Working Capital


Enjoy greater flexibility with immediate access to funding

Access funds quickly and easily with a DBS Overdraft facility. This revolving line of credit frees up cash that can be invested back into the business in order to help you grow. Interest is only charged on the amount you have actually used, which makes this a low-cost financing solution that is easy to manage.

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Why choose DBS Overdraft?

  • Access additional funds immediately, when you need them most
  • Manage your costs easily. You only incur interest charges when you actually use the facility
  • 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


How is my overdraft secured?

Your overdraft may be secured or unsecured. Eligible securities that may be considered include properties and fixed deposits.

How quickly do I have to pay it back?

There is no fixed repayment schedule as this is a revolving line of credit.

Do I need to have an account with DBS in order to use my overdraft facility?

Yes, you will need a DBS Business Account. Please refer to our Business Account page for more details.

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 (if you’re in Singapore) or +65 6222 2200 (if you’re calling from overseas) for more information.

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