Updated July 14, 2025
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Terms & Conditions
Annual Interest Rate
Max Loan Amount
Processing Fee
Capitall’s business to business loan is a short-term working capital solution designed to support small and medium enterprises (SMEs) in Singapore. Tailored for fast-growing businesses needing quick liquidity, this financing product offers flexibility in tenure, loan amount, and eligibility requirements—making it highly suitable for startups and established firms alike.
With a monthly flat interest rate of 3% and no annual fee, the loan is competitively structured to meet immediate cash flow demands without the burden of long-term commitments. Applicants can access up to S$300,000, with maximum tenure capped at 12 months, which aligns with the operational cycles of many SMEs requiring fast turnover funding.
Capitall also offers minimal barriers to entry: no lock-in period, no penalty fee, and no minimum years of incorporation. Businesses with an annual turnover starting from S$100,000 are eligible, making the product accessible even to relatively new enterprises. A key feature is its fast approval and transparent cost structure, including a processing fee ranging from 2% to 5%, with no hidden charges.
This product is ideal for companies that need to bridge invoice gaps, purchase inventory, or fund seasonal operations. For example, a business borrowing S$100,000 over 5 months would pay a total of S$115,000, translating to a monthly installment of S$23,000, inclusive of all interest and fees.
Capitall’s business loan stands out as a reliable choice for SMEs in need of rapid, short-term financing with simple application processes and predictable repayments.
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.
Monthly Interest Charges
The loan carries a flat interest rate of 3% per month, applied to the principal amount. This rate is consistent and does not fluctuate throughout the loan tenure, allowing businesses to forecast repayment obligations with certainty.
Processing Fee
A processing fee between 2% and 5% of the approved loan amount is applied upfront. The exact rate within this range may depend on factors such as credit assessment, loan size, and repayment history. For a loan of S$100,000, the fee could range from S$2,000 to S$5,000.
Annual Fee
Capitall charges no annual fee, making this business loan a cost-effective option over its short maximum tenure of 12 months. This differentiates it from many competitors that impose recurring annual charges regardless of loan length.
Penalty Charges
There are no penalty fees applied for early repayment or late payment under the current terms. This provides businesses with additional financial flexibility, particularly in scenarios of unexpected cash flow changes or early settlement capabilities.
| 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
Minimum Turnover Requirement
To qualify, businesses must have a minimum annual turnover of S$100,000. This threshold ensures that applicants have a basic level of financial activity, making the loan feasible for operational use and structured repayments.
No Minimum Years of Incorporation
Unlike many traditional lenders, Capitall does not require a minimum number of years since incorporation. This makes the loan accessible to startups and newly-formed companies, provided they meet turnover and documentation standards.
Entity Type
The product is available to registered businesses and companies operating in Singapore. This includes private limited companies, partnerships, and sole proprietorships, provided they maintain an active business registration status.
Documentation
While the loan process is streamlined, applicants must provide supporting documents to verify financial health and operational legitimacy.
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.
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.
