Approval as fast as 4 hours*
Best interest rates online
Minimal documents needed
Based on your profile
I am a Sole Proprietor / Partnership / LLP
and DBS is my Main Operating Corporate Account
Documents to submit*:
  1. Guarantors' latest 2 years Income Tax Notice of Assessment
* Copy of NRIC not required if there is no change in records maintained with DBS Corporate Account.
That's it - only one supporting document to submit and you're done!
Apply Now
Based on your profile
I am a Pte Ltd / LLC
or DBS is not my Main Operating Corporate Account
Documents to submit:
  1. Guarantors' Latest 2 years Income Tax Notice of Assessment
  2. Guarantors' Passport/NRIC (copy of front and back) (Required only if your company does not have a DBS corporate account or if you are a Passport holder)
  3. Latest 3 months' Bank Statements (Required only if DBS is not your main operating account)
  4. Optional: Company’s Latest 2 years’ Financial Statements
Get approval within a day!
Apply Now
*Loan approval in 4 hours is subject to:
  • Sole Proprietor / Partnership / LLPs with its main operating account with DBS, and who are eligible and apply for a SME Micro Loan, SME Working Capital Loan or Business Term Loan.
  • Submission of complete documentation (including online application form and abovementioned supporting documentation) and information.
  • There being no changes to the existing Business Profile information (for example, details of your directors, your registered address, etc.) which we have on record with respect to your DBS Corporate Account.
  • DBS receiving your application is within our operating hours which are from Mondays to Fridays 8:30am to 6:00pm (excluding public holidays).

Apply online with the #1 bank for SME Loans,
No branch visits required!


Best SME Specialist Bank in Asia and Largest SPRING SME Loans Lender

Best rates: our hassle-free online processing helps you save big

Speedy approval in as short as 4 hours*


Who needs to provide the latest Income Tax Notice of Assessment (NOA) and how do I retrieve it?

The sole proprietor / partners / directors of the company who are acting as guarantor(s) for the loan need to submit their NOA. You can now download a soft copy of your Income Tax Notice of Assessment at myTax Portal with your SingPass or IRAS PIN. The service is free. Log on to to begin.

What if I do not have the latest Financial Statements/Bank Statements?

Enjoy our 4-hour loan approval when you submit all required supporting documents.

Am I eligible to apply for DBS SME Loans?

Here are the eligibility criteria for the respective loans:
SME Working Capital Loan:

  • SMEs who are registered and operating in Singapore
  • Have at least 30% local shareholdings; and
  • Company’s group annual sales of not more than S$100 million or Group employment size of not more than 200 employees.

SME Micro Loan:

  • At least 30% local shareholding; and
  • Employs 10 workers or less OR has turnover of SGD 1 million or less

DBS Business Term Loan:

  • All Singapore-registered businesses can apply

How long can I take to repay the loan?

Borrow for up to 4 years with the SME Micro Loan.
Borrow for up to 5 years with the SME Working Capital Loan or DBS Business Term Loan.

How much can I borrow?

Depending on your profile, you can borrow up to $500,000 with us.
Calculate your eligibility here. Calculate

How do I find out more information?

Please call us at 1800 222 2200 (if you’re in Singapore) or +65 6222 2200 (if you’re calling from overseas) for more information.