Singapore business loan calculator

This calculator provides estimates based on a standard reducing balance interest calculation. Actual repayments depend on your specific loan structure (some loans use flat rate interest, which results in different numbers), the lender's processing fees, and the actual approved interest rate for your profile. Use this as a planning tool — then check eligibility to get actual offer comparisons.

For government-backed EFS Working Capital Loans, try 5–6.5% p.a. For standard bank business loans, try 5–8% p.a. For alternative lenders (Funding Societies, ANEXT), try 10–14% p.a. The actual rate you receive depends on your business profile, revenue, credit history, and the specific lender.

No. The 2.5% success fee shown is a one-time charge paid on disbursement — it's not included in your monthly repayments. Your monthly repayments go entirely to the lender. Our fee is separate and only charged when you successfully receive your loan.

EFS Working Capital Loans: 1–5 years. EFS Fixed Assets Loans: 1–15 years. Standard bank term loans: 1–10 years. Invoice financing: typically 30–180 days (not suitable for this calculator). Property loans: 5–35 years. Use the tenure slider to model different scenarios.