Working Capital


Enjoy greater flexibility with immediate access to funding

Access funds quickly and easily with a DBS Overdraft facility. This revolving line of credit frees up cash that can be invested back into the business in order to help you grow. Interest is only charged on the amount you have actually used, which makes this a low-cost financing solution that is easy to manage.


Why choose DBS Overdraft?

  • Access additional funds immediately when you need them most with preferential interest rates
  • Manage your costs easily. You only incur interest charges when you actually use the facility
  • Customise your repayment terms to suit your needs
  • Manage your finances easily with IDEAL™, our online banking platform


How does the overdraft facility work?

The overdraft facility allows you flexible usage as you can loan up to an approved credit limit anytime. Interest is only charged on the amount used so you can better manage your funds.

How is my overdraft secured?

Your overdraft may be secured or unsecured. Eligible securities that may be considered include properties and fixed deposits.

How quickly do I have to pay it back?

There is no fixed repayment schedule as this is a revolving line of credit.

Do I need to have an account with DBS in order to use my overdraft facility?

Yes, you will need a DBS Business Account. Please refer to our DBS Business Account page for more details.

How will I know if my application has been approved?

A relationship manager will be assigned to you and will contact you to arrange for the necessary documents required to facilitate the term loan.

Please call us at 2290 8068 for more information and if you need assistance.


How do I apply?

Simply call DBS Business Care at 2290 8068 or visit our Enterprise Banking Centres, SME Banking or designated DBS Branches and our Relationship Manager will be glad to assist you. You will need to submit the following documents:

  • Company registration documents and business profile
  • Latest financial reports
  • Latest bank statements from major banks
  • Business owners information

To borrow or not to borrow? Borrow only if you can repay!

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