SG Calculator

Singapore Business Loan Calculator

Calculate Business Loan EMI

Loan Amount (SGD):

Annual Interest Rate (%):

Loan Tenure:

Loan Type:

Business Type:

Annual Revenue (SGD):

Business Age (years):

Processing Fee (%):

Business Loan Results

Enter your business loan details to calculate EMI, total interest, and loan affordability.

Singapore Business Loan Information

Business loans in Singapore are available from banks, financial institutions, and government schemes to support SME growth and operations.

Term Loans

Purpose: Business expansion, equipment purchase

Tenure: 1-20 years

Rate: 4-8% p.a.

Fixed monthly repayments

Working Capital Loans

Purpose: Daily operations, inventory

Tenure: 6 months - 3 years

Rate: 5-10% p.a.

Flexible repayment options

Equipment Financing

Purpose: Machinery, vehicles, equipment

Tenure: 2-7 years

Rate: 4-7% p.a.

Equipment as collateral

Trade Financing

Purpose: Import/export activities

Tenure: 30-180 days

Rate: 3-6% p.a.

Letters of credit, guarantees

Eligibility Criteria

Business Registration: Valid ACRA registration
Business Age: Minimum 1-2 years of operations
Annual Revenue: Minimum $200,000 - $500,000
Credit Score: Good business and personal credit history
Financial Statements: Audited accounts for past 2-3 years

Government Support Schemes

Enterprise Financing Scheme (EFS): Government-backed loans
SME Working Capital Loan: Up to 70% government risk-sharing
Temporary Bridging Loan: Short-term financing support
Trade Loan: For import/export businesses
Micro Loan: For small businesses and startups

Factors Affecting Interest Rates

Business credit score and financial health
Industry type and risk profile
Loan amount and tenure
Collateral and guarantees provided
Relationship with the lender