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
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)

Our awards and accolades

Best Bank for SMEs - Euromoney
Asia's Best Bank for SMEs

Euromoney 2016 – 2017

Best Bank for SMEs - Asiamoney
Best Bank for SMEs in Singapore

Asiamoney 2017

ASEAN SME Bank of the Year
ASEAN SME Bank of the Year

Asian Banking & Finance 2011 – 2017

ASEAN SME Bank of the Year
Best SME Bank in Southeast Asia

Alpha Southeast Asia 2013 – 2017

Best SME Bank in Singapore

Alpha Southeast Asia 2010, 2012 – 2017

Important Notices

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