DBS Working Capital Loan

Working Capital Loan

Borrow up to $500k and enjoy 50% off processing fees!

Working Capital Loan

Borrow up to $500k and enjoy 50% off processing fees!

Festive Promotion
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Ready to accelerate your business growth? From now till 28 February 2026, secure your first or the next Working Capital Loan** and you will instantly unlock up to S$888 cashback credited directly to your DBS Corporate Credit Card!

Disbursed Loan Amount Cashback
S$100,000 and above S$388*
S$200,000 and above S$888*

 

* Terms and Conditions apply.
** Applicable to SME Working Capital Loan and DBS Business Loan applications submitted via this link on or before 28 February 2026. The Bank may vary the terms and conditions or discontinue this processing fee discount at any time without any liability to any party. The Bank's decision on all matters relating to the promotion shall be final.

Apply for Working Capital Loan

Why SMEs choose this Loan
DBS Working Capital Loan up to S$500,000

Borrow up to S$500,000 with interest rate from 7%, up to 5 years

DBS Working Capital Loan No documents required

No documents required for loans of up to S$50,000 for new borrowers with DBS

DBS Working Capital Loan Lower processing fees

Enjoy lower processing fees for applications submitted online

Calculate your affordability
How it works
1
Submit your application online

Check if you need to gather documents for your application.

2
Inform guarantors about your application

We’ll email your guarantors to endorse your application.

3
Track your application status

Upon submission, you can track your application status on DBS IDEAL online business banking platform.

4
Review the offer

Once approved, we’ll give you an offer. You can accept the offer on DBS IDEAL online business banking platform. 

5
Look out for our notification

We’ll notify you when we disburse the funds into your DBS business account.

Documents to prepare

If you apply using ACRA or MyInfo Business, we can retrieve most of the required information without asking you to submit financial documents. However, some businesses may be required to provide additional information.

Additional documents required could be:

  • Latest 2 years financial statements
    Usually not required for loans below S$50,000
  • Latest 3 months bank statements
    Not required if DBS is your main operating bank

*No documents required for loans of up to S$50,000 for new borrowers with DBS

Frequently asked questions
Is my business eligible for this loan

To get this loan, your business must:

  • be registered and operating in Singapore with at least 30% local shareholdings (Singaporeans or Permanent Residents) and
  • have an annual group sales below S$100 million or
  • have a group employment size of fewer than 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 level down)
What's the process of accepting the offer digitally on DBS IDEAL?

While we're processing your application, you can track your application status on DBS IDEAL online business banking platform. Once approved, we'll give you an offer. In cases where an offer cannot be accepted digitally, a relationship manager will assist with the acceptance.
Are there any fees for repaying my loan earlier?

Currently, there is no pre-payment fees for SME Working Capital Loan. However, the bank would need your redemption notice at least 1 month in advance. For more information, speak with your relationship manager.
Can I apply for SME Working Capital Loan if I've applied for this with other banks?

Yes. And no matter how many loan offers you receive, the total aggregated amount borrowed across different participating financial institutes is capped at S$500,000.
What is my Processing Fee?

Exclusive: For online applications, enjoy a promotion of 50% off your processing fee.

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