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Terms & ConditionsAnnual Interest Rate
Max Loan Amount
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Monthly Repayment
Apply NowStandard Chartered Bank’s working capital loan is designed to support the short-term liquidity needs of Singapore-based businesses, providing flexible financing for operational costs, supplier payments and business expansion. With a competitive interest rate of 7% per annum and no annual fee, this facility is ideal for SMEs seeking accessible funding without complex barriers.
Unlike many other business loans, Standard Chartered Bank’s working capital loan does not impose any lock-in period, giving business owners the freedom to restructure or repay early without penalty. The maximum loan amount reaches up to S$500,000, with a tenure of up to 5 years, allowing companies to manage their cash flow with ease and predictability.
This loan product is particularly suitable for companies with at least 2 years of incorporation and a minimum annual turnover of S$750,000, reflecting Standard Chartered Bank’s commitment to supporting established yet growing enterprises in Singapore’s dynamic business landscape.
The processing fee ranges from 1% to 2%, but with no hidden charges or penalty fees, the total cost of borrowing remains transparent and manageable. This makes Standard Chartered Bank’s working capital loan a reliable financial tool for SMEs navigating today’s volatile market conditions.
Flexible Loan Ceiling
Standard Chartered Bank offers working capital loans of up to S$500,000, providing businesses with substantial cash injection to manage day-to-day operations or fuel short-term growth initiatives. This upper limit gives SMEs the flexibility to access the level of funding they require without being overly constrained.
Streamlined Qualification Criteria
There is no minimum requirement for application, aside from having at least S$750,000 in annual turnover and a minimum of 2 years of incorporation. These conditions make the loan accessible to a wide range of established SMEs that may not qualify for stricter corporate financing products.
Competitive Cost Structure
With a flat interest rate of 7% per annum and a processing fee ranging from 1% to 2%, the loan maintains a transparent cost structure. Importantly, there are no annual fees, penalty charges or lock-in period, reducing financial friction and enabling greater repayment flexibility.
Predictable Tenure Options
Businesses can select repayment terms of up to 5 years, offering predictability in monthly outflows. This helps in aligning repayment schedules with the company’s revenue cycles, which is essential for effective working capital management.
Zero Lock-in Enhances Financial Agility
The absence of a lock-in period allows companies to repay early or restructure financing strategies without incurring additional costs. This feature supports dynamic cash flow decisions in fast-changing business environments.
| 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 by visiting the ROSHI marketplace and navigate to the Standard Chartered Bank Bank working capital loan section. Click through to begin the application process directly via Standard Chartered Bank’s partner portal.
Complete the online form by providing basic company details, including your UEN, nature of business and contact information. Ensure your company profile aligns with Standard Chartered Bank’s eligibility criteria, including incorporation age and turnover.
Prepare and upload the following documents for verification and assessment:
– Company ACRA BizFile
– Latest 6 months of bank statements
– Latest financial statements or management accounts
– GST submission (if applicable)
– Director’s NRIC or Passport copy
Standard Chartered Bank’s business banking team will evaluate your application, typically within 3 to 5 business days. If required, they may request additional documents or clarification to finalize the assessment.
Upon approval, you will receive an offer letter outlining the loan amount, interest rate, tenure and fee structure. Once signed, the approved funds will be disbursed to your company account, typically within 1–2 business days.
Standard Chartered Bank does not impose any recurring annual fees, which helps businesses manage costs more effectively over multi-year loan periods.
Borrowers have the flexibility to repay early or refinance without facing penalties. This is a rare advantage in SME financing.
With funding available up to S$500,000, the loan can support substantial operational needs, cash flow gaps or short-term investments.
Streamlined digital application process with online document submission shortens time-to-approval and reduces manual errors.
Requires a minimum annual turnover of S$750,000 and at least 2 years of incorporation, excluding startups and early-stage companies.
Flat-rate structure means businesses with stronger credit profiles may not benefit from preferential or lower interest brackets.
