Side-by-side

DBS Bank vs Funding Societies Singapore

Comparing across tiers (bank vs alt-lender) — different underwriting, tenor, and price profile.

DBS Bank Funding Societies Singapore
Tier Bank Alternative lender
Type Universal bank P2P / digital lender
Regulator MAS — full bank licence under the Banking Act Capital Markets Services (CMS) licence under the Securities and Futures Act — MAS-regulated for the P2P investing surface
Products
  • DBS SME Working Capital Loan
  • DBS Business Loan
  • DBS Digital Business Loan
  • DBS Property Loan
  • Business Term Loan
  • Invoice Financing
  • Working Capital Loan
  • Microloan
Eligibility See DBS SME pages for current minimum revenue, operating history, and documentation requirements. Singapore-registered business, typically minimum 1-year operating history. See lender product page for revenue thresholds and documentation.
Strengths
  • Singapore-anchor bank; deep SME franchise
  • Full EFS scheme participation
  • Digital IB & onboarding
  • Multi-product range
  • Online application
  • Multiple loan sizes (micro through to S$4M ticket range published by lender)
Considerations
  • Bank-tier underwriting standards; new / pre-revenue companies may need EFS young-enterprise route or alt-lender
  • Verify current rates + fees on lender product page
  • Loans funded by accredited investors via CMS licence — read T&Cs
Source Source: DBS Bank ↗ Source: Funding Societies Singapore ↗

DBS Bank full profile →

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

Funding Societies Singapore full profile →

Southeast Asia digital SME-financing platform; multiple loan types including business term, working capital, invoice financing.

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