Updated July 14, 2025
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Disclaimer
Terms & Conditions
Annual Interest Rate
Max Loan Amount
Processing Fee
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.
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.
Stable Interest Rate
UOB’s temporary bridging loan features a fixed annual interest rate of N/A, offering predictability in repayment planning. Unlike variable rate products, this consistent rate helps businesses manage financing costs without surprise increases over time.
Wide Loan Range up
Enabling SMEs to access significant funding to support operations, bridge cash flow gaps, or finance business continuity plans. There is no minimum loan threshold, making it accessible for both modest and large capital needs.
Flexible Tenure
Borrowers can choose a tenure of up to 5 years, allowing manageable monthly repayments.
No Lock-In or Early Repayment Penalty
UOB imposes no lock-in period or penalty fees for early repayment. This gives businesses the freedom to repay the loan ahead of schedule without incurring additional costs — an advantage for companies experiencing cash inflows earlier than expected.
Minimal Entry Barriers
With no minimum loan amount and a modest eligibility requirement in annual turnover and 3 years of incorporation, the programme accommodates a wide spectrum of SMEs, from growing startups to more established firms.
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 offers zero penalty charges for early repayment, missed instalments, or loan restructuring—providing borrowers maximum flexibility and cost control during uncertain business cycles.
Hidden Charges
Aside from the disclosed processing fee, UOB does not impose hidden fees such as maintenance charges, account servicing fees, or disbursement levies. This transparency aligns with the government’s effort to keep SME financing accessible and fair.
| 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 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.
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.
Borrowers benefit from predictable monthly instalments with a non-fluctuating annual interest rate, making budget planning more reliable.
Suitable for SMEs requiring substantial capital for expansion, cash flow management, or bridging large operational gaps.
UOB waives all yearly maintenance fees, reducing the overall financing burden throughout the 5-year term.
Early repayment is allowed with no penalty fees, offering businesses repayment freedom as their cash position improves.
An upfront processing fee is deducted from the approved loan, which could impact cash flow for businesses needing the full disbursed amount.
Minimum turnover and 3 years of incorporation may exclude younger startups or micro-enterprises from applying.
