• Tailored facility size

    Facility size tailored to your business

  • Simple to apply

    Simple and hassle free application process

  • Flexible facility structure

    Pick the right financing solutions to suit your business needs

Solutions and services

Every business is unique. With Business Working Capital, you get to pick the right solutions to suit your business needs and design your financing facilities from our range of trade and working capital products:

  • Overdraft
  • Short term loan
  • Trade services such as Letter of Credit/Banker’s Guarantee/Invoice Financing.
  • FX forwards


  • Locally incorporated operating entities in the form of sole proprietorship/ partnership or private limited company.
  • Entity owned /invested by foreign individuals/entities are acceptable
  • Holding companies not allowed
  • Exclude entities which are majority owned (≥50%) by local Government or restricted by CDD standard or local regulations
  • Minimum 3 years from date of incorporation.

Documents required

  • Partners’/Director’s personal Identification document.
  • Last 6 months business current account statements and last 4 quarters’ Goods and Services Tax (GST) return statements if you are a GST registered company.


What is the maximum facility limit that I can get under Business Working Capital?

The Bank offers up to US$4 million* and an additional limit up to US$0.5 million to cover your FX hedging needs under Business Working Capital.

What determines the facility size that I am granted?

The facility size we grant will depend on each business’ financials such as sales turnover, overall banking facilities and exposure with other financial institutions and the value of your collateral pledged to the bank. For property pledged as collateral, we can help you unlock your property’s potential with a facility size of up to 120%# of the value of your property.

What do I have to provide as collaterals?

We accept residential, commercial and industrial properties, cash collaterals and stand-by letter of credit as collaterals. Selected types of government guarantees are also accepted if no collateral is provided.

Do I need to have an account with the Bank?

Our Business Working Capital facility requires you to maintain an operating account with us.
Your account with us must have business inflows of at least 50% of the facility limit every quarter to qualify as an operating account. We know it takes time to move your business to a new bank, so we will only start measuring your business inflows 3 months from the month the facility is made available to you. Thereafter, the inflows in your account are measured once every calendar quarter.
A shortfall fee of 1% per annum of the facility limit will be charged if the business inflows of at least 50% of the facility limit every quarter is not met.

*Successful applicants may be granted up to a maximum of US$2 million of facilities which must be secured by residential, commercial and/or industrial properties, and up to a maximum of an additional US$2 million of facilities which must be secured by Cash and/or a Stand-by Letter of Credit.
# This is the maximum level of financing. Each successful applicant’s level of financing will differ based on different property types and other considerations.
All credit facilities are subjected to the Bank’s approval.

Get in touch

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Call Us

Call our hotline for further information.

Please call:
1800 743 3000

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