# DBS Bank

> Singapore-headquartered universal bank with full SME lending stack including EFS-backed schemes.

**Type:** Universal bank
**Tier:** bank
**Legal entity:** DBS Bank Ltd.
**Headquarters:** Singapore (HQ)
**Regulator:** MAS — full bank licence under the Banking Act
**Authoritative source:** [https://www.dbs.com.sg/sme/default.page](https://www.dbs.com.sg/sme/default.page) · verified 2026-06-05

## Products

- **DBS SME Working Capital Loan** — Working capital (EFS-eligible)
- **DBS Business Loan** — Multi-purpose SME term financing
- **DBS Digital Business Loan** — Online-first quicker application
- **DBS Property Loan** — Commercial property financing

## Eligibility

See DBS SME pages for current minimum revenue, operating history, and documentation requirements.

## Strengths to know

- Singapore-anchor bank; deep SME franchise
- Full EFS scheme participation
- Digital IB & onboarding

## Considerations / caveats

- Bank-tier underwriting standards; new / pre-revenue companies may need EFS young-enterprise route or alt-lender

## Verified product data (Supabase audit trail)

Ingested from https://www.dbs.com.sg/sme/default.page via scripts/ingest/extract-loan-facts.mjs (Sonnet 4.6 tool_use + Zod validation). Snapshot generated 2026-06-05T10:34:41.220Z.

- **DBS Working Capital Loan**
  - Purpose: Working capital / cash flow support
  - Type: working_capital
  - EFS eligible: false

## Disclaimer

businessloans.sg is an independent lead-generation comparator. We are not a licensed moneylender under the Moneylenders Act 2010 and not a MAS-licensed financial adviser under the FAA. All current rates, fees, tenor, and eligibility are set by DBS Bank — verify on the [lender's product page](https://www.dbs.com.sg/sme/default.page) before applying.

## License

CC BY 4.0 with attribution to businessloans.sg + the lender source URL.

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*Machine-readable counterpart: `/api/provider/dbs/facts.json`*
*Generated: 2026-06-05*