Government Assisted Financing Schemes In Singapore
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Government Business Loan for SMEs
There are various government-assisted SME loan financing schemes in Singapore for SMEs to tap into. These schemes help businesses access financing across various stages of growth.
Most of these financing schemes are administered by Enterprise Singapore (ES), a statutory board to help SMEs innovate, upgrade capabilities and internationalize. Typically, some percentage of risk sharing from ES will be provided with participating financial institutions.
Participating financial institutions (PFIs) such as banks and financing firms facilitate and assess businesses' applications within their internal credit risk assessment criteria.
We'll share some of these government assisted financing schemes for SMEs below.
Government Assisted
SME Loan Schemes
SME Working
Capital Loan
SME Working Capital Loan with up to $500K maximum loan limit for working capital. Maximum repayment period up to 5 years. From 50% government risk sharing. Part of the Enterprise Financing Scheme facilities.
SME Fixed Assets Financing
To help finance purchases of fixed assets such as equipment and machinery for purpose of automation and business capability upgrading. New or resale assets can both be financed.
Maximum loan amount: Up to S$30 million
Maximum tenure: Up to 15 years
Business Venture Loan
To finance high growth innovative startups at late-stage financing phase. Venture debt and/or Warrants are typical financing instruments under this scheme.
Maximum loan amount: Up to S$8 million
Maximum tenure: Up to 5 years
Project Financing Loan
To finance overseas and local projects, typically for large mid to long term projects either domestically or overseas. Various financing instruments could be utilized to fulfil financing requirements, including working capital loans, assets financing, invoices financing and banker's guarantee/standby letter of credit.
Maximum loan quantum: Up to S$50 million for overseas projects and S$30M for local projects.
Maximum loan tenure: Up to 15 years.
Government assisted loan eligibility
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What You Get
Lower Interest Costs
Potentially save 30%-50% on interest costs. Obtain unsecured business loan at interest from as low as 1.3% p.a.
Higher Approval Rate
Improve your approval chances. We are familiar with the credit criteria of most banks with solid track record of > 60% approval rate for SME loan applications.
Secure Funding Faster
We help your company secure financing fast! Reduce SME loan application processing time by 3-5 working days.
Hassle Free Approach
Leave the tedious business loan application process to our specialists while you focus resources on your core business.
Higher Finance Amount
Secure larger financing & higher loan amount. Procure up to $1M or more unsecured SME loans.
Risk Free Process
No upfront fees, no fees applicable if we’re not able to secure financing for your company. Performance guarantee, pay only for results!
Join hundreds of SMEs just like yours who entrusted us to help grow their business
Fast efficient response
"We are very satisfied with the service and capability of Linkflow Capital in assisting with our company’s expansion. They have provided us clear financing solutions with fast response and turnaround time.”
Mr Frankie Gwee
Tuan Yuan Pork Ribs Soup
(F&B restaurant)
Trusted advisor
"Linkflow Capital has assisted our company with trade financing, enabling a 300% revenue growth in 2 years. They are our trusted advisor and served us with efficiency and honesty over the years.”
Mr S.S. Lee
Powerzone Technologies
(Engineering and trading firm)
Sincere customer service
“Linkflow Capital has helped us identify facilities suitable for our company’s growth. The consultant is sincere, efficient and provided prompt follow up service.”
Mr Toh
WaWe Design
(Reno & ID firm)
Professional consultant
"The consultant’s service exceeded my expectations. He is professional and provided me with useful insights. I would gladly recommend Linkflow to anyone looking for a professional who knows their stuff and can deliver."
Mr Wong
Hola Pte Ltd
(Retail and e-commerce)
Flexible solutions
"Ben is a professional and exercised flexibility in our engagement. Others have approached us but we choose to stick with the consultant. He delivered beyond expectations and justified our decision."
Mr Phua
Rave International Group
(Events company)
Trustworthy and reliable
“Linkflow Capital is our long-term partner, supporting the growth of our company from the start. They are trustworthy, reliable and responsible, key qualities why they are my sole and preferred finance consultant over the years.”
Mr Kamesh
Appali Engineering Pte Ltd
(Construction company)
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About Linkflow Capital
Linkflow Capital Pte Ltd is a Singapore consultancy firm that assists SMEs to secure business loans from banks and financial institutions. Incorporated since 2012, we specialize in SME finance and through our expertise and extensive network, we help clients secure funding with low interest rates efficiently and hassle free.
Expertise
We are familiar with the documentations and information banks will require as well as various banks’ business loan credit criteria.
Network
We have access to more than 20 banks and financial institutions offering SME loans in Singapore, with relationships cultivated over the years.