SME Micro Loan

Looking for working capital to develop your business to its potential? You may wish to consider a SME Micro Loan which is availed in conjunction with SPRING Singapore. This financing programme with no collateral required is designed to help small local enterprises gain easy access to financing.


  • Loan quantum of up to S$100,000
  • Loan tenure of up to 4 years
  • Loan may be used for a variety of activities including to
    • Establish a viable business
    • Modernise and automate plant and machinery
    • Expand existing production capacity
    • Develop new product lines
    • Renovate existing or new business premises
    • Enhance working capital


  • Companies registered and operating in Singapore
  • At least 30% of your company’s shareholding is local
  • Company’s Group annual sales1 of not more than S$100 million or Company’s Group employment size of not exceeding 200 workers
  • Annual Sales Turnover of not exceeding S$1 million or  not more than 10 employees
1Annual sales turnover and employment size will be computed on a group basis (i.e. All levels up for corporate shareholders holding >50% of total shareholding of the applicant company and any subsequent corporate parents, and subsidiaries all levels down).

Required documents

  • Last 2 years' audited accounts or certified financial statements (if applicable)
  • Last 6 months' bank statements.
  • Copy of NRIC (front and back) of owners/directors/partners/sole proprietor/guarantor(s)
  • Latest personal Income Tax Notice of Assessment of owners/directors/partners/sole proprietor/guarantor(s)

Please refer to the Application Form for the complete list of required documents.

To apply, simply complete the Application Form (SME Micro Loan) (PDF) and SME Banking Facility Application Form (PDF), and send them in with the required documents.

For more information, call our Business Banking hotline 1800-777 0022, , or request a call back with our Business Development Managers today.

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