Tailored funding for your business

No matter what your business goals are, a tailored business loan or credit line can help you make them a reality. At GrabFinance, we’re focused on flexible, specialised loans that help small businesses across Southeast Asia thrive.

A loan to suit your business


Business Loan

Fund your business dreams with a hassle-free, affordable business loan.
Up to
12 months
Increasing your working capital and managing daily operating costs

Merchant Credit Line

Get funding when you need it with a flexible, pre-approved line of credit.
Up to
Business lifetime
Purchasing inventory and meeting other short-term needs

Why choose GrabFinance for your small business?



With fast approval and regular disbursals, you can receive funding in just a few days.



Automatic repayments let you set and forget so your loan’s always on track.



We’ll get to know your business before offering funding that suits your needs.

Affordable loans for small business

With no application fee and interest rates from as low as 0.9%, a GrabFinance loan can help you realise your business dreams.


icon Without the funds, a lot of these orders can’t be fulfilled. It really helps companies like us. icon

Nicholas and Vincent

Flesh Imp, Singapore-based fashion label

Learn how GrabFinance helped

What could you do with a GrabFinance loan?

  • Hire freelancers and employees
  • Purchase inventory
  • Trial new products
  • Upgrade your technology
  • Manage your cashflow
  • Renovate your space
  • Launch marketing campaigns and promotions
  • Reinvent your website
  • Seize new opportunities

Is my SME eligible

Limited liability

partnership or company

200 staff

or fewer

30%+ owned

by a Singapore citizen or PR

6+ months

in operation

Get funding more easily

When you’re a GrabPay or GrabFood partner, we know your business is on the right track. That means we’re more likely to lend to you, and higher amounts too. It’s a win-win with new revenue streams and easier funding.

Accept more payment options in-store

Learn more

Feed millions of hungry customers near you

Learn more


It can take up to five business days for us to review and approve your completed application and supporting documents. Once accepted, you’ll receive your funds in just a couple of days.

There’s no application or repayment fee. Just:

Monthly interest: As low as 0.9%, computed on a reducing balance basis.

Disbursal fee: 5% of the loan amount.

Late fee: Twice the existing monthly interest rate applicable on the overdue principal amount.

If you’re a GrabPay or GrabFood partner, repayments will be automatically deducted from your GrabPay balance at the end of each month. If there’s not enough available in your balance, we’ll deduct the remainder from your bank account.

If you’re not a Grab merchant, repayments will be automatically deducted from your bank account at the end of each month.

Either way, there’s nothing for you to do except keep focusing on your business.

See more FAQs

This information is intended as a guide only and does not constitute a loan application or offer of finance. Any finance or loan request is subject to GrabFinance’s internal assessment, standard disclaimers and terms and conditions.

See full terms and conditions

Why Partner with Us?


When you start a small business, you’ve got big dreams. And GrabFinance is here to help. We’re committed to empowering SMEs across Southeast Asia with funding, tools and insights so they can reach their goals, no matter what they are.

Have a question? Check out our FAQs

Want to chat?

Complete our form and we’ll be in touch to talk about your business funding needs.

Let us help you

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Let’s chat about your business needs

Komsan Chiyadis

GrabFood delivery-partner, Thailand

Komsan Chiyadis

GrabFood delivery-partner, Thailand

COVID-19 has dealt an unprecedented blow to the tourism industry, affecting the livelihoods of millions of workers. One of them was Komsan, an assistant chef in a luxury hotel based in the Srinakarin area.

As the number of tourists at the hotel plunged, he decided to sign up as a GrabFood delivery-partner to earn an alternative income. Soon after, the hotel ceased operations.

Komsan has viewed this change through an optimistic lens, calling it the perfect opportunity for him to embark on a fresh journey after his previous job. Aside from GrabFood deliveries, he now also picks up GrabExpress jobs. It can get tiring, having to shuttle between different locations, but Komsan finds it exciting. And mostly, he’s glad to get his income back on track.