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Temporary Bridging Loan Programme

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Government Aided Financing Scheme For SMEs

The Temporary Bridging Loan Programme (TBLP) is a government assisted financing scheme introduced in the Solidarity Budget 2020. This scheme provides access to working capital for eligible SMEs.

Till 31 March 2021 From 1 April to 30 September 2021
Maximum Loan Quantum $5 Million $3 Million
Government Risk Sharing 90% risk sharing 70% risk sharing

There are 17 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 options and maximize approval chances.

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

Temporary Bridging Loan Features

300k sme working capital loan

Maximum loan up to $5M
Across 16 participating financial institutions, with interest rate capped at 5% p.a.

sme working capital loan 5 years

Maximum 5 years repayment
Option for principal repayment deferment up to 1 year, subject to assessment   

sme working capital loan risk sharing

Government risk sharing 90%
Until 30 March 2021, borrowers are still responsible to repay 100% of loan amount

Participating Financial Institutions

CIMB Bank Ethoz Capital
Hong Leong Finance IFS Capital
Maybank DBS
Standard Chartered Bank Sing Investments & Finance
Orix Leasing Resona Merchant Bank
Goldbell Financial Services Singapura Finance

SMEs can apply for the Temporary Bridging Loan with the participating financial institutions, subject to respective bank’s credit assessment & approval.

Temporary Bridging Loan Interest Rate

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

Interest rate is capped at 5% p.a. effective rate. Eligible SMEs can enquire with the various participating financials institutions on their respective TBPL interest rate. Interest rate could start from as low as 2.5% effective rate per annum (1.3% p.a. simple rate).

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Temporary Bridging Loan Eligibility:

  • Local business entity registered and physically present in Singapore
  • Minimum 30% shareholdings held directly/indirectly by Singaporean(s) or PR
  • The TBLP started in March 2020 and is extended till 30 September 2021
  • Government risk sharing: Borrowers are still liable for 100% of loan outstanding in event of default. Banks will proceed with their standard commercial recovery process before claiming against Enterprise Singapore for any unrecovered amount proportionate to risk share.

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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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.


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.