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

Product Review

UOB’s temporary bridging loan programme (TBLP) is part of Singapore’s government-backed initiative to support businesses facing liquidity challenges. With a competitive annual interest rate of N/A and no annual fee, UOB’s TBLP is designed to offer accessible and stable financing for SMEs navigating uncertain times.

This loan is suitable for both young enterprises and established businesses seeking medium-term capital. UOB offers a maximum loan quantum of up to N/A, allowing businesses to spread their repayment and manage cash flow effectively.

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Up to 1% Cashback*

$100 Grocery Voucher*

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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

UOB does not impose a lock-in period or penalty fees, giving borrowers greater repayment flexibility. The loan also has no minimum loan requirement, although businesses must meet the eligibility criteria related to turnover and years of incorporation.

With a processing fee ranging from N/A, the cost remains reasonable compared to other commercial loans. UOB’s participation in the temporary bridging loan Programme reinforces its commitment to supporting Singapore’s SME ecosystem with structured, government-assisted lending options.

Key Factors

Stable Interest Rate
UOB’s temporary bridging loan features a fixed annual interest rate of N/A, giving predictability in repayment planning. Unlike variable rate products, this stable rate allows businesses to manage financing costs without unexpected increases over time.

Wide Loan Range 
The programme enables SMEs to secure significant funding to support operations, bridge cash flow gaps or finance continuity plans. There is no minimum loan threshold, making it accessible for both smaller and larger capital needs.

Flexible Tenure
Borrowers can select a tenure of up to five years, ensuring manageable monthly repayments that align with cash flow cycles.

No Lock-In or Early Repayment Penalty
UOB imposes no lock-in period and no penalty fees for early repayment. Businesses can repay the loan ahead of schedule without incurring additional costs. This is especially beneficial for companies that experience earlier-than-expected cash inflows.

Minimal Entry Barriers
With no minimum loan amount and only modest requirements in annual turnover plus three years of incorporation, the programme is open to a wide spectrum of SMEs ranging from younger firms to more established enterprises.

UOB Fees

• Processing Fee
  UOB charges a one-time processing fee.
• Annual Fee
  There are no recurring annual fees throughout the loan tenure. This fee-free structure helps businesses forecast long-term financing costs with greater clarity and avoid unnecessary overhead.
• Penalty Fees
  UOB’s TBLP does not impose penalty charges for early repayment, missed instalments or loan restructuring. Borrowers gain maximum flexibility and cost control during uncertain business cycles.
• Hidden Charges
  Apart from the disclosed processing fee, UOB does not add hidden fees such as maintenance charges, account servicing costs or disbursement levies. This transparent structure reflects the government’s effort to keep SME financing accessible and fair.

Overview of Interest Rates

Eligibility for UOB Temporary Bridging Loan

• Business Registration and Incorporation
  To qualify for UOB’s temporary bridging loan, applicants must be businesses registered and operating in Singapore. Additionally, the company must have been incorporated for a minimum of 3 years at the time of application. This requirement ensures funding is directed toward established enterprises with operational track records.
• Minimum Annual Turnover Requirement
  Eligible businesses must have an annual turnover of at least S$750,000. This criterion helps UOB assess a company’s repayment capacity and ensures that the loan is extended to businesses with proven revenue performance.
• Applicable to SMEs Across All Sectors
  The loan is available to SMEs across a wide range of industries, including but not limited to retail, manufacturing, logistics and services. UOB evaluates applications based on financial viability rather than sector alone, allowing broader access across the SME ecosystem.
• No Minimum Loan Size Required
  Unlike some commercial loans that require a high entry threshold, UOB’s TBLP has no minimum loan amount. This flexibility makes it accessible for smaller businesses needing limited working capital as well as larger companies seeking more substantial funding.
• Credit and Financial Assessment
  All applications are subject to UOB’s internal credit evaluation. Businesses will need to submit financial statements, income tax records and bank statements as part of the due diligence process to determine eligibility and loan terms.