Updated July 14, 2025
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Terms & Conditions
Annual Interest Rate
Max Loan Amount
Processing Fee
DBS’s working capital loan offers a competitive financing solution for businesses looking to manage their operational cash flow efficiently. With an annual interest rate of 7.75% and a processing fee of 1.5%, this loan provides access to significant financial support for businesses without the burden of high costs. The maximum loan amount is S$500,000, with a loan tenure of up to 5 years. This flexibility allows businesses to choose the most suitable repayment period to fit their financial strategy.
The monthly installment for a S$100,000 loan is S$2,015.70, resulting in a total amount payable of S$120,941.76 over the entire tenure. One of the key advantages is that there are no annual fees, no lock-in period, and no penalty fees for early repayments, making this loan an attractive choice for businesses seeking flexibility in managing their working capital.
Additionally, the loan is accessible to businesses with a minimum annual turnover of S$150,000 and at least 1 year of incorporation, making it suitable for a broad range of companies looking to improve their financial standing. The interest total for the loan amounts to S$20,942, ensuring clear transparency in terms of the overall cost.
Competitive Interest Rate
DBS’s working capital loan offers a 7.75% annual interest rate, which is relatively competitive compared to other business loan options in Singapore. This interest rate allows businesses to access financing at an affordable cost, with clear transparency regarding total interest payments.
Flexible Loan Amount
The loan can be customized to meet various business needs, with a maximum loan amount of up to S$500,000. This ensures that businesses, whether small or larger enterprises, can access adequate capital for operational expenses and expansion plans without being restricted by low loan limits.
Repayment Flexibility
The loan offers a maximum tenure of 5 years, allowing businesses to structure repayment schedules that align with their cash flow needs. The flexibility of repayment periods makes it easier for companies to manage their financial obligations without straining their budgets.
Predictable Monthly Payments
With a monthly installment of S$2,015.70 for a S$100,000 loan, businesses can plan their cash flows more effectively. The predictable payments allow for better budgeting and financial planning over the loan term, making it a reliable financing option.
Clear Total Payable Amount
The total amount payable over the 5-year term is S$120,941.76, which includes both principal and interest payments. This clear breakdown ensures that businesses understand the full financial commitment before proceeding with the loan.
Processing Fee
DBS’s working capital loan comes with a 1.5% processing fee. This fee is charged at the start of the loan application and is deducted from the total loan amount. It ensures that the loan application process is processed and handled efficiently by the bank.
Annual Fee
One of the key advantages of this loan is that it does not carry any annual fees. This makes it a cost-effective option for businesses, as there are no recurring charges each year, allowing companies to focus on managing their working capital without the added financial burden of annual service fees.
Penalty Fees
DBS’s working capital loan does not impose any penalty fees for early repayment. This provides businesses with the flexibility to repay the loan ahead of schedule without incurring additional charges. This feature helps companies manage their finances more effectively by reducing the overall loan cost when repaid early.
Late Payment Fees
There are no penalty fees for late payments associated with this loan. The absence of late payment fees offers further flexibility and reduces the financial burden on businesses that may face temporary cash flow issues, helping them avoid additional penalties.
| 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 Type
The DBS working capital loan is available to all businesses operating in Singapore. It is not limited to any specific industry, making it a versatile option for companies in various sectors, including retail, manufacturing, and services.
Minimum Turnover Requirement
To qualify for the loan, businesses must meet a minimum annual turnover of S$150,000. This ensures that the business has a stable financial foundation and is capable of managing the loan repayments. The turnover requirement is relatively accessible for small to medium-sized enterprises (SMEs) looking to manage their working capital.
Minimum Years of Incorporation
Eligible businesses must have been incorporated for at least 1 year. This criterion ensures that the business has a proven operational history and a track record that demonstrates its ability to manage finances over time.
No Minimum Requirement for Credit History
Unlike many other business loans, DBS does not require a specific credit score or history for eligibility. This makes the loan accessible to a wider range of businesses, including those that are new or may not have an extensive credit history.
Documentation Requirements
To apply, businesses are required to submit basic documents including identification proof, financial statements, and recent business records. Specific documentation may vary depending on the loan amount and type of business. This ensures the bank can assess the company’s financial health and verify its eligibility.
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.
The 7.75% annual interest rate makes the DBS working capital loan an affordable option for businesses looking to manage their cash flow. It provides a low-interest option compared to many other business loans available in the market.
With a maximum loan amount of S$500,000, businesses can access the capital they need for operations, expansion, or other working capital needs. The loan can be customized to suit the financial requirements of businesses of various sizes.
The absence of a lock-in period provides businesses with the flexibility to repay the loan early without incurring any extra charges. This feature allows businesses to manage their debt effectively and reduce overall interest costs by making early repayments.
There is a 1.5% processing fee on the loan, which is a one-time charge. While this fee is relatively low, it is important for businesses to factor it into their financial planning.
To be eligible for the loan, businesses must meet a minimum annual turnover of S$150,000, which may be a limitation for smaller or newly established businesses with lower turnover.
