Top Business Loans Providers in Singapore (Updated 2024)

Top Business Loans Providers in Singapore

Business loans are financial tools available to companies in Singapore for a variety of purposes, from expansion efforts to operational capital needs. These loans are provided by banks and financial institutions, each offering different types of loans to meet specific business requirements.

Types of Business Loans

1. Unsecured Business Term Loan

  • Definition: Loans that do not require collateral, possibly needing a guarantor.
  • Loan Amount: Typically ranges from SGD300,000 to SGD500,000.
  • Repayment Period: Between 1 to 5 years.

2. SME Working Capital Loan

  • Definition: Government-supported loans for local SMEs.
  • Eligibility: Companies with a maximum of 200 employees, registered in Singapore with at least 30% local ownership.
  • Loan Amount: Up to SGD1M.
  • Repayment Period: 1 to 5 years.

3. Startup Business Loan

  • Definition: Tailored for new businesses needing capital, with less emphasis on financial history.
  • Loan Amount: Up to SGD100,000.

Where to Obtain Business Loans

Banks and financial institutions in Singapore offer a range of business loans. Eligibility criteria and the application process may vary, emphasizing the importance of understanding each lender’s requirements.

Application and Eligibility

Application Process

  • Steps: Online application, discussion, document submission, and verification, followed by approval and fund disbursement.
  • Key Documents: ACRA business profile, director’s Notice of Assessment, credit reports, financial statements, and recent bank statements.

Eligibility Criteria

  • Varies by Loan Type: Generally depends on the business’s registration and operation in Singapore, with specific criteria for startups and unsecured loans.

Factors Affecting Loan Applications

  • Business Track Record: Established operations and profitability can enhance loan approval chances.
  • Credit Score: Directors’ and business’s credit histories impact loan application outcomes.

Leading Business Loan Services in Singapore for 2024

After understanding the types of business loans and their application process, it’s crucial to identify where these financial solutions can be obtained. Singapore hosts a variety of banks and financial institutions equipped to offer tailored business loans. Here’s a closer look at these providers and how to choose one that aligns with your company’s financial needs and goals.


DBS Top Business Loans Providers in Singapore

Loan Provider

DBS Bank

About DBS Business Loan provides robust financial backing to businesses across Singapore, leveraging its extensive banking expertise to offer comprehensive loan solutions. Recognized for its innovative approach, DBS facilitates enterprises of all sizes with tailored financing options to support their operational and growth needs.
  • Accessibility for All Businesses: DBS opens its loan services to a wide array of businesses, including those not eligible for government-assisted loans, ensuring broad access to financial support.
  • Flexible Financing Options: Businesses can borrow up to S$500,000 at competitive interest rates starting from 7%, supporting a range of needs from operational expenses to expansion efforts.
  • Adaptable Repayment Terms: DBS allows for a flexible repayment period of up to 5 years, helping businesses manage their finances with ease.
  • Enhanced Savings on Fees: A special promotion until 29 February 2024 offers a significant 68% discount on processing fees, further reducing the cost of obtaining a loan.
  • Effortless Online Application: Leveraging digital tools for a streamlined application process, DBS simplifies loan access with options to submit necessary documents online, including the use of ACRA or MyInfo Business for quicker processing.
  • Tailored Loan Calculator: DBS provides an online loan calculator, helping businesses estimate monthly repayments and effectively plan their financial strategies.
Pricing Contact for loan rates
Address View branch locations here
Contact 1800 111 1111
Operating Hours View branch operating hours here
Review 1 “DBS Business Loan transformed how we manage our finances with their digital solutions. The process was straightforward and quick.”
Review 2 “Their sustainable financing option was a game-changer for our eco-friendly project. Exceptional service and support.”
Review 3 “The comprehensive advice and financial products from DBS have been instrumental in our business growth. Highly recommend their services.”


OCBC Top Business Loans Providers in Singapore

Loan Provider


About OCBC Business Loan services are tailored to empower businesses in achieving their goals through flexible financial solutions. With a history of supporting businesses across various industries, OCBC offers a blend of financial acumen and tailored advice to help enterprises navigate their financial needs.
  • Effortless Online Application: No paperwork with an online application, accessible for businesses operational for a minimum of six months.
  • Significant Savings: Enjoy an 88% discount on facility fees, enhancing affordability for financial management.
  • Broad Eligibility: Open to Singapore-registered businesses, with at least 30% local ownership, operational between six months and two years.
  • Favorable Loan Terms: Eligible businesses can secure up to S$100,000 in funding, designed to bolster the growth of startups and small enterprises.
  • Customized Financial Support: With a focus on businesses in their early stages, OCBC aims to facilitate investment in startups’ futures with significantly reduced facility fees.
  • Eligibility Advantage: Specifically designed for businesses with at least 30% Singaporean or PR ownership, highlighting OCBC’s support for local entrepreneurship.
  • Operational Flexibility: Tailored for businesses with at least one employee and more than 50% of equity owned by individuals, ensuring a broad spectrum of businesses can access loan services.
Pricing Contact for loan rates
Address View branch locations here
Contact Contact via form here
Operating Hours View branch operating hours here
Review 1 “OCBC’s tailored approach made all the difference for our startup. Their team was supportive and knowledgeable.”
Review 2 “The speed and efficiency of OCBC’s loan processing helped us capitalize on a crucial opportunity in time.”
Review 3 “OCBC’s online application was user-friendly, and their customer service was top-notch. A reliable partner for business financing.”


UOB Top Business Loans Providers in Singapore

Loan Provider

UOB Bank

About UOB Business Loan is dedicated to supporting Singapore’s business community with flexible and comprehensive loan solutions. With a focus on helping businesses navigate their financial challenges, UOB combines deep industry knowledge with a wide array of financing options to suit various business needs.
  • Broad Funding Range: Businesses can access up to S$800,000 in loans, combining the SME Working Capital Loan and UOB Business Loan for comprehensive financial support.
  • Startup-Friendly: Tailored for startups operational for more than 12 months, facilitating their growth journey with adequate funding.
  • Rapid Response: UOB promises a swift response time of within 1 business day, emphasizing their commitment to quick and efficient service.
  • Government-Assisted Funding: UOB provides preferential rates through government-assisted schemes, offering an attractive financing option for eligible businesses.
  • No Collateral Required: The unsecured nature of these loans means businesses don’t need to pledge assets as security, making it easier for startups and SMEs to obtain financing.
  • Flexible Repayment Options: With a repayment period of up to 5 years, businesses can manage their finances more effectively without immediate pressure.
Pricing Contact for loan rates
Address View branch locations here
Contact Contact here
Operating Hours View branch operating hours here
Review 1 “UOB’s understanding of our industry-specific challenges was impressive. Their financial solutions are spot-on.”
Review 2 “The efficiency and ease of UOB’s loan process were beyond our expectations. Exceptional service through and through.”
Review 3 “Their tailored advice and support have been critical to our financial strategy. UOB is more than just a lender; they’re a partner.”


Maybank2U Top Business Loans Providers in Singapore

Loan Provider

Maybank Singapore

About MayBank Business Loan serves as a pillar for businesses in Singapore, offering a suite of financial products designed to empower growth and stability. Committed to excellence, MayBank provides personalized financing solutions, backed by extensive banking experience and a deep understanding of the business landscape.
  • Efficient Application Process: Utilize MyInfo Business for a quick online application, eliminating the need for collateral, financial, or bank statements.
  • Fast Turnaround: Existing customers can receive application status updates within 10 minutes, showcasing Maybank’s commitment to providing timely support.
  • Diverse Financing Options: Maybank presents a variety of financing solutions, including working capital, property, trade, and government assistance schemes, to support different business goals.
  • Online Business Financing: Offers up to S$150,000 in funding with a repayment period of up to 5 years, ideal for quick financing needs.
  • Personalized Business Financing: For businesses seeking larger sums, Maybank provides financing up to S$10,000,000, accompanied by detailed consultation for customized financial strategies.
  • Flexible Repayment Schemes: Offers customizable repayment plans to suit the cash flow and financial circumstances of businesses.
Pricing Contact for loan rates
Address View branch locations here
Contact Contact here
Operating Hours View branch operating hours here
Review 1 “The application was incredibly fast and straightforward, making it easier for us to focus on growing our business.”
Review 2 “Maybank’s personalized service provided us with the exact financial solution we needed, demonstrating their commitment to supporting SMEs.”
Review 3 “Accessing funds without the need for collateral was a game-changer for our startup, allowing us to leverage opportunities we otherwise might have missed.”


SC Top Business Loans Providers in Singapore

Loan Provider

Standard Chartered Bank

About Standard Chartered Business Loan is committed to helping Singapore businesses flourish by offering a broad spectrum of financial products. With deep insights into the local market, Standard Chartered designs solutions that facilitate business expansion and operational efficiency.
  • In-depth Market Understanding: Offers financial solutions powered by a deep understanding of the Singaporean business environment.
  • Tailor-Made Financing Options: Provides a variety of customized loan options to cater to the specific needs of businesses.
  • Streamlined Loan Access: Ensures a quick and hassle-free loan application process, allowing businesses to focus on growth.
  • No Collateral Required: Businesses can secure a loan without the need to pledge any assets, only personal guarantees are needed, simplifying the application process.
  • Simple Application Process: The bank offers a streamlined application process that allows for fast lending decisions, enabling businesses to quickly obtain the financial support they need.
  • Flexible Repayment Period: Loans come with a flexible repayment period of 1 to 3 years, allowing businesses to manage their finances without pressure.
  • Convenient Loan Servicing: Loan repayment is made simple with fixed monthly instalments directly debited from the business’s account, ensuring a predictable and hassle-free repayment schedule.
Pricing Contact for loan rates
Address View branch locations here
Contact Contact here
Operating Hours View branch operating hours here
Review 1 “Standard Chartered’s understanding of our business needs led to a perfectly tailored loan package. Their support has been good.”
Review 2 “Their efficient digital process made applying for a business loan surprisingly easy. We highly appreciate their quick response.”
Review 3 “The financial advice from Standard Chartered has been a game-changer for our business. They are true partners in our growth journey.”


HSBC Top Business Loans Providers in Singapore

Loan Provider


About HSBC is a reputable bank and a key participant in several Enterprise Singapore financing schemes, demonstrating its commitment to supporting businesses in Singapore. With a focus on facilitating accessibility to financing, HSBC offers a range of financial solutions tailored to meet diverse business needs.
  • Working Capital Solutions: HSBC specializes in providing working capital solutions, ensuring businesses can meet their daily operational needs effectively.
  • Customized Financing: With a range of financing options, HSBC tailors its financial solutions to meet the unique requirements of different businesses.
  • Expertise in Project Financing: HSBC’s expertise extends to project financing, supporting businesses in both local and international ventures.
Pricing Contact for loan rates
Address View branch locations here
Contact Contact here
Operating Hours View branch operating hours here
Review 1 “HSBC’s participation in Enterprise Singapore financing schemes has been a game-changer for our business. Their support has been invaluable.”
Review 2 “The flexibility offered by HSBC, including the deferral of principal repayments, has eased our financial burden during challenging times.”
Review 3 “HSBC’s commitment to providing green financing options aligns with our sustainability goals. It’s great to see a bank that cares about the environment.”
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CitiBank Top Business Loans Providers in Singapore

Loan Provider


About CitiBusiness Singapore, launched in 2005, serves as the dedicated unit catering to the needs of SMEs in Singapore. With a strong emphasis on customer-centric solutions, Citibank has positioned itself as a trusted partner for businesses of all sizes.
  • Established Global Presence: With a network spanning 19 countries, Citibank brings global expertise to its customers in Singapore.
  • Dedicated SME Unit: CitiBusiness Singapore, launched in 2005, focuses on serving the unique needs of SMEs in Singapore.
  • Customer-Centric Solutions: Citibank prides itself on providing tailored solutions that address the specific needs of businesses.
  • Loan Amount: Businesses can secure loan amounts ranging from S$100,000 to S$500,000.
  • Efficient Application: The application process typically takes 1 to 2 weeks, ensuring a swift response to business financing needs.
  • Risk-Adjusted Rates: Interest rates are customized to reflect the risk profile of the SME or Business, ensuring competitive financing options.
Pricing Contact for loan rates
Address View branch locations here
Contact Contact here
Operating Hours View branch operating hours here
Review 1 “Citibank’s long history of innovation and commitment to convenience make it a trustworthy partner for our business.”
Review 2 “The flexibility offered by Citibank Business Term Loan was crucial for our expansion plans. Their competitive rates made a difference.”
Review 3 “We appreciated the efficiency of Citibank’s application process, which allowed us to secure the funding we needed in a timely manner.”



Top Business Loans Providers in Singapore (Updated 2024) 1

Loan Provider

96BM Credit Pte Ltd

About 96BM Credit Pte Ltd is recognized for its prompt loan approval process, emphasizing a personalized approach to understand clients’ financial situations before proposing loan options. This customer-centric philosophy ensures loans are matched to borrowers’ needs, enhancing financial management and satisfaction.
  • Customer-Centric Approach: Prioritizes understanding client needs to ensure suitable loan offerings.
  • Fast Approval Process: Loans are processed within 5 to 7 working days, demonstrating efficiency.
  • No Hidden Costs: Transparent conditions with no processing fees or early redemption penalties.
  • Maximum Loan Amount: Offers loans exceeding S$300,000 for substantial financial support.
  • Competitive Interest Rates: Charges a minimum interest rate of 2.27% per month, offering affordability.
  • Extended Repayment Period: Allows a maximum loan repayment period of up to 2 years, providing flexibility.
Pricing Contact for loan rates
Address Blk 302 Ubi Ave 1, #01-31 Singapore 400302
Contact 6292 2629

(Look for Clara or Sim)

Operating Hours Monday – Friday 11.30am to 7.30pm
Saturday 11.30am to 7pm
Review 1 “I was impressed by the personalized approach of 96BM Credit Pte Ltd. They took the time to understand my financial situation and provided the right loan solution.”
Review 2 “The fast approval process at 96BM Credit Pte Ltd made a significant difference in my financial planning. I highly recommend their services.”
Review 3 “I appreciate the transparency and affordability offered by 96BM Credit Pte Ltd. They are a reliable partner for those seeking financial support.”


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Top Business Loans Providers in Singapore (Updated 2024) 2

Loan Provider


About CIMB is a leading financial institution that offers a range of versatile business loan solutions, catering to various financing needs. Whether it’s asset-based financing, bridging loans, project financing, or uncalled committed capital loans, CIMB’s expertise and innovative solutions make it a reliable partner for businesses in Singapore.
  • Asset-based Financing: CIMB offers loans secured against your assets, providing financial flexibility and support for asset acquisition or refinancing.
  • Bridging Loan: CIMB provides bridging loan solutions, allowing businesses to secure short-term financing while preparing for long-term funding. This helps bridge financial needs during the interim period, pending proceeds from sale completion.
  • Project Finance: CIMB specializes in project financing, particularly for real estate development, power, energy, and mining projects. Their experienced project finance advisory team is dedicated to advising and supporting businesses in these sectors.
  • Uncalled Committed Capital Loan: CIMB offers financing to private equity funds, secured by the assignment of uncalled capital of the fund. This financing solution assists in bridging the fund’s investments and enhancing investment returns with the loan.
  • Versatile Financing Options: CIMB’s diverse range of financing solutions ensures that businesses can find the right financial support to meet their specific needs.
  • Expert Project Finance Advisory: The bank’s experienced project finance advisory team provides valuable guidance and support for businesses engaged in real estate, power, energy, and mining projects.
  • Innovative Bridging Solutions: CIMB’s bridging loans offer businesses the flexibility to secure short-term financing while planning for long-term funding, optimizing financial management.
  • Support for Private Equity Funds: CIMB’s uncalled committed capital loans help private equity funds bridge finance their investments, contributing to increased investment returns.
Pricing Contact for loan rates
Address CIMB Bank Berhad,
30 Raffles Place,
#04-01, Singapore 048622
Contact +65 6438 7888
9.00am – 6.00pm

(Mon-Fri, except PH)

Review 1 “CIMB’s asset-based financing has been instrumental in our business growth, providing the necessary financial support secured against our assets.”
Review 2 “The bridging loan solution from CIMB helped us manage our financial needs seamlessly while awaiting long-term financing. It was a game-changer for our business.”
Review 3 “The expertise of CIMB’s project finance advisory team has been invaluable in navigating complex real estate development projects. Their support made a significant difference.”


Validus Top Business Loans Providers in Singapore

Loan Provider

Validus Capital

About With a people-first approach and a focus on digital financing solutions, Validus is dedicated to making financial products and services faster, more accessible, and effortless for SMEs. By establishing strategic supply chain financing partnerships with large corporates and harnessing technology, data, and AI, Validus is expanding access to credit for under-served SMEs.
  • Efficient Application Process: Validus simplifies the credit assessment process, requiring only two documents for credit evaluation, ensuring a swift and hassle-free application for SMEs.
  • Fast Approval: Validus understands the urgency of business opportunities, aiming to provide approval and disbursement within just one day.
  • Working Capital Financing: Validus specializes in providing working capital financing solutions to help businesses manage daily operational costs, maintain cash flow stability during slow periods, and seize growth opportunities.
  • Unsecured Loans: Validus offers substantial unsecured working capital loans, allowing businesses to access up to $150,000 without the need to pledge valuable assets.
  • Loan Amount: Access up to $150,000 without the need for collateral, providing substantial financial support.
  • Competitive Rates: Enjoy cost-effective financing with competitive interest rates starting as low as 0.67% per month or 8.7% p.a.
  • Competitive Cash Disbursement: Validus offers competitive cash disbursement, with 90% of approved businesses receiving funding within 48 hours.
  • Higher Loan Amount: Validus extends its support by providing loans ranging up to S$250,000 for 12 months, catering to various business needs.
Pricing Contact for loan rates
Address  6 Shenton Way, #17-09 OUE Downtown 2, Singapore 068809
Contact 65 6100 0610

Operating Hours Monday – Friday 9.00AM – 6.00PM
Review 1 “Thanks to Validus, we are able to receive our funds in a quick and hassle-free manner”
Review 2 “Accelerated our business growth with Validus financing solutions”
Review 3 “I found Validus to be well suited for my business needs”


Top Business Loans Providers in Singapore (Updated 2024) 3

Loan Provider

Hong Leong Finance

About With over six decades of experience, HLF serves both businesses and individuals by offering a comprehensive suite of financial products and services. These encompass everything from deposits and savings to corporate and consumer loans, government assistance programs for SMEs, corporate finance, and advisory services.
  • Innovative Banking Solutions: HLF was the first finance company in Singapore to introduce a business current account in 2007, supporting local businesses in increasing efficiency and achieving greater heights.
  • Commitment to the Community: HLF has been twice awarded the ‘Friends of Enterprise’ award by the Spirit of Enterprise for its dedication to the community. Additionally, it has received recognition as the ‘Euromoney Market Leaders in Singapore 2022’ in categories such as Corporate Banking and SME Banking.
  • Customer-Centric Branch Network: With 28 strategically located branches, including 27 in residential areas and one in the financial district, HLF offers personalized services that meet the daily needs of its customers.
  • Loan Amount: Borrow up to S$200,000 to manage your company’s cashflow, purchase revenue-generating assets, or capitalize on business opportunities.
  • Attractive Interest Rate: Enjoy competitive interest rates for better financial management.
  • Flexible Repayment: Benefit from a flexible repayment period that suits your business needs.
  • Simple Application: Applying for the BizCap Loan is straightforward, requiring essential documents such as financial statements and bank statements.
Pricing Contact for loan rates
Address 16 Raffles Quay, #01-05, Hong Leong Building, Singapore 048581
Contact Contact here
Operating Hours Mondays to Fridays: 9 am to 4.30 pm
Saturdays: 9 am to 12 noon
Review 1 “Hong Leong Finance has been instrumental in our business growth. Their customized financial solutions have helped us operate successfully and expand swiftly.”
Review 2 “We greatly appreciate Hong Leong Finance’s commitment to the community. Their dedication to supporting local businesses is commendable.”
Review 3 “The personalized services at Hong Leong Finance have earned our trust over the years. They have been an essential part of our business journey.”


Top Business Loans Providers in Singapore (Updated 2024) 4

Loan Provider

Bugis Credit

About Bugis Credit offers SME Business Loans designed to empower self-employed individuals to build their business futures while addressing their financial needs. With flexible monthly repayment terms and the capacity to lend up to $200,000, Bugis Credit understands the challenges faced by businesses and provides tailored solutions to support them.
  • Flexibility: Enjoy flexible monthly repayment terms, allowing you to manage your loan in a way that aligns with your business cash flow.
  • Self-Employed Financing: Bugis Credit specializes in providing financing solutions tailored to the needs of self-employed individuals, recognizing their unique financial situations.
  • Personalized Service: The loan officers are dedicated to helping you understand the various factors that make up your loan agreement, ensuring transparency and clarity throughout the process.
  • Flexible Repayment: With flexible monthly repayment terms, Bugis Credit ensures that your loan can be managed in a way that suits your business’s cash flow.
  • Business Expansion Support: Bugis Credit understands the importance of business growth and offers loans of up to $200,000 to support expansion plans.
  • Interest Rate Transparency: The company is committed to providing clear and transparent interest rates, helping borrowers understand the costs involved in their loans.
Pricing Contact for loan rates
Address 470 North Bridge Road, #02-12 Bugis Cube,
Singapore 188735
Contact +65 6345 9123
Operating Hours Mon – Fri: 11 am to 8 pm

Sat & Sun: 11 am to 5 pm

Review 1 “Bugis Credit’s personalized approach made a significant difference in helping me secure the financing I needed for my self-employed business. Their flexibility in repayment terms was a lifesaver.”
Review 2 “I appreciate the transparency in their interest rates. Bugis Credit’s loan officers took the time to explain every detail of my loan agreement, ensuring I was well-informed.”
Review 3 “Bugis Credit’s support has been crucial in maintaining the steady cash flow of my business. Their focus on self-employed individuals truly sets them apart.”


Top Business Loans Providers in Singapore (Updated 2024) 5

Loan Provider

A1 Credit

A1 Credit offers an SME Business Loan designed to cater to businesses with minimal requirements, fast cash disbursal, and manageable monthly payments. With fast approval times of within 1 hour, A1 Credit understands the urgency of business needs and strives to provide quick solutions.
  • Quick Financing: A1 Credit specializes in providing quick financing solutions to address the urgent financial needs of businesses.
  • High Approval Rates: The company focuses on supporting businesses, even those with poor credit scores, offering higher approval rates and opportunities for improvement.
  • Flexible Loan Terms: A1 Credit recognizes that every business is unique, offering flexible loan terms to align with individual business cash flow and requirements.
  • High Loanable Amount: A1 Credit offers a generous loan amount of up to $200,000, ensuring substantial financial support for your business.
  • Flexible Repayment Terms: Enjoy the flexibility of choosing repayment terms ranging from 6 to 24 months, allowing you to tailor your loan to your business’s cash flow.
  • Rapid Approval: A1 Credit takes pride in its rapid approval process, often providing loan approvals within 1 hour, ensuring your business can access the funds it needs promptly.
  • Support for Poor Credit Scores: A1 Credit understands that businesses may face financial challenges, and it welcomes customers with poor credit scores, providing them with opportunities to access financing and improve their businesses.
Pricing Contact for loan rates
Address 35 North Canal Road, #02-01 Singapore 059291
Contact 65 6333
Operating Hours Mon – Fri: 09:00AM – 6:00PM

Sat, Sun and Public Holidays: Closed

Review 1 “A1 Credit’s SME business loan was a lifesaver for my business. I needed funds urgently, and their fast approval process truly delivered.”
Review 2 “I appreciate A1 Credit’s willingness to support businesses with poor credit scores. They provided me with a chance to improve my business’s financial health.”
Review 3 “The flexibility of A1 Credit’s loan terms made it easy to manage my monthly payments. Their high loanable amount allowed my business to thrive.”


RHB Top Business Loans Providers in Singapore

Loan Provider

RHB Group

About RHB, originally incorporated as DCB Holdings Berhad in Malaysia on 24 August 1994, later transformed into RHB Bank Berhad on 16 June 1997. With a strong presence of over 194 branches in Malaysia, 7 branches in Singapore, and 2 branches in Thailand, RHB Bank has established itself as a significant player in the financial services sector.
  • Strong Regional Presence: RHB’s extensive network spans across Malaysia, Singapore, Thailand, Brunei, and Vietnam, providing businesses with access to a wide range of financial services.
  • Comprehensive Financial Solutions: As a fully integrated financial services group, RHB offers a comprehensive suite of financial products and services, including asset management, personal finance, and corporate banking.
  • Local Commitment: With operations in Singapore since 1961, RHB demonstrates its commitment to serving the local business community and supporting its growth.
  • Business Expansion Capital: RHB specializes in providing the necessary capital for businesses to support their operations and expand their horizons.
  • Efficient Application Process: The bank ensures a streamlined and efficient application process, with approval typically granted within 1 to 2 weeks.
  • Flexible Loan Amounts: RHB caters to businesses of various sizes, offering loan amounts ranging from S$100,000 to S$500,000.
Pricing Contact for loan rates
Address View branch locations here
Contact Contact here
Operating Hours View branch operating hours here
Review 1 “RHB’s Business Term Loan came through for us when we needed capital for our expansion plans. Their flexible interest rates made the loan manageable.”
Review 2 “We appreciate RHB’s commitment to the local business community. Their comprehensive financial solutions have been instrumental in our growth.”
Review 3 “The efficiency of RHB’s application process was a game-changer for our business. We secured the capital we needed within weeks.”


Sing Business loan Top Business Loans Providers in Singapore

Loan Provider

SingBusines Loan

About SingBusinessLoan stands as the go-to destination for business owners seeking financial support to fuel their ventures. Their commitment to efficiency and simplicity sets them apart, making them a trusted choice for businesses across various industries, including upholstery/furniture cleaning services, fish shop/aquarium, seafood supplier/wholesaler, online/homebaker bakery, and e-waste/reprocessing.
  • Diverse Industry Support: SingBusinessLoan caters to a wide range of industries, recognizing that financial needs exist across various sectors in Singapore.
  • Streamlined Process: With a commitment to minimal paperwork and complexity, SingBusinessLoan ensures that obtaining a loan is hassle-free.
  • Fair Repayment: The payment schedule offered by SingBusinessLoan is designed to be fair and manageable, allowing businesses to repay with ease.
  • Generous Loan Limit: SingBusinessLoan empowers businesses with the financial freedom they need, offering a maximum loan amount of S$1,000,000 to support their growth and stability.
  • Competitive Rates: With interest and fees as low as 12% per annum, SingBusinessLoan ensures that businesses can access financing at cost-effective terms.
  • Rapid Approval: SingBusinessLoan takes pride in their 1-hour loan approval process, providing swift access to funds when businesses need it most.
Pricing Contact for loan rates
Address Online business
Contact Contact via form here
Review 1 “SingBusinessLoan’s generous loan limit allowed us to expand our operations and reach new heights.”
Review 2 “Their rapid 1-hour loan approval was a game-changer for our business during a crucial time.”
Review 3 “SingBusinessLoan understands the unique needs of different industries, making them our trusted financial partner.”


Raffles Credit Top Business Loans Providers in Singapore

Loan Provider

Raffles Credit

About With a strong focus on security and safety, Raffles Credit offers business loans that can provide the necessary capital to propel your business forward. Whether you are a small business owner or require funds for various business needs, Raffles Credit has tailored solutions to support your journey.
  • Business Flourishing: Raffles Credit’s SME Business Loan is a lifeline during challenging times, ensuring your business continues to flourish even during dry spells.
  • Crisis Support: Robust financial support is at the heart of Raffles Credit’s business loan, safeguarding your company from the brink of bankruptcy during unforeseen crises.
  • Secure and Safe: Raffles Credit prioritizes the security and safety of your business finances, ensuring that your future remains protected.
  • Generous Loan Cap: Access substantial financing with loans of up to $200,000, providing the necessary financial resources for your business endeavors.
  • Versatile Business Needs: Raffles Credit’s business loans are designed to cater to a wide range of business needs, making them suitable for various industries and purposes.
  • Small Business Focus: Perfectly suited for small business owners, Raffles Credit’s offerings are crafted to empower and uplift emerging enterprises.
Pricing Contact for loan rates
Address 17A Circular Road, Singapore 049373
Contact 6562351788
Operating Hours Mon to Fri: 10.30am to 8pm
Sat & Sun: 10.30am to 4.30pm
Review 1 “Raffles Credit’s secure and safe approach to business loans gave me peace of mind as a small business owner.”
Review 2 “The generous loan cap provided by Raffles Credit helped me realize my business aspirations.”
Review 3 “During the tough times of the COVID-19 pandemic, Raffles Credit’s support was invaluable in keeping my business afloat.”

Raffles Credit is a licensed moneylender in Singapore that provides various business loan products to meet the diverse needs of small and medium-sized enterprises (SMEs). The repayment options are flexible, and the interest rates are fair compared to other business loan providers.

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They pride themselves on delivering loan approvals in as little as 30 minutes, allowing SMEs to access funds quickly and efficiently. Additionally, some loans don’t require collateral, but you need to pay attention to the interest rates and terms of the loan before applying.

Lending Bee Top Business Loans Providers in Singapore


Loan Provider

Lending Bee

About Lending Bee takes pride in its outstanding customer service, as attested by over 1,500 positive customer reviews. Customers consistently praise the patience and thorough explanations provided by Lending Bee’s loan officers, ensuring a clear understanding of loan terms and conditions before finalization.
  • Capitalizing on Opportunities: Lending Bee’s business loans empower SMEs to increase cash flow and seize growth opportunities in Singapore.
  • Hassle-Free Application: The application process is designed to be straightforward, allowing business owners to explore financing options with ease.
  • Customer-Centric Service: With over 1,500 positive customer reviews, Lending Bee’s friendly and professional loan officers prioritize customer satisfaction and ensure clear comprehension of loan terms.
  • Zero Processing Fees: Lending Bee distinguishes itself by offering business loans with 0% processing fees, significantly reducing the cost of borrowing.
  • Generous Loan Limits: Business owners can access substantial loan amounts, with caps extending up to $2,000,000, providing ample financial flexibility.
  • Swift Approvals: Lending Bee prioritizes efficiency, with a commitment to fast loan approvals within 60 minutes, provided all required documentation is submitted.
Pricing Contact for loan rates
Address View branch locations here
Contact View branch contact details here
Operating Hours View branch operating hours here
Review 1 “Lending Bee’s zero processing fees made a significant difference for our business. It’s a clear advantage.”
Review 2 “The speed of Lending Bee’s loan approvals is impressive. We secured the capital we needed without delays.”
Review 3 “The patience and explanations by Lending Bee’s loan officers were exemplary. It’s reassuring to fully understand the loan terms.”


Top Business Loans Providers in Singapore (Updated 2024) 6

Loan Provider


About Capitall is your trusted partner for financial growth, dedicated to assisting businesses in realizing their full potential. With a strong commitment to simplifying lending processes and empowering entrepreneurs, Capitall offers tailored financing solutions that address a wide range of business requirements.
  • Business Line of Credit: Manage unforeseen expenditures, fund growth opportunities, and gain quick access to capital for various purposes.
  • Working Capital Loan: Ensure your business has the necessary funds for daily operations, managing cash flow, and seizing growth opportunities.
  • Bridging Loan: Bridge financial gaps and navigate transitional periods in your business smoothly.
  • Maximum Loan: Access loans of up to S$300,000 to fuel your business ambitions.
  • Competitive Interest Rates: Benefit from competitive interest rates ranging from 2% to 7% per month, ensuring affordability.
  • Flexible Repayment: Choose a repayment structure that suits your business, with options for weekly, bi-weekly, or monthly instalments over terms spanning from 2 to 12 months.
  • Rapid Processing: Capitall understands the urgency of business needs and ensures a streamlined process, with loan disbursement within 24 hours of application.
Pricing Contact for loan rates
Address View branch locations here
Contact View branch contact details here
Operating Hours View branch operating hours here
Review 1 “Capitall has been instrumental in helping us navigate through challenging times. Their flexibility in repayment has been a lifesaver for our business.”
Review 2 “I appreciate the quick turnaround from Capitall. When opportunity knocks, having access to funds within 24 hours is a game-changer.”
Review 3 “No hidden fees and competitive rates—Capitall has been a reliable partner in our business’s growth journey.”


Editor’s Note:

While every precaution has been made to ensure the accuracy and fairness of this listing, we acknowledge that they may be inaccuracies. Therefore, we urge you to contact the service provider above for the correct information and/or contact us with the correct information.

If you are a service provider and wish to be featured in this listing (MediaOne reviews are read by hundreds of thousands of Singaporeans), please contact us at There is no charge! Please allow us up to 3 working days to review before adjusting the information or including your entry.

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About the Author

Tom Koh

Tom is the CEO and Principal Consultant of MediaOne, a leading digital marketing agency. He has consulted for MNCs like Canon, Maybank, Capitaland, SingTel, ST Engineering, WWF, Cambridge University, as well as Government organisations like Enterprise Singapore, Ministry of Law, National Galleries, NTUC, e2i, SingHealth. His articles are published and referenced in CNA, Straits Times, MoneyFM, Financial Times, Yahoo! Finance, Hubspot, Zendesk, CIO Advisor.


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