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Terms & ConditionsCapitall’s business-to-business loan provides short-term working capital support for small and medium enterprises in Singapore. This financing option suits fast-growing companies that require quick access to funds while maintaining flexibility in tenure, loan size and qualification criteria. It is a practical choice for both startups and well-established firms seeking liquidity.
The loan carries a flat monthly interest rate of 3% with no annual fee. Its structure is designed to ease cash flow pressure without locking businesses into long-term obligations. Borrowers can apply for amounts of up to S$300,000 with repayment periods of up to 12 months. This setup aligns with the short operational cycles common among SMEs that need quick turnover funding.
Capitall sets low entry requirements. There is no lock-in clause, no penalty for early repayment and no minimum years of incorporation needed. Companies with at least S$100,000 in annual revenue can qualify, giving newer enterprises a fair opportunity to access financing. The loan also features quick approval and a clear cost breakdown, including a processing fee that ranges from 2% to 5% with no hidden costs.
It serves businesses that need to bridge invoice gaps, purchase inventory or finance seasonal demand. For instance, a firm borrowing S$100,000 for five months would repay a total of S$115,000, which equals a monthly installment of S$23,000 inclusive of all interest and charges.
Overall, Capitall’s business loan is a dependable funding option for SMEs that value simple applications, fast disbursement and transparent repayment terms.
Transparent Cost Structure
Capitall clearly outlines all loan costs upfront. With a fixed monthly interest rate of 3% and a processing fee ranging from 2% to 5%, borrowers can accurately forecast their total repayment obligation. There are no annual fees, no penalty charges and no hidden lock-in clauses, allowing SMEs to manage financial planning with confidence.
Short-Term Financing Flexibility
Designed for short-term use, Capitall’s Business Loan offers a maximum tenure of 12 months, ideal for businesses needing working capital without long-term debt obligations. This flexibility suits companies aiming to bridge short-term gaps or capitalize on seasonal growth opportunities.
Low Entry Barriers
The minimum requirements for this loan are inclusive and startup-friendly. Companies can apply without meeting any minimum years of incorporation, provided they meet the minimum turnover of S$100,000. This makes Capitall’s offering one of the most accessible SME financing options available in Singapore.
Scalable Loan Amounts
Businesses can borrow up to S$300,000, with the loan amount tailored to operational scale and funding needs. Whether it’s purchasing inventory, paying suppliers or expanding services, Capitall allows for scalable support proportional to the company’s financial profile.
Predictable Monthly Repayment
For a typical example, a loan of S$100,000 over 5 months results in fixed monthly repayments of S$23,000, culminating in a total repayment of S$115,000. This clarity helps businesses avoid surprises and maintain stable cash flow management across repayment periods.
| 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 13 Jan 2026 - Loan Amount Example S$150,000 In 5 Years
To begin, visit the ROSHI.sg marketplace and select Capitall Business to Business Lending Loans from the available SME loan options. This platform enables businesses to compare loan terms and initiate the application directly with Capitall’s digital interface.
Applicants will be prompted to fill in a short online form providing essential business details, including:
– Company name and registration number (ACRA)
– Annual revenue (minimum S$100,000 required)
– Requested loan amount and intended loan tenure (up to 12 months)
– Business activity and purpose of loan
This step helps Capitall assess eligibility before requesting supporting documents.
To proceed with approval, the following documents are typically required:
– Company ACRA business profile
– Latest 6 months of business bank statements
– Financial statements or GST submissions (optional but recommended)
– NRIC copies or IDs of directors/shareholders
– Loan purpose declaration (brief)
All uploads are processed securely via Capitall’s encrypted online portal.
Once documents are submitted, Capitall will conduct a brief credit assessment. If approved, applicants receive a tailored loan offer reflecting the applicable interest rate (3% per month), processing fee (2–5%) and repayment schedule.
Upon acceptance of the loan terms and digital signing of the contract, funds will be disbursed directly to the business’s registered bank account. The timeline from application to disbursement may be as short as 24–48 business hours, depending on document completeness.
Capitall offers a streamlined digital application with approvals and fund disbursement possible within 24–48 business hours, helping businesses respond quickly to urgent cash flow needs.
Borrowers enjoy full flexibility with no lock-in period and no penalty charges for early repayment, making this loan ideal for short-term financial strategies.
Businesses with no minimum years of incorporation and a minimum annual turnover of only S$100,000 can apply, opening access to funding for young or early-stage SMEs.
A consistent 3% flat monthly interest rate ensures predictability in cost, allowing businesses to plan and manage repayments without surprises.
The maximum loan tenure is 12 months, which may not suit businesses looking for long-term repayment flexibility.
Due to the short tenure and flat interest rate, monthly instalments (e.g., S$23,000 for a S$100,000 loan over 5 months) can be high, potentially straining monthly cash flow if not carefully planned.
