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SME Micro Loan

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Government Assisted Financing Scheme for SMEs

The SME Micro Loan is a government assisted financing scheme to help local SMEs access financing.
Enterprise Singapore will provide risk sharing with participating banks & financial institutions to assist SMEs with financing.

Access up to $100K working capital to grow your business. The SME Micro Loan can be used to manage daily operations and cashflow.

We can provide your company a direct comparison on all banks SME Micro Loan rates and eligibility terms. For larger loan quantum, businesses can also look at the SME Working Capital Loan as well as the Temporary Bridging Loan Programme.

Secure the funding you require to expand and scale your business to the next level.
Get a free loan assessment & access to all banks Micro Loan options now, fast and hassle free.

SME Micro Loan Program Features

100k sme micro loan

Up to $100K financing

sme micro loan tenure

Up to 4 years repayment period

sme micro loan risk sharing

Government risk sharing with banks on loan default

Micro Loan Participating Financial Institutions

Ethoz Capital
Hong Leong Finance
IFS Capital
Orix Leasing


SME Micro Loan Interest Rate

The interest rate for SME Micro Loan program is subjected to the participating financial institutions’ risk assessment process.

Eligible SMEs can enquire with the participating banks and financial institutions to find out their respective SME Micro Loan interest rates.

Compare All SME Micro Loans
See All Loan Options Instantly!

Easy SME Loan Comparison Process

As Easy As 1, 2, 3...

working capital loan Singapore process one


Leave your contact details at the
bottom of this page.

working capital loan Singapore process two


Take 1 minutes to fill up a
questionnaire and our proprietary
system will generate indicative
banks and interest rates your
company might be eligible for.

working capital loan Singapore process three


See all banks Micro Loan options available for your
company instantly.

SME Micro Loan Eligibility Requirements:

  • Company registered and operational in Singapore
  • Annual sales turnover  ≤ S$1m OR ≤ 10 employees
  • Minimum 30% shareholdings local or PR

How We Can Help

Faster Turnaround Time

Help your company secure financing fast! Reduce processing time by 3-5 working days.

faster business loan application turnaround time

Hassle Free Approach

Leave the application process to our specialists while you focus your resources on your core business.

hassle free approach for sme loan application

Higher Approval Rate

Improve your approval chances. We are very familiar with the credit criteria of most banks with a solid track record of > 60% approval rate.

higher business loan approval rate

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!

risk free process for business loan

Join hundreds of SMEs just like yours who entrusted us to help grow their business.

client testimonial 1

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 Pte Ltd
(F&B restaurant)

client testimonial 2

Trusted advisor 

“Linkflow Capital has assisted our company with trade financing, enabling a 300% revenue growth in 2 years. They are our trusted adviser and served us with efficiency and honesty over the years.”

Mr S.S. Lee
Powerzone Technologies Pte Ltd
(Engineering & trading firm)

business loan singapore testimonial 2

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)

Linkflow Capital is a member of



What is the maximum SME Micro Loan financing amount? 
The maximum loan quantum is up to S$100,000

What is the SME Micro Loan interest rate?
Interest rate is determined by the respective participating financial institutions in the SME Micro Loan program. It could range between 6.75% to 8.5% p.a. effective rate, dependent on their risk and credit assessment. 

What is the eligibility criteria?
Business registered and operating in Singapore, with at least 30% local shareholdings. Annual revenue not more than S$1 million or have up to 10 employees.

What is the SME Micro Loan program? 
It is an unsecured working capital loan to help you manage your business’s daily operations and cash flow. This program is administered by Enterprise Singapore, a government statutory board. Application of loan is via the various participating financial institutions. 

What is the maximum repayment period for the SME Micro Loan?
The maximum repayment tenure for the Micro Loan is up to 4 years. Some of the participating financial institutions might allow early redemption of loan with no penalty, subject to the respective lender’s terms and conditions. 

Free Loan Assessment

Enter your contact information below and see all financing options instantly!

about linkflow capital

About Linkflow Capital

Linkflow Capital Pte Ltd is a consultancy firm that assists SMEs to secure business financing from banks and financial institutions. We specialize in SME financing and through our expertise and network, we help clients secure business loans and credit facilities at favorable terms efficiently and hassle free.


We are very familiar with the documentations and information banks would request as well as various banks’ credit criteria


We have access to more than 20 banks and financial institutions with relationships cultivated over the years.