Updated July 14, 2025
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Terms & Conditions
Annual Interest Rate
Max Loan Amount
Processing Fee
UOB Bank offers the working capital loan, a flexible financing option designed for businesses in need of working capital. This loan is available to Singaporean companies with a minimum annual turnover of N/A and at least N/A of incorporation. UOB’s working capital loan allows businesses to access funding up to N/A, with a competitive interest rate of N/A per annum and no lock-in period, giving companies the flexibility they need to manage cash flow efficiently.
The loan is ideal for businesses that do not have a specific minimum requirement for the loan amount, making it accessible to a wide range of businesses. Furthermore, there is no annual fee, and UOB does not charge any penalties for late payments, offering additional peace of mind for borrowers. The processing fee is set at N/A, making it a cost-effective solution for businesses seeking short-term capital without incurring excessive fees.
Overall, the UOB working capital loan is a reliable and cost-effective financing option for businesses looking to boost liquidity and manage day-to-day operational expenses.
Competitive Interest Rate
The UOB working capital loan offers a competitive interest rate of N/A per annum, providing businesses with an affordable financing option to manage their operational costs. This rate is fixed for the entire loan tenure, ensuring predictable payments for the duration of the loan.
Flexible Loan Amount and Tenure
Businesses can access financing up to N/A, depending on their financial needs and eligibility. The loan tenure can extend up to N/A, offering flexibility for companies to choose a repayment schedule that suits their cash flow. This flexibility allows businesses to manage their repayments effectively without overburdening their financial resources.
No Lock-In Period
One of the standout features of the UOB working capital loan is the absence of a lock-in period. This allows businesses to repay the loan earlier without incurring any additional penalties, offering greater flexibility and reducing the overall interest burden if the business decides to pay off the loan sooner.
No Minimum Requirement for Loan Amount
There is no minimum loan amount required for the UOB working capital loan, making it accessible for a wide range of businesses, whether they need smaller amounts of financing for short-term expenses or larger sums for more extensive capital needs. This makes the loan suitable for businesses of various sizes and sectors.
Processing Fee
The UOB working capital loan comes with a one-time processing fee of N/A This fee is charged when the loan is approved and covers the administrative costs of processing your application. It is a fixed fee, regardless of the loan amount, and is not subject to any additional hidden charges.
No Annual Fee
One of the key advantages of the UOB working capital loan is that it does not carry any annual fees. This ensures that businesses will not be burdened with recurring charges throughout the loan tenure, providing an affordable financing solution with minimal additional costs.
No Penalty Fees for Late Payments
UOB offers a penalty-free structure for late payments, meaning there are no extra charges if a payment is missed. However, businesses should still make every effort to settle their dues promptly to maintain a good credit history and avoid any potential negative impact on future borrowing.
No Lock-In Fee
There are no lock-in fees associated with this loan, allowing businesses the flexibility to pay off their loan early without facing any financial penalties. This feature makes it an attractive option for businesses that anticipate having the ability to pay off their loan before the maturity date.
| 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 Turnover Requirement
To be eligible for the UOB working capital loan, businesses must have a minimum annual turnover of N/A. This ensures that the loan is accessible to companies with a stable revenue stream, allowing UOB to provide financial support to businesses that are well-established in their respective industries.
Minimum Years of Incorporation
Applicants must have been incorporated for at least N/A. This requirement ensures that the loan is available to established businesses with a proven operational history, making them less risky for UOB to finance. It reflects UOB’s focus on supporting businesses that have had time to build a solid foundation.
Eligible Business Types
The UOB working capital loan is available to businesses across various sectors. Whether you’re in retail, manufacturing, or services, this loan can be an effective tool for financing working capital needs. The loan is designed for Singapore-based businesses and is open to both SMEs and larger enterprises that meet the turnover and incorporation requirements.
No Minimum Loan Amount Requirement
There are no minimum loan amounts specified, making it suitable for a wide range of business sizes. Whether your business needs a small boost or significant financing, the UOB working capital loan offers the flexibility to match your specific financial needs.
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 UOB working capital loan offers a fixed interest rate of N/A per annum, making it a competitive and affordable option for businesses in need of short-term financing. This rate ensures predictable costs for businesses throughout the loan tenure.
Businesses can access financing of up to N/A, with no minimum loan amount required. This flexibility makes it suitable for both small and large businesses that need varying levels of capital.
One of the key advantages is the absence of a lock-in period, allowing businesses to pay off the loan early without incurring additional penalties. This feature provides greater financial flexibility for businesses that expect to improve their cash flow in the near future.
UOB does not charge any annual fees for the working capital loan, reducing the overall cost of borrowing. This makes the loan an even more attractive option for businesses seeking affordable financing.
There is a one-time processing fee of N/A for the loan, which is a minor cost compared to other loan fees in the market. While this fee is minimal, it should still be considered when applying for the loan.
The loan is only available to businesses with a minimum annual turnover of N/A, which may exclude smaller businesses or startups with lower revenue. This eligibility requirement ensures that the loan is targeted at businesses with established revenue streams.
