Fast, unsecured working capital loan up to S$500,000
Now serving Singapore private limited companies and Sole proprietorship owned by a Singaporean or PR.
Loan up to S$500,000 without any collateral.
Secure the working capital your SME needs, with no collateral required.
Affordable interest rates from 0.7% per month.
Take care of your cashflow needs with competitive interest rates and big loan limits. Government assisted schemes available.
Minimal documentation required.
Our swift credit assessment process requires as little as 2 documents from you.
Fast funding in 1 day.
Get your loan approved and disbursed in as fast as 1 working day.
Why SMEs choose this loan?
Now serving SMEs in Singapore.
Who is eligible?
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Working Capital Loan Calculator
*This computation is an estimate provided for reference only and does not constitute a financing offer or approval from GXS Bank. Actual interest rates, fees, and final terms are determined upon credit assessment and may differ from the figures shown. GXS Bank accepts no liability for reliance on these computations. Binding terms will be set out in your formal offer.
Gain access to fast cash or unsecured loan approvals for your business needs
Working Capital Loan by GXS Capital is a credit facility designed to help Singapore Businesses with daily operational costs, seize growth opportunities and navigate unexpected emergencies. Working Capital Loan is a Government assisted business loan for small-medium businesses in Singapore.
Now serving SMEs in Singapore.
GXS Capital is a wholly owned subsidiary of GXS Bank.
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Fast funding for businesses just like yours. Hear from them.
Working Capital Loan is a credit facility designed to help Singapore Businesses with daily operational costs, seize growth opportunities and navigate unexpected emergencies. Working Capital Loan is a Government assisted business loan for small-medium businesses in Singapore.
Now serving Singapore private limited companies and Sole proprietorship owned by a Singaporean or PR.
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.
More business insights
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Now serving all Sole Proprietors and Pte. Ltd.
Got questions?
We got answers.
What are the eligibility criteria or requirements for Working Capital Loans?
Your new SME or small business may qualify for a working capital loan from GXS Capital if it meets the following criteria: it is a private limited company incorporated in Singapore and has been operating for at least 6 months, or it is a sole proprietorship owned by a Singaporean or PR that has been in operation for at least 12 months. The business must be incorporated in Singapore for at least 6 months and be at least 25% locally owned by a Singaporean or Singapore PR. Loan approval is subject to evaluation by our credit and risk teams.
What documents do I need to submit with my application?
To apply for a working capital loan, you are required to submit a minimum of 2 documents* for credit assessment:
- Latest 6 Month Bank Statements
- CBS - Credit Bureau Singapore of Guarantor(s)
- NOA - Notice of Assessment (*only applicable for sole proprietorships and single shareholders)
What are my monthly instalments for a working capital loan?
Your monthly instalments will depend on the amount borrowed, the interest rate, and the tenor of your loan. GXS Capital loans follow a simple, fixed repayment schedule, so you can plan your cash flow and manage your expenses effectively while servicing your loan.
How do I apply for a Working Capital Loan in Singapore? What is the process?
To apply for a working capital loan with GXS Capital, simply book a call with us and we will respond within 1 business day. Once your application has been approved and the documents verified by our credit team, your financing request will be disbursed to your nominated account within 24 hours.
How long does the Working Capital Loan application process take?
The application process for SME working capital loans at GXS Capital is designed to be quick and efficient. After submitting as little as two necessary documents, our credit team reviews your funding application and notifies you within one business day.
What does "pay interest on remaining balance" mean?
*Advertised rate of 0.7% per month (~4.61% flat p.a. on a12-month loans) with interest charged on the remaining principal balance. Actual rates for 12, 24, or 36-month tenures depend on final credit assessment and eligibility.
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.
