Fast business loans built for homegrown SMEs.
Explore our full range of business loans. Find the right loan product to match your cash flow, equipment, or expansion goals.
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Fast Business Loans
Less paperwork. Ready in a day.
Scale your SME with unsecured financing, from term loans to credit lines. Government-assisted schemes available.
Working Capital Loan
Loan up to S$500,000, no collateral. Manage your daily operational costs and navigate unexpected emergencies.
GXS FlexiLoan Biz
Access an instant standby credit line up to S$150,000. Seamless app sign-up, with zero fees. Comes with a GXS Biz Account with daily interest.
Supply Chain Financing
Keep your operations running smoothly by unlocking cash tied up in payables, receivables, and purchase orders.
Invoice Financing
Advance up to S$1M. Turn your unpaid invoices into valuable cash flow for your business.
Accounts Payable Financing
Access up to S$1M to pay local and overseas suppliers upfront, with financing covering 100% of your invoice value.
Purchase Order Financing
Get upfront capital of up to S$1M. Convert your purchase orders into instant cash flow for overheads and purchases.
GXS Biz Property-Backed Loan
Unlock up to S$5M using your residential or commercial property, with monthly interest-only repayments. Now available to all Singapore SMEs.
Fast Business Loans
Less paperwork. Ready in a day.
Scale your SME with secured and unsecured financing, from term loans to credit lines. Government-assisted schemes available.
Working Capital Loan
Loan up to S$500,000, no collateral. Manage your daily operational costs and navigate unexpected emergencies.
GXS FlexiLoan Biz
Access an instant standby credit line up to S$150,000. Seamless app sign-up, with zero fees. Comes with a GXS Biz Account with daily interest.
Supply Chain Financing
Keep your operations running smoothly by unlocking cash tied up in payables, receivables, and purchase orders.
Invoice Financing
Advance up to S$1M. Turn your unpaid invoices into valuable cash flow for your business.
Accounts Payable Financing
Access up to S$1M to pay local and overseas suppliers upfront, with financing covering 100% of your invoice value.
Purchase Order Financing
Get upfront capital of up to S$1M. Convert your purchase orders into instant cash flow for overheads and purchases.
GXS Biz Property-Backed Loan
Unlock up to S$5M using your residential or commercial property, with monthly interest-only repayments. Now available to all Singapore SMEs.
Apply for a business loan.
Application Submitted Successfully!
We've received your business loan application. Our team will review the details and get back to you within 3-5 business days.
If you have any urgent questions, please contact us at support@gxs.com.sg
GXS Bank holds a banking license and is regulated by the Monetary Authority of Singapore. GXS Business Banking operates under GXS Bank to provide financial products and services to enterprises. GXS Bank is a separate entity and is not associated with the businesses of Grab, Singtel, or their entities. Approval of your application for GXS Business Banking products and services is subject to the receipt of all supporting documents, review, and processing time. GXS Bank reserves the right to approve or reject applications without providing reasons. Late interest charges may apply for late repayment. Loans are subject to periodic review and may be cancelled at the discretion of GXS Bank.
As a Sole Proprietor, you can download and enjoy the GXS Bank app today!
Scan to download app
As a Private Limited Company with Single Director, you can download and enjoy the GXS Bank app today!
Scan to download app
Unlock higher limits with EFS schemes.
Leverage our government-backed financing schemes to access higher loan limits and scale your business faster.
Unlock higher limits with EFS schemes.
Leverage our government-backed financing schemes to access higher loan limits and scale your business faster.
Not sure which business loan is right for you?
We got you covered! Our SME relationship managers are here to help you find financing solutions that suit your business needs. A little chat goes a long way, and the best part, it's free!
More rewards for you.
Exclusive benefits worth over S$10,000 just for you.
Awarded by Asian Banking & Finance Retail Banking Awards 2026
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Hear it from homegrown businesses
Real voices, real successes - here's how our customers are winning with GXS Bank.
GXS FlexiLoan Biz lets me manage my operating cashflow, and having GXS Biz Account assures my corporate clients that their payments to me are going to a credible and secure account.
Getting higher interest rates from my GXS Biz Account is great, and it works seamlessly with my Grabpay to receive payment from my customers.
I was looking for an alternative business account with no charges for transactions, and chose GXS Biz Account because of its ease of use and daily interests.
GXS FlexiLoan Biz lets me manage my operating cashflow, and having GXS Biz Account assures my corporate clients that their payments to me are going to a credible and secure account.
Getting higher interest rates from my GXS Biz Account is great, and it works seamlessly with my Grabpay to receive payment from my customers.
I was looking for an alternative business account with no charges for transactions, and chose GXS Biz Account because of its ease of use and daily interests.
GXS FlexiLoan Biz lets me manage my operating cashflow, and having GXS Biz Account assures my corporate clients that their payments to me are going to a credible and secure account.
Getting higher interest rates from my GXS Biz Account is great, and it works seamlessly with my Grabpay to receive payment from my customers.
Got questions?
We got answers.
Which GXS business loan is right for my company’s current needs?
We offer a flexible suite of financing options tailored to support small and medium enterprises at every stage of growth. From credit lines and working capital term loans to trade financing and secured property loans. Reach out to us here today, and a dedicated relationship manager will help you determine the best financing solution for your business needs.
How does borrowing from GXS differ from other financial institutions?
Unlike traditional financial institutions, GXS Business Banking lets you skip the branch visits and long processing times. Receive capital in as fast as 4 minutes to 1 working day, without visiting a branch or submitting thick paper files.
Can my business apply for a GXS business loan?
Your business is generally eligible if it meets these baseline criteria:
i. Registered and operating in Singapore (Sole Proprietorship, LLP, or Private Limited company).
ii. Holds at least 30% local shareholding (Singapore Citizens or Permanent Residents) for Working Capital Loan, and 25% for Invoice Financing.
We recommend checking the minimum operating duration and revenue thresholds for your chosen product on its respective product page, or you can find them in our Help Centre here.
Can I pay off my loan early?
Yes. You can settle your outstanding balance partially or in full at any time without early termination penalties on all our business loans.
How do I make my monthly loan repayments?
Repayments can be made directly through the GXS Bank app via your GXS Biz Account, or by standard bank transfer. You can also set up a monthly auto-GIRO deduction from your main operating bank account for hassle-free payments.
Is GXS Bank a licensed and regulated bank in Singapore?
Yes. GXS Bank holds a Digital Full Bank License granted by the Monetary Authority of Singapore (MAS).
Are my business deposits protected if I open a GXS Biz Account alongside my loan?
Yes. Singapore dollar deposits held in GXS Biz Accounts are insured by the Singapore Deposit Insurance Corporation (SDIC) up to S$100,000 in aggregate per depositor by law.
Need Assistance?
GXS Bank holds a banking license and is regulated by the Monetary Authority of Singapore. GXS Business Banking operates under GXS Bank to provide financial products and services to enterprises. GXS Bank is a separate entity and is not associated with the businesses of Grab, Singtel, or their entities.
Approval of your application for GXS Business Banking products and services is subject to the receipt of all supporting documents, review, and processing time. GXS Bank reserves the right to approve or reject applications without providing reasons. Late interest charges may apply for late repayment. Loans are subject to periodic review and may be cancelled at the discretion of GXS Bank.
Deposit Insurance Scheme: Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$100,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.
Full Terms and conditions apply, please visit:
Business Account Terms here.
GXS FlexiLoan Biz Terms here.
Biz Ecosystem Terms - Grab here.
Biz Ecosystem Terms - Singtel here.
Terms and conditions governing GXS Business Banking Campaign here.
GXS SME terms and conditions, click here.
