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Apply NowMaybank, a leading Southeast Asian banking group with a strong footprint across Singapore and the region, offers the working capital loan tailored for SMEs seeking financial agility. This loan solution is part of Maybank’s broader commitment to supporting business sustainability, particularly for companies navigating operational cash flow needs and growth cycles.
With an annual interest rate of 7.88% and no annual or penalty fees, the Maybank working capital loan stands out for its transparent cost structure. The loan is designed for businesses with at least S$500,000 in annual turnover and a minimum incorporation period of 2 years, making it accessible to a wide range of stable SMEs across industries.
Borrowers benefit from a flexible tenure of up to 5 years and can apply for loan amounts up to S$500,000, offering a reliable buffer for cash flow management, vendor payments, inventory purchases or business expansion.
Maybank’s product positions itself as a risk-mitigated financing option with no lock-in period, giving entrepreneurs the freedom to repay without being tied down. This flexibility, paired with a competitive interest rate and minimal processing fee (1–2%), makes it an attractive working capital solution for growth-focused businesses in Singapore.
Competitive Interest Rate
With a fixed annual interest rate of 7.88%, Maybank offers SMEs a straightforward financing option without hidden costs. The rate is suitable for businesses looking for predictable repayment obligations while managing day-to-day operations.
High Loan Cap for Expansion Needs
The loan supports funding needs of up to S$500,000, allowing eligible businesses to invest in working capital, inventory, payroll or short-term growth strategies without seeking multiple lenders.
Flexible Repayment Period
Maybank allows a maximum tenure of up to 5 years, giving SMEs the ability to choose a repayment schedule that aligns with their revenue cycles and avoids monthly cash flow strain.
Low Barrier to Entry for Established SMEs
The loan requires no minimum income for application but sets reasonable business thresholds: a minimum turnover of S$500,000 and at least 2 years of incorporation, ensuring the product is accessible yet tailored for credible, growth-ready businesses.
| 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
Start your application directly through ROSHI’s marketplace by selecting the Maybank working capital loan. The platform streamlines loan comparison and submission for faster processing.
Applicants must prepare standard business documentation. Maybank typically requests:
– ACRA Business Profile
– Latest 2 years of financial statements
– Latest 6 months’ bank statements
– Director’s NRIC or passport copy
– Proof of business operations (e.g., invoices, contracts)
This documentation helps verify incorporation age, turnover and operational stability.
Maybank conducts a credit and risk evaluation based on submitted documents. As there is no fixed minimum credit score, approval depends on overall business performance and cash flow sustainability.
Once approved, a formal loan offer is issued. After acceptance, funds are disbursed promptly to the designated business account, usually within a few working days.
Maybank’s process is straightforward, fully transparent and ideal for SMEs seeking quick access to working capital without heavy administrative hurdles.
Fixed annual interest rate of 7.88%, offering clear and predictable borrowing costs for SMEs.
Maybank charges no annual fee and no penalty fee, allowing businesses to save on long-term costs and repay early without consequences.
Loan tenure of up to 5 years lets borrowers align repayments with business cycles and reduce cash flow pressure.
Access up to S$500,000, ideal for operational expansion, inventory needs or short-term working capital boosts.
Requires a minimum of 2 years of incorporation and S$500,000 turnover, limiting access for startups or micro-enterprises.
A 1–2% processing fee is applied at the beginning, which could impact the effective loan amount received upfront.
