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ROSHI is your reliable partner for securing business loans in Singapore. We simplify the loan application process by connecting you with reputable lenders that provide flexible financing options.
Our online platform lets you compare a wide range of loan products so you can find the most suitable deal for your business needs. Whether you operate a new startup or an established company, we make it easier to access competitive business loans in Singapore without the hassle of visiting multiple banks or moneylenders.
A business line of credit offers an ideal solution for companies that need ongoing access to funds. With ROSHI, you can easily apply for a revolving credit facility that matches your financial requirements.
Our platform connects you with lenders offering flexible repayment terms along with competitive interest rates, giving you the ability to manage cash flow effectively. This type of credit provides the flexibility to draw funds whenever necessary and repay according to your preferred schedule, making it perfect for businesses with fluctuating expenses.
When applying for a business loan, understanding interest rates is essential to controlling overall costs.
ROSHI provides clear insights into the rates offered by different lenders to help you find the most cost-effective financing option. We collaborate with multiple lending partners so you can access competitive rates whether you seek a short-term loan or a long-term financing plan. By using our platform, you avoid the confusion of comparing different loan structures and make an informed decision that aligns with your financial objectives.
If you want a business loan from a bank, ROSHI gives you direct access to trusted financial institutions that provide tailored loan packages. If you want a business loan from a bank, ROSHI gives you direct access to trusted financial institutions that provide tailored loan packages.
We understand that banks often maintain strict approval criteria. With our expert guidance, you can navigate the process with confidence. From S$100,000 working capital loans to larger financing solutions, our platform connects you with the right banks in Singapore to secure the funding required to grow your business.
| 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 01 Jan 2026 - Loan Amount Example S$150,000 In 5 Years
A business loan is a financing solution created to help enterprises manage operating costs, expand infrastructure or handle short-term cash flow challenges. In Singapore, banks, licensed moneylenders and alternative lenders provide a variety of options such as term loans, working capital loans, equipment financing, invoice financing and bridging loans.
These loans may come as a fixed credit amount or a revolving credit facility. The typical range is from S$5,000 to more than S$500,000 with repayment periods that can stretch from a few months to several years. Lenders usually consider factors like the company’s operating history, annual turnover and the credit profile of the directors when deciding eligibility.
Singapore’s financial landscape offers government-assisted schemes such as the Enterprise Financing Scheme together with private funding options that help SMEs and startups access capital with ease. Compared with traditional bank loans, licensed moneylenders can provide quicker approvals, minimal paperwork and flexible repayment structures, which makes them attractive for businesses that need urgent funding.
Whether you plan to expand your team, invest in new technology or cover supplier payments, a business loan delivers the capital required to support growth and maintain operations.
A business loan is a form of financing that allows companies, especially small and medium enterprises, to obtain funds for daily operations or strategic expansion. It can be used for launching a startup, hiring staff, purchasing equipment, covering payroll or settling supplier invoices. This type of loan helps maintain steady cash flow and ensures business continuity.
In Singapore, both banks and licensed moneylenders provide business loans with packages tailored to different company sizes and financial conditions. Unlike personal loans, lenders evaluate business revenue, operating history and the creditworthiness of directors or guarantors before approval.
Common types of business loans include:
Interest rates generally fall between five and fifteen percent per year depending on the lender and specific loan terms. Repayment tenures usually range from six months to five years. Government-assisted options like the Enterprise Financing Scheme can provide lower interest and partial risk sharing.
Licensed moneylenders often stand out for their faster approval processes, simple documentation requirements and flexible repayment plans. This makes them particularly useful for young or rapidly growing businesses with limited credit history.
Understanding these fundamentals allows entrepreneurs to choose a financing method that matches cash flow, business goals and repayment capacity.
Businesses can access a variety of loan options. Common choices include working capital loans, equipment financing, term loans, invoice financing and short-term funding. Government-assisted schemes or loans from licensed moneylenders in Singapore may also provide flexible terms and quicker approval.
Lenders evaluate the financial health of your company. They consider cash flow, credit history and annual revenue. A strong credit score for both the business and the directors improves eligibility. Required documents often include business registration papers, tax filings and recent financial statements.
Rates depend on the loan type, your credit profile and the chosen lender. Bank loans may range from four to eight percent per year. Licensed moneylenders might offer flexible terms with monthly rates between one and five percent. Always compare the full cost of borrowing, including processing charges and any additional fees.
Processing time varies with each lender and the complexity of the application. Traditional banks may require several weeks, while licensed moneylenders can often approve applications within twenty-four to forty-eight hours if all documents are complete.
Yes. Certain licensed moneylenders or alternative lenders may approve loans for businesses with weak credit records, though higher interest rates or stricter repayment schedules may apply. Improving your credit profile before applying remains the best approach.
Many lenders permit early repayment without penalty. Always review the loan contract to check for prepayment conditions since some lenders may impose fees for settling the loan ahead of schedule.
Before applying for a loan, define the purpose clearly. Determine whether the funds are for working capital, asset acquisition or business expansion. Selecting the right loan type such as a working capital loan, a bridging loan or equipment financing helps you structure the application and plan repayments effectively.
Lenders such as banks or licensed moneylenders usually review your company’s cash flow, annual revenue and current liabilities. Well-prepared profit and loss statements, balance sheets and recent bank statements strengthen credibility and speed up the decision process.
Approval often depends on the credit standing of the company as well as the personal credit score of directors or guarantors. Timely repayment of past debts together with careful use of credit lines shows financial discipline and improves approval chances.
Avoid accepting the first offer you receive. Use comparison platforms or seek advice from financial consultants to evaluate interest rates, processing fees, repayment periods and early repayment terms across different lenders.
Look into Enterprise Singapore programmes such as the Enterprise Financing Scheme which provides partially guaranteed loans with attractive rates for SMEs.
Submit all required documents accurately. This usually includes the ACRA business profile, GST filings and identification of directors. Missing paperwork can cause delays or lead to rejection.
Mastering your loan moves starts with understanding the real cost of borrowing. We believe in empowering you with the right knowledge to make smart financial choices, not quick fixes that lead to debt traps. Our commitment is helping you borrow wisely and stay in control of your money.
Read Our Borrowing Guide
.Don't be a fool! #roshi #singapore #lending #borrowing
Trust the original! #roshi #singapore #lending #borrowing
.Don't be a fool! #roshi #singapore #lending #borrowing
Trust the original! #roshi #singapore #lending #borrowing
.Don't be a fool! #roshi #singapore #lending #borrowing
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