000 and government risk-sharing mechanisms in place, the product offers both scalability and stability during challenging periods.
Flexible Loan Ceiling
RHB offers businesses access to funding up to S$1,000,000 under the temporary bridging loan scheme. This high ceiling accommodates both modest working capital needs and larger strategic financing, making it suitable for SMEs at various growth stages.
Accessible Qualification Criteria
Unlike conventional corporate financing, the RHB TBL does not require a minimum personal income or collateral. The only key requirements are 2 years of incorporation and a minimum annual turnover of S$750,000—criteria that many local SMEs can readily meet.
Fixed Repayment Structure
The fixed monthly instalment of S$1,910.12 for a S$100,000 loan across a 5-year tenure offers repayment predictability. This allows businesses to manage budgets without worrying about interest fluctuations or ballooning end-of-term payments.
Short-to-Medium Term Support
With a maximum tenure of 5 years, the RHB TBL is structured as a short-to-medium-term financing solution. It’s ideal for businesses needing a temporary injection of funds to navigate challenges or seize time-sensitive opportunities without long-term debt exposure.
Processing Fee
RHB applies a one-time processing fee ranging from 1% to 2% of the approved loan amount. This fee is deducted upfront and does not recur during the loan tenure. For instance, a S$100,000 loan may incur up to S$2,000 in processing charges.
Zero Annual Fees
There are no recurring annual maintenance or administrative fees throughout the loan period. This helps businesses retain more working capital without dealing with compounding service charges.
No Lock-In Penalty
The loan product comes with zero lock-in period, meaning businesses can repay early without incurring penalty fees. This provides financial flexibility for firms with variable cash flow or those aiming to reduce interest obligations ahead of schedule.
No Late Payment Penalty Fee
Unlike many commercial loans, RHB’s TBL does not impose a penalty fee for late payment. However, timely repayment is still recommended to avoid reputational risk and preserve future financing eligibility.
Interest Cost Breakdown
On a standard loan example of S$100,000 over 5 years at a 5.5% annual interest rate, the total interest payable is S$14,607—bringing the full repayment amount to S$114,606.97. This works out to a consistent monthly instalment of S$1,910.12.
| 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 Incorporation
The applying company must be incorporated in Singapore with a minimum operating history of 2 years.
Annual Revenue Threshold
Eligible businesses are required to have a minimum annual turnover of S$750,000, ensuring that applicants have sufficient operational scale and stability.
SME Definition Compliance
Applicants must fall under the local definition of a Small and Medium Enterprise (SME) and be physically present in Singapore with substantial local equity ownership.
Government Scheme Alignment
This loan is part of Singapore’s Enterprise Financing Scheme, meaning businesses must comply with Enterprise Singapore’s guidelines to benefit from the government’s risk-sharing support.
No Personal Guarantor or Collateral Needed
RHB’s offering does not mandate personal guarantees or asset pledging, streamlining access for SMEs focused on operational liquidity without tying up ownership assets.
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.
Borrow up to S$1,000,000, offering substantial funding for operational scaling, expansion, or crisis management.
Borrowers can choose to repay early at any time without penalty, adding financial flexibility.
There are zero annual charges and no late payment penalty fees, keeping cost structures transparent and business-friendly.
Consistent monthly repayment of S$1,910.12 over 5 years ensures predictability in financial planning.
A 1–2% upfront processing fee is deducted from the approved loan amount.
Only locally incorporated businesses with physical presence in Singapore are eligible—not suitable for foreign or newly-formed companies.
