5 Minutes Approval & Up to 1% Cashback*
We Promise ...
Quick 5 Minutes Approval
$100 Grocery Voucher*
Up to 1% Cashback*
Running an SME in Singapore means juggling cash flow while seizing growth opportunities. With our working capital loan support, ROSHI helps you streamline financing access tailored to your unique business model.
Our platform allows SME owners to easily evaluate multiple loan offers designed for short-term operational needs. Instead of navigating complex banking procedures, we simplify your journey by matching you with lenders that understand small business cycles as well as industry nuances. Whether you need funds to cover supplier payments, salaries or inventory restocking, our platform connects you with the right SME working capital loan options quickly and without hassle.
Navigating business finance in Singapore can be overwhelming with so many institutions offering different loan packages.
Our technology-enabled service helps you discover, compare and apply for the most competitive Singapore working capital loan available without approaching each bank individually. With just one application you unlock access to a curated range of offers from trusted financial providers including banks or fintech lenders. Whether you are a retail startup or an established logistics firm, ROSHI empowers you to make smarter financing decisions with speed, transparency and confidence.
Interest rates can make or break a business loan decision. ROSHI provides clear and unbiased insights into the current interest rate on working capital loan options in Singapore.
We break down offers across banks and alternative lenders so you know exactly what you are signing up for - APR, fees and repayment flexibility included. Our system does more than show the lowest rate. It matches your financial profile with lenders offering the best overall value. Business owners can finally move beyond guesswork and secure transparent financing aligned with their short-term and mid-term capital needs.
Need quick funding? Our instant working capital loan matching service helps your business access urgent financing within 24 to 48 hours.
Ideal for businesses that require immediate capital injection due to unexpected costs or seasonal demand, we connect you with fintech lenders who prioritize speed without compromising compliance. Using a streamlined application process combined with instant verification tools and automated approval systems, we remove the wait from working capital funding. This solution is perfect for startups and agile SMEs ready to move at the pace of the market.
| 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 Working Capital Loan is designed to help businesses cover their short-term operational costs, ensuring smooth daily operations without the need for long-term financial commitments. These loans can be used for a variety of purposes, including paying wages, purchasing inventory or covering any unexpected business expenses. Unlike other loans that may require the borrower to specify the purpose of the funds, working capital loans offer significant flexibility, making them ideal for businesses facing cash flow gaps.
In 2025, the demand for working capital loans continues to rise, especially among small and medium-sized enterprises (SMEs) in Singapore. As the business landscape becomes more dynamic, companies need quick access to cash in order to stay competitive and seize growth opportunities. Typically, working capital loans are unsecured, meaning they do not require collateral, although lenders will assess factors such as the business’s credit history and financial performance to determine eligibility and terms.
While interest rates for working capital loans can be higher than other types of financing, they remain an accessible and efficient solution for businesses in need of fast cash. With streamlined application processes available through platforms like ROSHI, companies can quickly secure the funds they need to manage operations without long delays.
A Working Capital Loan allows businesses to borrow funds to cover their short-term operational expenses. Unlike traditional loans that require specific purposes for the funds, working capital loans are highly flexible. They can be used for anything related to running the business such as purchasing inventory, paying staff salaries or covering overhead costs like rent or utilities.
The key feature of a working capital loan is that it is typically unsecured, meaning businesses do not have to pledge assets as collateral. Instead lenders assess the financial health of the business by reviewing its creditworthiness, cash flow and past performance. This means that even if a business lacks significant assets, it can still qualify for funding provided it demonstrates strong revenue generation and stable cash flow.
Working capital loans generally come with short repayment periods ranging from a few months to a year. They are often structured as revolving credit lines or lump sum loans. Interest rates vary based on the lender’s assessment of risk but are usually higher than long-term loans, so careful consideration is required before borrowing.
For businesses with fluctuating cash flow or seasonal sales, a working capital loan is an effective tool to ensure liquidity. It allows companies to meet immediate financial obligations without tapping into long-term reserves or equity. Whether the business is in its growth phase or facing unexpected operational costs, this type of loan offers a practical solution to maintain smooth operations.
Yes. Like any business financing, a working capital loan can impact your personal or business credit score depending on the lender and whether they report activity to credit bureaus. Timely repayments may boost your score while missed payments can lower it.
Small and medium-sized enterprises (SMEs), seasonal businesses, startups as well as established companies facing temporary liquidity issues can benefit from this type of financing. It is especially helpful during low-revenue periods or when waiting for customer payments.
Some popular options include:
Loan amounts vary based on business size, revenue, creditworthiness and each lender’s criteria. Typically, amounts range from a few thousand to several hundred thousand dollars. Online lenders may provide quicker access with flexible terms.
Approval timelines depend on the lender. Traditional banks may require several weeks due to detailed documentation requirements while fintech lenders can approve and release funds within 24 to 72 hours.
Common documents include:
Before applying, take a detailed look at your business’s short-term liabilities and income forecast. Determine exactly how much funding you need—not more, not less. Over-borrowing can lead to unnecessary interest costs, while under-borrowing can leave you short when it matters most.
Different lenders offer various structures: revolving credit lines, term loans, invoice financing, or merchant cash advances. Choose a format that aligns with your business model and repayment ability. For example, a seasonal business might benefit more from a line of credit than a lump-sum loan.
Both your business and personal credit scores matter. Lenders often assess your creditworthiness based on repayment history, outstanding debts, and credit utilization ratio. Pay off existing liabilities and correct any errors on your credit report to enhance your loan eligibility.
Lenders want to see evidence of consistent revenue and positive cash flow. Prepare updated balance sheets, profit and loss statements, and cash flow reports. Demonstrating a solid financial foundation boosts your credibility and increases your chance of getting better loan terms.
Don’t settle for the first offer. Compare multiple lenders—banks, credit unions, online lenders—to get the best interest rates, fees, and repayment terms. Understand the Annual Percentage Rate (APR) and any hidden charges before signing.
A working capital loan should support operations—not strain them. Build a repayment plan into your cash flow strategy. Automate payments if possible, and always keep a buffer in your account to avoid penalties or defaults.
Allocate loan proceeds strictly for operational needs. Avoid using them for long-term investments or personal expenses. Smart utilization ensures better return on capital and positions you well for future funding.
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
Have a question? Ask us about anything!
You're in good hands. Our team is happy to answer all of your question. Fill out the form and we'll be in touch as soon as possible.