SME Micro Loan

Free Loan Assessment in 1 minute!

  •   Lowest Rates
  •   Fast
  •   Hassle-Free

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 theTemporary 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

Up to $100K financing

Up to 4 years repayment period

Government risk sharing with banks on loan default

Mirco Loan Participating Financial Institutions



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
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Easy SME Loan Comparison Process

See All SME Micro Loan Options In 3 Simple Steps!

  • Step 1

    Leave your contact details at the bottom of this page.

  • Step 2

    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.

  • Step 3

    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

SME Financing Institutions


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


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How We Can Help

Faster Turnaround Time

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

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.

Hassle Free Approach

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

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 Pte Ltd (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 & 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)

Linkflow Capital is a member of



The maximum loan quantum is up to S$100,000.

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.

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.

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.

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!

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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. We specialize in SME finance and through our expertise and 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.