Working Capital

SME Micro Loan

Borrow as much as SGD 100,000 for up to four years

Expand your business with a special financing package designed specifically to help you grow. The Micro Loan was launched in conjunction with SPRING Singapore to provide local SMEs with easier access to funding. You can tap on as much as SGD 100,000 for up to four years at attractive interest rates to fund your business expansion.

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SME Micro Loan Features
Loan AmountUp to S$100,000
Loan TenorUp to 4 years

Why choose SME Micro Loan?

  • Enhance your cash flow with easy access to funding
  • Free up assets to fund the expansion of your business. The Micro Loan is unsecured, which means you don’t have to use your assets or resources as collateral
  • Plan your finances effectively with a fixed monthly repayment schedule
  • Manage your finances easily with IDEAL™, our online banking platform
  • Enjoy unparalleled convenience with the widest banking network in Singapore. We have more than 900 ATMs and 80 DBS and POSB branches island wide



  • Incorporated in Singapore with at least 30% local shareholding (Singaporean or Permanent Resident)
  • Employ no more than ten employees, OR have an annual turnover of SGD 1 million or less


How much can I borrow?

You may borrow up to SGD 100,000 for up to four years.

How will I know if my application has been approved?

Please allow up to 2 weeks for the application processing upon receipt of the duly completed application form and full documentation.

How do I find out more information?

Please call us at 1800 222 2200 for more information.


How do I apply?

Simply submit the following documents via mail or fax:

  • Completed DBS application form
  • Photocopy of NRIC (front and back) of applicant and guarantor(s)
  • Income Tax Notice of Assessment of sole proprietor/key partners/directors for the last two years
  • Bank statements for the last six months (if the operating account is not held with DBS)
  • Financial statements for the last two years. Statements should be less than 18 months old and audited where applicable


Alternatively, you may drop them off at any of our DBS or POSB branches.

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DBS SME Loans Online

Enjoy faster processing and real time application tracking with DBS SME Loans Online.

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