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Terms & ConditionsReachout Capital’s business to business loans offer tailored financing solutions for SMEs in Singapore looking for short-term working capital. Designed for businesses with a minimum annual turnover of S$50,000 and at least 1 year of incorporation, this product bridges urgent funding gaps with rapid access to funds up to S$200,000.
The loan product features a competitive monthly interest rate of 5% and does not impose an annual fee or penalty charges, making it attractive for companies seeking transparent, predictable repayment terms. Businesses can borrow a principal amount of up to S$100,000, with a total repayment obligation of S$125,000 over a 5-month tenure, highlighting the cost of financing clearly at the outset.
One standout element of Reachout Capital’s offering is its fixed processing fee structure ranging from 3% to 6%, which replaces hidden or fluctuating charges often found in alternative lending products. Additionally, with a lock-in period of 3 months, borrowers gain some flexibility after the initial quarter of the loan term.
This B2B lending solution is ideal for SMEs that require fast cash injections to fund operations, inventory or growth initiatives and prefer straightforward repayment schedules without long-term commitments or unpredictable fees.
Fixed Monthly Repayment Structure
With a fixed monthly instalment of S$25,000 over a 5-month tenure for a S$100,000 loan, businesses can plan cash flow with certainty. This fixed structure eliminates surprises and simplifies budgeting, which is crucial for SMEs managing tight operational cycles.
Short-Term Financing with Defined Cost
The loan caps its maximum tenure at 12 months, making it ideal for short-term business needs. The interest total of S$25,000 over a 5-month plan ensures transparency in cost, helping businesses evaluate ROI from capital deployment upfront.
Moderate Entry Barriers
To qualify, companies must have at least S$50,000 in annual turnover and 1 year of incorporation, which accommodates young and growing businesses while ensuring responsible lending standards.
Reasonable Lock-In Period
A 3-month lock-in period offers an initial commitment window after which businesses gain flexibility. This suits businesses with fluctuating capital needs while still ensuring lender security in the early phase of the loan.
| 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
Start your loan application by visiting the ROSHI.sg marketplace. Locate the Reachout Capital Business to Business Lending Loan listing and click through to begin the guided application process. The interface is optimized for quick SME submissions.
Prepare to input basic business details, including company name, registration number, incorporation date and annual turnover. Reachout Capital requires proof that your business has been incorporated for at least 1 year with an annual revenue of S$50,000 or more.
Applicants may be required to upload relevant financial and identification documents such as:
– ACRA Business Profile (latest)
– Recent company bank statements (3–6 months)
– Proof of revenue or invoices
– Director NRIC/passport and contact information
Upon submission, Reachout Capital conducts a creditworthiness assessment and internal risk evaluation. If further clarification is needed, their team may reach out for follow-up.
Once the loan is approved, all agreements are signed digitally. Funds of up to S$200,000 are then transferred directly to your business bank account. Repayments begin the following month according to the set schedule.
After disbursement, note the 3-month lock-in period. Monthly instalments (e.g., S$25,000/month for a S$100,000 loan) are auto-deducted per schedule.
Quick approval and disbursement process allows businesses to receive funds shortly after submitting required documentation.
Fixed monthly instalments (e.g., S$25,000/month for a S$100,000 loan over 5 months) simplify financial planning.
Zero annual fee and no penalty charges for late or early repayment provide cost transparency and flexibility.
Accessible to SMEs with just 1 year of incorporation and S$50,000 annual turnover, supporting young and growing businesses.
A fixed 5% per month interest rate may be relatively steep compared to traditional banking products.
Maximum 12-month tenure may not suit businesses needing long-term financing.
