Temporary Bridging Loan Programme for SMEs | OCBC Business Banking SG
Temporary Bridging Loan
Temporary Bridging Loan

Accelerate your business recovery with extra financing support

Why you will love this

Low interest rates at 2.5%

Easy online application and approval


At least 30% of shares held by Singaporeans or PRs

Registered and physically present in Singapore

New times, new opportunities. Elevate your business with the Temporary Bridging Loan and bounce back stronger.

Features and benefits

No collateral required*

Funding up to $5,000,000

No principal payment for first 12 months


Understanding your savings

Here's an estimate of how much you need to pay

Your monthly payment


Before you apply


Be a business entity that is registered and physically present in Singapore, and

At least 30% local equity held directly or indirectly by Singaporean(s) and/or Singapore PR(s), determined by the ultimate individual ownership, and

Terms and conditions

*Terms and conditions apply. OCBC bank requires guarantor(s) to support the loan.

ready to apply?

Get your Temporary Bridging Loan today with us

additional information

Commonly asked questions:

What is the objective of the Temporary Bridging Loan Programme?

The Temporary Bridging Loan Programme was introduced to help the SMEs access working capital. As announced in Budget 2020, this scheme is eligible to all sectors, with 90% risk share by the Government. SMEs under this scheme may also apply for up to 1-year deferral of principal repayment to help them reduce their monthly cash outflow.

Can my business apply for the Temporary Bridging Loan multiple times with different Financial Institutions?

Yes, SMEs can approach different financial institutions to apply. However, the total aggregate amount borrowed under the scheme from different financial institutions is capped at the maximum amount of S$5 million.

What is the difference between the Temporary Bridging Loan and the Enhanced Enterprise Financing Scheme - SME Working Capital Loan?

Temporary Bridging Loan was introduced in response to the COVID-19 outbreak, to help SMEs manage their immediate cash flow needs. Eligible SMEs can borrow up to S$5 million, with interest rate capped at 5% per annum. SMEs that require help beyond the Temporary Bridging Loan can also tap on the Enhanced Working Capital Loan, which has been further enhanced to support loans of up to S$1 million.

You might also be interested in
Our awards and accolades

Asia's Best Bank for SMEs 2019


Asean SME Bank of the Year 2019

Asian Banking & Finance

Singapore's Best Bank for SMEs 2019


For Singaporeans and Permanent Residents, please bring along original copy of:


Birth Certificate of Child

For Foreigners, please bring along original copy of:


Employment Pass (EP); or S-Pass or Student Pass

Passport of Child

Birth Certificate of Child

Proof of address (any one of the original documents below):

Phone bill

Half-yearly CPF statement

Any bank statement

Initial Deposit


Get a queue number before visiting the branch via Easy Q!