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SME Lenders in Singapore

Browse 14+ lenders or let us find the right match for your business

3 Local banks
6 Fintech & digital
7-18% Rate range p.a.
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S$100,000
S$10,000 S$500,000

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Traditional Banks

Lowest rates (7-11% p.a.), most EFS options, but slowest approval (2-4 weeks) and strictest requirements.

DBS Bank

DBS Bank

Bank EFS
Rate 7.0%–11.0% p.a.
Max S$500,000
Speed 3-5d
Tenor 60mo

Highly competitive rates (~7% p.a.). Largest loan quantum (up to S$500k, or S$80...

OCBC Bank

OCBC Bank

Bank EFS
Rate 7.8%–11.0% p.a.
Max S$100,000
Speed 1-3d
Tenor 48mo

Flexible product range from startup micro-loans to larger term loans. Recognised...

UOB Bank

UOB Bank

Bank EFS
Rate 7.0%–10.9% p.a.
Max S$350,000
Speed 1-3d
Tenor 60mo

High maximum financing up to S$800k combining schemes. Competitive blended rates...

Foreign Banks

International expertise for globally-oriented SMEs. Good for multi-currency needs and larger facilities.

Standard Chartered

Standard Chartered

Foreign Bank
Rate 9.0%–15.0% p.a.
Max S$500,000
Speed 5-14d
Tenor 36mo

Digital Banks

Fast, fully digital experience for smaller loans. Good for digital-native businesses and startups.

GXS Bank

GXS Bank

Digital Bank
Rate 5.0%–15.0% p.a.
Max S$150,000
Speed 1d
Tenor 12mo

Fintech Lenders

Speed and flexibility for urgent needs. Higher rates but faster approvals and lighter documentation.

GXS Capital

GXS Capital

Fintech
Rate 0.7%–1.0%/mo
Max S$500,000
Speed 1d
Tenor 18mo

Fast approval (~1 day). No collateral. Relatively low rates for alternative fina...

Funding Societies

Funding Societies

Fintech
Rate 1.0%–4.0%/mo
Max S$150,000
Speed 1d
Tenor 12mo

Accessible to newer businesses (6-12 months history). Fast online process. Diver...

Bizcap

Bizcap

Fintech
Rate 1.30–1.40 factor
Max S$500,000
Speed 1d
Tenor 6mo

Lightning-fast funding (approvals in hours, cash within 1 day). Flexible criteri...

Jenfi

Jenfi

Fintech
Rate 12.0%–28.0% p.a.
Max S$670,000
Speed 1-3d
Tenor 18mo

No equity dilution. No collateral or personal guarantee. Flexible repayment scal...

Aspire

Aspire

Fintech
Rate 0.0%–0.0% p.a.
Max S$300,000
Speed 1d
Tenor 12mo

Interest-free for 60 days. Seamless digital experience. Integrated business acco...