What interest rates can I expect for a business loan in Singapore?

Business loan rates in Singapore depend on your credit score, business history, and loan type. Use our calculator to compare different rate scenarios.

How is the total cost of a business loan calculated?

Total cost includes principal, interest over the loan term, and any fees. Our calculator provides a complete amortization schedule so you can see the full picture.

Singapore calculator

Business Loan Calculator Singapore - 2025

Our free business loan calculator helps you make informed financial decisions in Singapore. Whether you are planning your budget, evaluating a loan, or projecting investment growth, our calculator provides accurate results based on Singapore specific rates and regulations.

Loan Amortization Calculator

Generates a complete amortization schedule for a loan

Inputs

Loan Amount

Annual Interest Rate

Loan Term (Years)

Payments per Year

Results

Payment Summary

Payment per PeriodS$2,027.64

Total PaymentS$121,658.37

Total InterestS$21,658.37

Payoff Date2031-06-06

Amortization Schedule (60 payments)

Period 1P: S$1,360.97 | I: S$666.67 | B: S$98,639.03

Period 2P: S$1,370.05 | I: S$657.59 | B: S$97,268.98

Period 3P: S$1,379.18 | I: S$648.46 | B: S$95,889.80

Period 4P: S$1,388.37 | I: S$639.27 | B: S$94,501.43

Period 5P: S$1,397.63 | I: S$630.01 | B: S$93,103.80

Period 6P: S$1,406.95 | I: S$620.69 | B: S$91,696.85

Period 7P: S$1,416.33 | I: S$611.31 | B: S$90,280.52

Period 8P: S$1,425.77 | I: S$601.87 | B: S$88,854.75

Period 9P: S$1,435.27 | I: S$592.37 | B: S$87,419.48

Period 10P: S$1,444.84 | I: S$582.80 | B: S$85,974.64

Period 11P: S$1,454.48 | I: S$573.16 | B: S$84,520.16

Period 12P: S$1,464.17 | I: S$563.47 | B: S$83,055.99

Business Loan Costs in Singapore

Calculate monthly payments, total interest, and overall cost of business loans in Singapore. Enter the loan amount, interest rate, and term to see your repayment schedule.

Singapore SME Financing

Small and medium enterprises in Singapore have various financing options. Our calculator helps you compare different loan structures and find the most cost-effective solution for your business.

Compare Business Loan Calculator

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Last Updated: June 2026 — Reviewed Against Official Sources

Official Sources

Singapore calculators use data from the following official government agencies:

Inland Revenue Authority of Singapore (IRAS) — Personal income tax rates, reliefs, and rebates.
SingStat (Department of Statistics Singapore) — Economic indicators, wage data, and household statistics.
Ministry of Finance (Singapore) — Fiscal policy, GST rates, and government budget data.
CPF Board — CPF contribution rates, allocation ratios, and withdrawal rules.

Methodology

Our Singapore calculators follow income tax rates, CPF contribution rates, and GST rates published by IRAS and the Ministry of Finance. Economic data is sourced from SingStat and the Department of Statistics. All figures are for educational purposes and should be verified with a qualified professional.

Data Sources

All tax brackets, contribution rates, and economic data used in our calculators are sourced from the official government publications listed above. Rates are updated at least annually to reflect the latest tax year and regulatory changes. Users should verify critical figures with official sources or qualified professionals.

Last updated: June 2026. Information may change; always verify with official sources.