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What do you need help with?
you are in GROUP WHOLESALE BANKING
With up to 5 years for repayment1
With operations of more than 12 months.
You don't have to pledge any property or deposit to apply.
Hear back from us within 1 business day2
With government-assisted funding options
Conveniently apply through UOB SME app.
| UOB Business Loan | Description |
| SME Working Capital Loan | Unsecured working capital loan of up to S$500,000, jointly offered by Enterprise Singapore (ESG) |
| UOB BizMoney | Unsecured loan of up to S$350,000 |
| UOB Business Loan |
| SME Working Capital Loan |
| UOB BizMoney |
We'll follow up with you within 1 business day.
Your monthly instalment amount is based on an indicative interest rate of 2.5% p.a. over 5 years. This is not the final approval from UOB and is subject to UOB's full credit assessment.
By proceeding, you confirm that you have obtained and agree to be bound by the Bank's Privacy Notice (Corporate). You consent to the Bank collecting, using and disclosing the given contact details and personal details for Basic Banking Purposes, Co-branding Purpose, Research Purpose and Marketing Purpose as described in the Bank's Privacy Notice (Corporate).
Your calculated monthly instalment
This is a bundled loan which combines Enterprises Singapore (ESG) and SME working Capital Loan together with UOB BizMoney.
The SME Working Capital Loan, offered under ESG's Enterprise Financing Scheme, provides an S$500,000. The default risk share is at 50%, while younger companies (incorporated within the last 5 years) enjoy a higher risk share of 70%.
UOB Business Loan is the Bank’s unsecured loan where we offer financing to SME of up to S$500,000.
The UOB Business Loan helps SMEs looking to expand, automate, or upgrade by providing working capital to sustain their daily operations.
Collaterals refer to assets such as property or cash deposits that are pledged by the lender as a form of repayment security.
UOB Business Loan is an unsecured loan, so you do not have to pledge any collateral to apply. Please note that a personal guarantee may be required.
The various loan options are available to the following companies:
Apply online via Myinfo business and we'll get in touch within 1 business day2.
UOB Business Bundled Loan consist of UOB Business Loan and SME Working Capital Loan and you may apply for any of them. The respective terms and conditions governing BizMoney and SME Working Capital Loan are contained in the application form and other offer documents, including the facility letter.
~Information is accurate as of 15 October 2022
#Personal guarantees may be required.
^For enquiries that reach UOB within the Stipulated Timing, we will contact you by the next Business Day with an indicative loan amount that you may apply for. “Business Day” is defined as Mondays to Fridays (Singapore date and time, and excluding Singapore and bank public holidays). “Stipulated Timing” is defined as 8am to 8pm from Mondays to Saturdays (Singapore date and time, and excluding Singapore and bank public holidays). For enquiries that reach UOB at times other than the Stipulated Timing, we will contact you within two Business Days after UOB receives your enquiries, with an indicative loan amount that you may apply for. Full product terms and conditions apply. The quote of the indicative loan amount is based on the information provided by the customer and does not constitute an offer, an invitation to offer, a solicitation or recommendation to enter into or conclude any transaction, and the quote of the indicative loan amount is not a contractual agreement by UOB to provide the UOB business loan or any other products/ services to the customer. Accordingly, the actual approval of the UOB business loan application is subject to the submission of the required full and complete documentation as UOB may so require at its discretion and UOB's credit assessment. UOB has the absolute right and discretion to decide, for whatever reason and without prior notice and without being liable to any person, whether to approve the customer's application for the UOB business loan and whether (i) to grant (or not to grant) the customer the amount of the UOB business loan requested for in the customer's application form; or (ii) to grant the customer a lower amount from the amount of the indicative loan amount quoted or from the amount of the UOB business loan requested for in the customer's application form. Visit uob.com.sg/businessloan for more information.
1Aggregated across all participating Financial Institutions
2For enquiries that reach UOB within the Stipulated Timing, we will contact you by the next Business Day with an indicative loan amount that you may apply for. “Business Day” is defined as Mondays to Fridays (Singapore date and time, and excluding Singapore and bank public holidays). “Stipulated Timing” is defined as 8am to 8pm from Mondays to Saturdays (Singapore date and time, and excluding Singapore and bank public holidays). For enquiries that reach UOB at times other than the Stipulated Timing, we will contact you within two Business Days after UOB receives your enquiries, with an indicative loan amount that you may apply for.
3The maximum loan of S$800,000 can be bundled in different amounts across SME working capital loan and UOB business loan. For example, S$450,000 under SME working capital loan and $350,000 under UOB business loan
4Annual 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).
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