Updated July 14, 2025
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Disclaimer
Terms & Conditions
Annual Interest Rate
Max Loan Amount
Processing Fee
ORIX 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.
Loan Amount
Loan amounts go up to S$500,000, with approval often granted within 24 to 72 hours. This range gives companies the flexibility to scale up or smooth cash flow without waiting on complex bank approvals.
Repayment Terms
Repayment terms are generally capped at 36 months, with fixed monthly instalments. While this shorter tenure ensures faster repayment, it may require higher monthly outflows compared to longer-term loans.
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% | 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
Business registration
Available to ACRA-registered SMEs, including sole proprietorships, partnerships, and private limited companies.
Operating history
ORIX supports start-ups and young companies without requiring the usual two years of turnover history.
Guarantor requirements
Company directors/shareholders must provide a personal guarantee.
Documentation needed
Approval is based on just three months of bank statements, with minimal additional paperwork.
In short, ORIX Leasing’s business term loan is accessible even to new SMEs, requiring only basic documentation and a personal guarantee—ideal for businesses without long operational records.
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.
Approval can be completed within 24–72 hours for eligible applicants.
Unsecured loan—no physical assets required as security.
Startups and SMEs with limited operating history can apply.
Loan amounts of up to S$500,000 available.
Maximum tenure is 36 months, shorter than many competitors.
Interest rates are not published upfront; applicants must go through assessment.
