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SME Working Capital Loan

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Government Aided Financing Scheme For SMEs

The SME Working Capital Loan is a government assisted financing loan under the Enterprise Financing Scheme (EFS-WCL). The enhanced scheme in the Solidarity Budget 2020 helps SMEs access financing till March 2021.

Under the new Enhanced SME Working Capital Loan, access up to $1 million to finance cash flow needs. Enterprise Singapore partners with participating financial institutions with up to 90% risk sharing.

There are 15 financial institutions participating in this scheme. Credit criteria & interest rate vary across the banks. We can provide you with a direct comparison on all banks SME Working Capital Loan rates and eligibility terms.

Secure the funding you require under the SME Working Capital Loan to expand and scale your business. Get a free loan assessment & compare all banks financing options now, fast and hassle free.

SME Working Capital Loan Features

$1M SME Working Capital Loan

Up to $1M financing
(raised from $300K to $1M till 31 March 2021)

EWCL 5years repayment

Up to 5 years repayment
(option to defer principal up to 1 year subject to assessment) 

WCL 90% government risk sharing

Government risk sharing 90%
(raised from 50% risk sharing with banks)

Participating Financial Institutions

DB Ethoz Capital
CIMB IFS Capital
Maybank Orix Leasing
Standard Chartered Bank Hong Leong Finance
Sing Investments & Finance Singapura Finance

These are some of the participating financial institutions in the Enterprise Singapore SME Working Capital Loan.

Enhanced SME Working Capital Loan Interest Rate

The interest rate for the SME Working Capital Loan differs from the various participating banks and financial institutions and is dependent on their risk assessment.

Eligible companies can enquire with the various participating financials institutions on their respective SME Working Capital Loan interest rates.

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Enhanced SME Working Capital Loan Eligibility:

  • Local business registered and operating physically in Singapore
  • Group annual sales of ≤ S$100m or group employment size ≤ 200
  • Minimum 30% ultimate ownership shareholdings held by Singaporeans or Singapore PR(s)
  • Government risk sharing 90% with participating financial institutions. SME borrowers are still liable for 100% of  loan outstanding in event of default. Banks will proceed first with their standard commercial recovery process.

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 SME loan 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 business loan 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

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

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

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What is the maximum financing amount for the enhanced SME Working Capital Loan? 
The maximum financing loan quantum under the enhanced SME Working Capital Loan is up to S$1 million. This amount can be combined across multiple participating financial institutions if your business meets the credit criteria of the various lenders. 

What is the SME Working Capital Loan interest rate?
Interest rate is determined by the respective participating financial institutions in the SME Working Capital Loan scheme. It could range between 3.75% to 7.5% p.a. effective rate, dependent on their risk and credit assessment. 

What is the requirement to qualify for the SME Working Capital Loan?
Business must be registered and operating in Singapore with at least 30% local shareholdings. Group annual revenue not more than $100 million or group employment size of not more than 200 employees.

What is the maximum repayment period? 
The maximum repayment tenure is up to 5 years. Most participating financial institutions might offer no early repayment penalty for borrowers whom wish to do an early redemption of the loan. This is subject to respective financial institutions terms and conditions. 

When will the SME Working Capital Loan scheme end? 
The SME Working Capital Loan is extended for another 2 years till 31 March 2021. This was announced in February 2019 Budget by the Finance Minister.

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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.