Fact-Checked
Disclaimer
Terms & ConditionsAnnual Interest Rate
Max Loan Amount
Processing Fee
Monthly Repayment
Apply NowORIX Leasing Singapore, a subsidiary of the globally recognized ORIX Corporation, is known for its strong financial backing and longstanding presence in the region’s commercial lending space. With a reputation for supporting SMEs and mid-sized enterprises, ORIX offers flexible business term loans (business term loans) designed to empower growth and manage working capital needs.
The ORIX business term loan stands out for its straightforward application process and tailored financing options. Catering to both new and established businesses, the loan features competitive interest rates and flexible tenures. Currently, the annual interest rate starts from approximately 8.5%, with the Effective Interest Rate (EIR) varying depending on the company’s credit profile, loan amount and repayment structure.
ORIX also provides a degree of customization, meaning interest rates and terms may differ from the advertised rates based on the applicant’s financial standing and risk assessment. This makes ORIX a solid choice for businesses looking for personalized loan solutions without overly stringent collateral requirements.
Interest Rates
Interest rates for ORIX Leasing’s business term loan typically average around 8.5% EIR per annum, though actual rates are customized based on business profile, tenure and loan size. This makes ORIX a competitive choice for SMEs looking for unsecured, fast-access funding.
In conclusion, ORIX Leasing’s business term loan is best suited for SMEs looking for medium-sized loans and rapid disbursement without the need for collateral. Its simplified approval and competitive interest structure make it ideal for companies seeking agility and speed in financing.
Processing Fee
ORIX Leasing typically charges a processing fee of 1% to 2% of the approved loan amount. This fee is deducted upfront and covers administrative and disbursement costs.
Early Repayment Fee
There are no early repayment penalties, making it flexible for businesses that wish to settle their loans early. If you’re borrowing S$100,000, expect to pay between S$1,000 to S$2,000 in fees. The total loan cost can sometimes be negotiated depending on your business profile and credit standing.
| 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 12 Jan 2026 - Loan Amount Example S$150,000 In 5 Years
In summary, ORIX Leasing’s business term loan is designed for accessibility. Even new companies with limited financial history can qualify as long as they meet basic requirements and provide a personal guarantee.
Get in touch with ORIX through the official website, email or by speaking directly with a business loan consultant.
Prepare a few essential documents such as the NRIC of the guarantor, the company’s ACRA business profile and the latest three months of bank statements. These records help verify the company’s financial standing and eligibility.
ORIX will carry out a brief evaluation of your business performance and overall financial health. This initial review helps determine whether the company meets the lending criteria.
For businesses that qualify, approval is usually completed within one to three working days. The quick turnaround time ensures minimal delay in securing funding.
After the loan agreement is finalized and signed, the approved funds are released to the company’s account promptly, often within the same week.
Eligible applicants can receive approval within one to three working days, making it ideal for businesses that need quick access to capital.
This is an unsecured loan, meaning businesses do not have to pledge any physical assets to qualify.
Startups and small enterprises with limited operational history are welcome to apply, giving new companies an opportunity to secure funding early.
Borrowers can obtain financing of up to S$500,000, which provides sufficient capital for expansion, inventory purchases or working capital.
The repayment period extends up to a maximum of 36 months. This is shorter than the terms offered by several other lenders, so borrowers must plan cash flow carefully.
Rates are not publicly listed. Each applicant receives a tailored offer after evaluation, which may make comparisons with other lenders less straightforward.
