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 $300K for working capital. Maximum limit $500K from October 2022 to March 2023. Maximum repayment period up to 5 years. From 50% government risk sharing. Part of the Enterprise Financing Scheme facilities.

Enterprise Financing Scheme (EFS)

Various government financing schemes streamlined under one umbrella to support various stages of your business growth. Government risk sharing with participating finance institutions.

Temporary Bridging Loan Programme

To help SMEs access working capital to deal with Covid-19’s impact. Access up to max $1M financing with interest rate capped at 5.5% p.a. Scheme ends in September 2022.

Trade Loan &
Loan Insurance
Scheme (LIS)

Credit insurance scheme, premiums partially supported by Government. For short term trade finance needs such as inventory/stock financing.

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

Group revenue below S$100M or maximum 200 employees

Business entity registered and physically present in Singapore

Minumum 30% shareholdings held by Singaporean or PR

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SME Financing Institutions

  • DBS SME loan
  • standard chartered sme loan
  • Maybank SME loan
  • RHB SME loan
  • OCBC SME loan
  • UOB SME loan
  • CIMB SME loan

For potential partners or source of funds, we welcome collaborations to bring more funding products to our platform. Kindly contact

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!

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"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)


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"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
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WaWe Design
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Hola Pte Ltd
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"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.”

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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.