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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—matching you with lenders that understand small business cycles and 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, fast and hassle-free.
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 having to approach each bank individually. With just one application, you unlock access to a curated range of offers from trusted financial providers, including banks and fintech lenders. Whether you’re 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 gives you clear, unbiased insights into the current interest rate on working capital loan options in Singapore.
We help you break down offers across banks and alternative lenders so you know exactly what you're signing up for—APR, fees, repayment flexibility, and more. Our system doesn’t just show you the lowest rate; it matches your financial profile with lenders offering the best overall value. Business owners can finally move beyond guesswork and access 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—often 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, instant verification tools, and automated approval systems, we remove the wait from working capital funding. 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% | 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
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—be it purchasing inventory, paying staff salaries, or covering overhead costs such as rent and utilities.
The key feature of a working capital loan is that it is typically unsecured, meaning businesses don’t have to pledge assets as collateral. Instead, lenders will assess the financial health of the business, including its creditworthiness, cash flow, and past performance. This means that even if a business doesn’t have significant assets, it can still be eligible 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, and are often structured as revolving credit lines or lump sum loans. Interest rates vary based on the lender’s assessment of risk, but they 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 having to tap 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 may impact your personal or business credit score, depending on the lender and whether they report activity to credit bureaus. Timely repayments can boost your score, while defaults can lower it.
Small and medium-sized enterprises (SMEs), seasonal businesses, startups, and even established companies facing temporary liquidity issues can benefit from a working capital loan. It’s especially helpful during low-revenue periods or when awaiting customer payments.
Some popular options include:
Loan amounts vary based on business size, revenue, creditworthiness, and the lender’s criteria. Typically, amounts range from a few thousand to several hundred thousand dollars. Online lenders may offer quicker access with flexible terms.
Approval timelines depend on the lender. Traditional banks may take several weeks due to stringent documentation requirements, while fintech lenders can approve and disburse funds within 24–72 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
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