Unsecured Business Loan

Propel your business forward.

Unsecured Business Loan

At CitiBusiness, we recognise that Small and Medium Enterprises (SMEs) are the engine for Singapore's growth. With our extensive experience and expertise in working with SMEs worldwide, CitiBusiness can help propel your business forward with our suite of customised products and services.

Specially for SMEs, we offer a fast and flexible Unsecured Business Loan (UBL) that can be tailored to meet your company's specific needs.

Features & Benefits

CitiBusiness Unsecured Business Loan gives you the traditional option of obtaining funds with regular scheduled and fixed repayment terms, without the long-term debt obligation.

Fast and efficient approval

  • Receive financing of up to S$350,000*.
  • Fast access to business funds upon receipt of full documentation.

Easy to apply

  • Simple documentation requirements and hassle-free application process.

Competitive interest rates

  • CitiBusiness offers one of the best rates in the industry, with a repayment of up to 4 years*.

Regular repayment schedule and amount

  • Scheduled repayment terms to match business' cash flow.
  • Automatic monthly deduction.

Overdraft facility*

  • Additional cash when business requires.

Flexibility of use

  • Lump-sum disbursement of funds to meet your immediate needs.
  • Flexible to use in any way your business requires.

Preferential rates

  • Citigold clients get to enjoy preferential rates.

*Approval subject to terms and conditions.

Eligibility & Documents


  • Singapore-registered business
  • 30% or more shareholding held by Singaporeans and/or Singapore Permanent Residents
  • Minimum three (3) years in business operation
  • Minimum S$750,000 in annual sales turnover

Documents Required

  • CitiBusiness Unsecured Business Loan Application form
  • Photocopies of Identity Card(s) of Sole Proprietors/Partners/Guarantors
  • Company's operating bank current account statements for the recent 6 months
  • Company's financial statements for the latest 2 years
  • Income Tax Notices of Assessment of Sole Proprietors/Partners/Guarantors