# OCBC Bank

> Singapore universal bank with strong SME franchise across working capital, term and EFS-backed financing.

**Type:** Universal bank
**Tier:** bank
**Legal entity:** Oversea-Chinese Banking Corporation Limited
**Headquarters:** Singapore (HQ)
**Regulator:** MAS — full bank licence under the Banking Act
**Authoritative source:** [https://www.ocbc.com/business-banking](https://www.ocbc.com/business-banking) · verified 2026-06-05

## Products

- **OCBC Business First Loan** — EFS SME Working Capital Loan route
- **OCBC Business Term Loan** — Term financing
- **OCBC SME Working Capital Loan** — EFS-eligible working capital
- **Business Revolving Short Term Loan** — Revolving short-term facility

## Eligibility

See OCBC business banking pages for current eligibility.

## Strengths to know

- Strong relationship-banking model
- EFS participation
- Industry vertical expertise

## Considerations / caveats

- Bank-tier KYC + documentation

## 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 OCBC Bank — verify on the [lender's product page](https://www.ocbc.com/business-banking) 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/ocbc/facts.json`*
*Generated: 2026-06-05*