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Terms & ConditionsAnnual Interest Rate
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Monthly Repayment
Apply NowRHB offers a competitive Working Capital Loan tailored to businesses in need of short-term financing. With an interest rate of 7% per annum, this loan provides affordable financing options for companies operating in Singapore. The loan is designed to support businesses with flexible funding needs, offering up to S$300,000 in financing without the burden of a lock-in period or annual fees.
RHB’s working capital loan is available to businesses with a minimum turnover of S$750,000 and a minimum incorporation period of 2 years, ensuring that established companies can access funding to meet operational demands. The bank charges a processing fee of 1-2%, making it a cost-effective option for companies seeking working capital.
This loan is ideal for businesses looking to manage cash flow, cover operational expenses or seize new business opportunities. With a loan tenure of up to 5 years, businesses can select a repayment schedule that aligns with their financial capabilities.
RHB’s straightforward approach to the application process, combined with its flexible terms, makes this loan a strong contender for businesses looking to secure financing with minimal complexity.
Interest Rate & Flexibility
The RHB working capital loan offers a competitive interest rate of 7% per annum. This rate provides businesses with an affordable borrowing option compared to other financial products in the market. With no annual fees and no lock-in period, businesses have the flexibility to repay the loan according to their financial capacity without the burden of long-term commitments.
Loan Amount & Tenure
Businesses can access financing of up to S$300,000, which is suitable for companies with varied financial needs. The loan can be taken for a maximum tenure of 5 years, allowing businesses to manage their cash flow more effectively while avoiding excessive monthly payments. This flexibility makes it easier for businesses to tailor the loan to their specific needs.
Eligibility Requirements
To qualify for the loan, businesses need to meet specific criteria, including a minimum annual turnover of S$750,000 and at least 2 years of operation. These requirements ensure that the loan is tailored to established businesses with stable financial histories. There is no minimum income requirement for the business owner, which makes the loan accessible to a wide range of enterprises.
Accessibility & No Lock-In Period
With no lock-in period, businesses are not tied down by a long-term commitment, giving them the freedom to repay early or adjust as needed. This feature enhances the overall accessibility and attractiveness of the loan, allowing businesses to make the most of favorable financial conditions when possible.
| 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 13 Jan 2026 - Loan Amount Example S$150,000 In 5 Years
To begin the application process for the RHB working capital loan, visit the ROSHI marketplace and follow the link to RHB’s dedicated page. The application can be completed online, making it quick and convenient for businesses to submit their loan requests.
The application process is streamlined through the use of digital tools. Required documents include your business’s financial statements, proof of turnover and incorporation details. For verification purposes, you may need to provide your company’s most recent financial records and tax documents. This ensures that RHB can assess your business’s eligibility effectively and promptly.
Once all the necessary documents are submitted, RHB will review your application and provide an approval decision within a short time frame. This process is designed to be fast and efficient, allowing businesses to quickly determine whether they qualify for the loan.
Upon approval, the loan amount will be disbursed promptly, usually within a few business days, directly into the company’s designated account. This quick turnaround ensures that businesses can access the necessary funds to meet their working capital needs without unnecessary delays.
After the loan is disbursed, businesses can review and set up repayment terms according to the agreed-upon schedule. The repayment process is flexible, with no lock-in period, allowing businesses to adjust their payments as needed based on their cash flow situation.
The RHB working capital loan offers a fixed interest rate of 7% per annum, making it an affordable option for businesses looking for financing. The relatively low rate ensures that businesses are not burdened with excessive interest costs over the life of the loan.
This loan comes with no lock-in period, allowing businesses to repay the loan early without incurring additional charges. This flexibility helps businesses better manage their cash flow and take advantage of favorable financial conditions.
One of the key benefits is the absence of annual fees. This allows businesses to borrow without worrying about recurring costs, making it a cost-effective option for long-term financing.
Businesses can access loans of up to S$300,000, with a repayment tenure of up to 5 years. This flexibility in loan amount and repayment terms ensures that businesses can tailor the loan to meet their specific needs and financial capabilities.
While the processing fee of 1-2% is relatively standard for loans of this type, it is a cost that businesses should consider when assessing the overall cost of borrowing.
