SME Working Capital Loan

In uncertain times, your cashflow needs to be certain

Collateral-free* loan
up to


Repayment period of up to

5 years

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Suitable for companies that are at least 2 years old, enjoy cashflow certainty with a government-assisted working capital loan of up to S$300,000*.

About the SME Working Capital Loan

High loan quantum
of up to S$300,000*
Easy to apply,
fast approval

Application Process

step 1
Choose the best way to reach us
  1. Apply online
    click here
  2. SMS us
    SMS <WCL> space <COMPANY NAME> to 72008
  3. Whatsapp us
    9021 8880
step 2
Submit required documents below via email or fax to us
  • Complete Consent Form
  • NRIC or passport copy of sole proprietor/partners/directors
  • Income Tax Notice of Assessment of sole proprietor/partners/directors for the last two years
  • Financial statements for the last two years.
  • Bank statements for the last six months (if the main operating account is not with OCBC)
step 3
We will respond to your application

Please allow us up to one week to process your application upon receipt of full documentation.

Thereafter, our Business Development Manager will:

  • Inform you of the details of the loan you are eligible for
  • Arrange to meet you and finalise the application


  • The company must be incorporated in Singapore for at least 2 years
  • At least 30% Singaporean or PR shareholding
  • Group annual sales of ≤ S$100m or group employment size ≤ 200^

^Annual 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)

How to apply?

SMS <WCL> space <COMPANY NAME> to 72008

Whatsapp us at 9021 8880

Bank With Asia’s Best SME Bank

Your confidence is the accolade that means the most to us. And that is why we strive to make banking simple, fast and convenient. As Asia’s Best Bank For SME, we’re committed to help your business grow locally and beyond.

Find Out More

OCBC Asean SME Bank
Important Notices

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