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Terms & ConditionsAnnual Interest Rate
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Apply NowSingapura Finance offers a competitive temporary bridging loan designed to provide quick and flexible financing solutions for individuals and businesses in need of short-term funds. This loan is ideal for those looking to bridge financial gaps before securing long-term financing or while managing short-term cash flow needs.
The loan comes with a straightforward interest rate of 5% per annum, making it an affordable option for borrowers seeking a reliable temporary solution. The maximum loan amount is S$500,000, providing ample financing for various personal or business purposes. With no annual fee and no lock-in period, this loan offers flexibility and ease of access, with borrowers able to repay their loan within a maximum tenure of 5 years.
Singapura Finance’s temporary bridging loan is available to both individuals and businesses, with no minimum income or credit score requirements, making it an accessible option for a wide range of applicants. The processing fee, which ranges from 1% to 2%, is relatively low compared to other lending options, ensuring that borrowers can access funds without excessive costs.
A notable feature of this loan is its competitive monthly instalments, with a sample principal loan amount of S$100,000 resulting in a monthly repayment of S$1,887.12. This predictable repayment structure helps borrowers manage their finances more effectively.
Overall, Singapura Finance’s temporary bridging loan offers a compelling option for those in need of temporary financial support, combining competitive interest rates, flexible terms and affordable repayments.
Interest Rate and Total Interest
Singapura Finance’s temporary bridging loan offers an annual interest rate of 5%, which is highly competitive for a short-term financing option. Over the course of a 5-year tenure, this interest rate results in a total interest payment of S$13,227 for a principal loan amount of S$100,000. This ensures that borrowers have a predictable cost of borrowing, allowing them to plan their finances more effectively.
Flexible Loan Amount
The temporary bridging loan from Singapura Finance offers flexibility in the loan amount, with a maximum loan limit of S$500,000. This makes the loan suitable for both individual borrowers and businesses with varying financial needs, providing access to a substantial amount of funding.
Loan Tenure and Repayment Flexibility
With a loan tenure of up to 5 years, borrowers have the flexibility to choose a repayment schedule that aligns with their financial capacity. This long tenure makes it easier for borrowers to manage monthly payments, which start at S$1,887.12 per month for a S$100,000 loan. It ensures that repayments remain manageable without placing undue strain on the borrower’s cash flow.
No Annual Fee and Lock-In Period
Singapura Finance’s temporary bridging loan does not come with an annual fee, which is an attractive feature for borrowers looking for cost-effective solutions. Additionally, there is no lock-in period, providing borrowers with the freedom to repay the loan early without incurring additional charges or penalties.
| Lender | Annual Interest Rate | Processing Fee | Annual Fee | Monthly Repayment |
|---|---|---|---|---|
| Anext | 7%-10% | 1% or S$200 | No | $2,970.18 |
| DBS | 7% | 1% | No | $2,970.18 |
| Maybank | 7%-10% | 1-2% | No | $2,970.18 |
| OCBC | 7% | 1-2% | No | $2,970.18 |
| Orix | 8.5 % | 1-2% | No | $3,077.48 |
| Ethoz | 7-10% | 1.25% | One time off $1,500 Commitement Fee | $2,970.18 |
| Funding Societies | 9.6 % | 4% | No | $3,157.61 |
| SCB | 9.00 % | 1-3% | $288 | $3,113.75 |
* Rates Updated 12 Jan 2026 - Loan Amount Example S$150,000 In 5 Years
Singapura Finance’s temporary bridging loan is designed to support businesses in need of short-term financial assistance. The eligibility criteria for this loan are straightforward, ensuring that a broad range of businesses can qualify.
To begin the application, visit the ROSHI marketplace and select the Singapura Finance temporary bridging loan option. Follow the link provided to be redirected to Singapura Finance’s official site, where you can begin your loan application.
Singapura Finance simplifies the application process by allowing businesses to use their digital identity via SingPass MyInfo for verification. This allows the bank to retrieve your verified business information, such as turnover and incorporation details, reducing the need for manual document submission. However, businesses may still be required to submit the following documents for further review and approval:
– Business Registration Details (including NRIC or other identification details of company directors)
– Latest Financial Statements or Tax Returns (if available)
– Bank Statements (if requested by the bank)
For businesses that need higher loan amounts, you may be asked to provide additional documentation, such as the latest tax notice of assessment (NOA).
Once your application is submitted, Singapura Finance processes it swiftly. In most cases, you will receive approval within minutes. After approval, the loan amount will be disbursed directly to your business bank account, typically within 1-2 business days. This fast disbursement ensures that you have access to the funds when you need them most.
After your loan is approved, you will be required to review and sign the loan agreement. The terms and conditions, including the repayment schedule and any additional charges (if applicable), will be outlined clearly. Once the agreement is signed, the loan will be finalized and funds will be made available to your business.
Singapura Finance offers quick approval for the temporary bridging loan. Businesses can expect to receive approval within minutes of application submission, ensuring fast access to the funds needed to bridge financial gaps.
The loan provides flexibility with a maximum loan amount of S$500,000, catering to businesses of varying sizes and financial needs. Whether you’re a small enterprise or a larger business, this loan can accommodate diverse funding requirements.
There is no lock-in period, which means businesses are not penalized for repaying the loan early. This feature provides greater flexibility and helps businesses manage their finances without being tied down by long-term commitments.
The loan comes with a relatively low processing fee of 1% to 2%, making it more affordable compared to other financing options. This ensures that borrowers can access the funds they need without significant upfront costs.
While the loan offers flexibility, it is only available to businesses with a minimum annual turnover of S$750,000 and at least 3 years of incorporation. This means that new or smaller businesses may not qualify for the loan, limiting its accessibility to more established enterprises.
