SME Working Capital Loan

Designed to assist Singapore-based companies who needs working capital for their day to day operations without any collateral. This unsecured loan allows the SMEs to access more funds for their business.


  • Loan Quantum of up to S$300,000
  • Repayment Period of up to 5 years Loan


  1. Be a business entity that is registered and physically present in Singapore, and
  2. At least 30% local equity held directly or indirectly by Singaporean(s) and/or Singapore PR(s), determined by the ultimate individual ownership, and
  3. Maximum Borrower Group revenue cap of S$500 million for all enterprises.
  4. For "SME Working Capital" and "SME Fixed Assets", the SME definition refers to Group revenue of up to S$100 million or maximum employment of 200

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 EFS Application Form (PDF) and SME Banking Consent 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.

Next steps

Call Us (New/Existing Customers)

Business Banking Hotline 1800 777 0022
(65) 6777 0022
(Calling from Overseas)

Monday to Friday
(exclude public holidays)
9.00am to 6.00pm

Make an appointment

Request for call back via eAppointment form
SMS to 79898 in this format
e.g. RSME Andy Lau 1234567Z

Open a Business Current Account online

eApplication form


Apply for a loan (via email)

Download the
SME Banking Consent Form (PDF)

EFS Application Form (PDF)

Submit via email at smebanking@

together with all your guarantors' NRIC, financial statements for the last 2 years and bank statement for the last 6 months

Apply at our branch

Find us at a location near you

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