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Temporary Bridging Loan Programme

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Government Aided Financing Scheme For SMEs

The Temporary Bridging Loan Programme is a government assisted financing scheme introduced in Budget 2020. This financing scheme is now eligible to all sectors (previously only applicable to tourism industry) after the Solidarity Budget enhancements. 

The Temporary Bridging Loan provides working capital financing with up to $5M to help your business. Enterprise Singapore partners with participating financial institutions with up to 90% risk sharing.

There are 14 financial institutions participating in this programme. Credit criteria & interest rate are different for all banks. Don’t have your applications rejected. Compare across all banks for more options & maximize approval chances.

We can provide your company with a direct comparison on all banks Temporary Bridging Loan rates and eligibility terms. Get a free loan assessment & compare all banks financing options now.

Temporary Bridging Loan Features

300k sme working capital loan

Up to $5M financing

sme working capital loan 5 years

Up to 5 years repayment period 

sme working capital loan risk sharing

Government risk sharing with banks on loan default

Participating Financial Institutions

DBS Ethoz Capital
Hong Leong FinanceIFS Capital
MaybankOrix Leasing
OCBCRHB
Standard CharteredSing Investments & Finance
HSBCUOB

* These are some of the participating financial institutions in the Temporary Bridging Loan Programme.

Temporary Bridging Loan Interest Rate

The interest rate for the Temporary Bridging Loan Programme (TBPL) is different for each participating financial institutions and is dependent on their risk assessment of your business.

Interest rate is capped at 5% p.a. effective rate. Eligible companies can enquire with the various participating financials institutions on their respective TBPL interest rates.

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SME Loan Comparison Made Easy

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STEP 1

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STEP 2

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banks & rates you might be eligible for.

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STEP 3

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business instantly!

Temporary Bridging Loan Eligibility:

  • Local business entity operating and registered in Singapore
  • Minimum 30% shareholdings local or PR

How We Can Help

Faster Turnaround Time

Help your company secure SME loan 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 business 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 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

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 SME Working Capital Loan 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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FAQs

What is the maximum financing amount for the Temporary Bridging Loan Programme (TBPL)? 
The maximum financing loan quantum under the TBPL is up to S$5 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 Temporary Bridging Loan (TBPL) interest rate?
TBPL interest rate is subjected to respective participating financial institutions credit and risk assessment, capped at 5% p.a. effective rate. 

What is the requirement to qualify for the Temporary Bridging Loan?
Business must be registered and operating in Singapore with at least 30% local shareholdings. Other requirements are subjected to participating financial institutions’ internal credit assessment and criteria.

What is the maximum repayment period? 
The maximum repayment tenure is up to 5 years. Borrowers can also apply for 1 year deferral of principal repayment, subject to respective financial institutions assessment & approval. 

What is the difference between Temporary Bridging Loan Programme (TBPL) and SME Working Capital Loan (WCL)?
The TBPL was introduced to help SMEs cope with the impact of Covid-19 on the economy. Interest is capped at 5% p.a. while there is no interest cap for the WCL. Maximum financing for TBPL is $5M and $1M for WCL.

Is there any bank that do not require personal guarantee since the Government is providing 90% risk sharing?
No, all banks and financial institutions will require personal guarantee (PG) up to the full financing amount offered. This is a standard requirement as PG signals a commitment by guarantor on their commitment to fulfill loan obligations.

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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.

Expertise

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

Network

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