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Monthly Repayment
Apply NowORIX Leasing’s working capital loan offers a strategic financing solution tailored for SMEs in Singapore seeking to stabilize cash flow, fund daily operations, or support short-term expansion. As a subsidiary of the globally recognized ORIX Corporation, ORIX Leasing leverages its financial strength to deliver practical lending options to local businesses.
With a competitive annual interest rate of 7% and no annual fees, this loan is positioned to assist businesses with flexible access to capital without hidden long-term costs. The maximum loan amount of S$300,000 and a tenure of up to 4 years provide a healthy balance between repayment flexibility and financing capacity.
Importantly, ORIX Leasing imposes no minimum application requirements, making the loan more accessible to a wider range of SMEs. However, applicants must meet basic criteria such as having a minimum turnover of S$750,000 and at least 2 years of incorporation to ensure repayment credibility.
This product is especially suitable for growth-oriented businesses that value financial predictability and are looking for medium-term capital without the burden of complex fee structures.
Key Factors
Competitive Interest Rate
ORIX Leasing offers a flat annual interest rate of 7%, providing cost predictability for businesses seeking stable financing. This rate is fixed, helping SMEs plan cash flow without worrying about fluctuating borrowing costs.
Accessible Capital Size
The maximum loan amount of S$300,000 is structured to support a wide range of business needs such as purchasing inventory, bridging receivables or scaling operations during growth phases.
Flexible Repayment Tenure
Borrowers can select a repayment period of up to 4 years, aligning repayment schedules with their business cycles. This mid-term option ensures flexibility while keeping interest costs under control.
No Annual Fees
Unlike many traditional financing products, ORIX Leasing’s loan has no annual maintenance fees. This reduces the overall cost of borrowing and simplifies financial forecasting for small and mid-sized 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. Simply select ORIX Leasing’s working capital loan from the business loan options and proceed with the online form submission.
To evaluate your application, ORIX requires standard business documentation. These typically include:
– ACRA business profile
– Latest 6 months’ bank statements
– Latest 2 years’ financial statements
– NRIC copies of company directors
– Loan application form (provided during the process)
These documents allow ORIX to assess your company’s cash flow, operational history and creditworthiness.
Once submitted, applications are reviewed internally. If all required documents are in place and eligibility is met, preliminary approval may be granted within 5–7 business days. Final approval timing depends on verification and underwriting outcomes.
After final approval, you will be scheduled for a signing appointment. The loan amount (up to S$300,000) will be disbursed directly into your company’s designated bank account, usually within a few business days post-signing.
Approved loans are subject to a 4-year lock-in period. Early repayment requests during this time must be discussed with ORIX and may trigger penalty fees.
Borrowers benefit from a clear cost structure with no recurring annual fees, reducing total cost of borrowing over time.
Loan amounts of up to S$300,000 offer businesses substantial working capital support for operational and growth needs.
The 7% fixed annual interest rate ensures predictability and stability for financial planning throughout the loan tenure.
Businesses can apply for smaller amounts without restriction, making the loan accessible for varying capital needs.
Early repayment before the end of the 4-year tenure may incur penalty fees, limiting flexibility for businesses wanting to repay early.
Minimum turnover of S$750,000 and 2 years of incorporation may exclude startups and smaller-scale enterprises.
