SME Working Capital Loan
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Government Aided Financing Scheme For SMEs
The SME Working Capital Loan (WCL) is a government assisted financing loan under the Enterprise Financing Scheme (EFS-WCL). The WCL is meant to help SMEs finance operational cashflow needs.
SMEs can access up to $300K maximum loan quantum under this scheme. Enterprise Singapore partners with participating financial institutions with between 50%-70% risk sharing.
There are 17 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.
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SME Working Capital Loan Features
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SME Working Capital Loan Eligibility:
Local business registered and operating physically in Singapore
Minimum 30% ultimate ownership shareholdings held by Singaporeans or Singapore PR(s)
Group annual sales of ≤ S$100m or group employment size ≤ 200
Government risk sharing 50% to 70% with participating financial institutions. Borrowers are still liable for 100% of loan outstanding in event of default. Banks will proceed first with their standard commercial recovery process.
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
"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
(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.”
(Reno & ID firm)
"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."
Hola Pte Ltd (Retail and e-commerce)
"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."
Rave International Group
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.”
Appali Engineering Pte Ltd
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The maximum financing loan quantum under the SME Working Capital Loan is up to S$300K per borrower.
Interest rate is determined by the respective participating financial institutions in the SME Working Capital Loan scheme. It could range between 6% to 7.5% p.a. effective rate, dependent on their risk and credit assessment.
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.
The maximum repayment tenure is up to 5 years. Most participating financial institutions offer no early repayment penalty for early redemption of loan. This is subject to respective financial institutions terms and conditions.
Yes, SMEs can apply for the SME Working Capital Loan with any of the various participating financing institutions concurrently.
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