Temporary Bridging
Loan Programme

Q: What is the maximum financing amount for the Temporary Bridging Loan?

The maximum financing loan quantum is up to $1M.

Q: What is the Temporary Bridging Loan interest rate?

Interest rate is subjected to respective participating financial institutions credit and risk assessment, and age of the business. It could range between 4.2% to 4.6% p.a. simple rate.

Q: 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’ credit assessment and criteria.

Q: What is the maximum repayment period?

The maximum repayment tenure is up to 5 years . There is typically no early redemption penalty. Borrowers have the option to redeem loan early to save on interest costs.

Q: What is the difference between Temporary Bridging Loan Programmed (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 5.5% p.a. while there is no interest cap for the WCL. Maximum financing for TBPL is $1M and $500K for WCL (till March 2023).

Q: Is there any bank that do not require personal guarantee since the Government is providing 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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Government Financing Scheme For SMEs

The Temporary Bridging Loan Programme (TBL) is a government assisted financing scheme introduced in the Solidarity Budget 2020.

SMEs can access up to maximum of $1M under the Temporary Bridging Loan.

There are 19 financial institutions participating in this scheme. Credit criteria & interest rate vary across the banks. We provide you with a direct comparison on all banks' rates and terms.

It is too time consuming for you to search and review all banks SME financing products.

Use our free loan assessment tool & compare all your best Temporary Bridging Loan options instantly!

Temporary Bridging Loan Features

Maximum loan up to $1M

SMEs can access up to a maximum loan quantum of up to $1M.

Maximum 5 years repayment

The maximum repayment period for the TBL is up to 5 years.

Government risk sharing 70%

Government risk sharing of up to 70% with participating financial institutions.

SME Financing Institutions

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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

How We Can Help

Faster Turnaround Time

We help your company secure best SME Working Capital Loan fast due to our familiarity with the process. 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 > 80% approval rate.

Hassle Free Approach

Leave the application process to our business loan specialists while you focus your time and 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
(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)

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FAQs

What is the maximum financing amount for the Temporary Bridging Loan?

What is the Temporary Bridging Loan interest rate?

What is the requirement to qualify for the Temporary Bridging Loan?

What is the maximum repayment period?

What is the difference between Temporary Bridging Loan Programmed (TBPL) and SME Working Capital Loan (WCL)?

Is there any bank that do not require personal guarantee since the Government is providing risk sharing?

About Linkflow Capital

Linkflow Capital Pte Ltd is a Singapore consultancy firm incorporated since 2012. We assist 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.

Temporary Bridging Loan Programme