Temporary Bridging
Loan Programme

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ESG Temporary Bridging Loan (TBL)

The Temporary Bridging Loan Programme (TBLP) is a government assisted financing scheme introduced in Budget 2020. The scheme will end in September 2022 and the SME Working Capital Loan will supersede.


Till 31 March 2022 1 April to 30 Sep 2022
Maximum Loan Quantum $3 Million $1 Million
Interest Rate Capped at 5% p.a. Capped at 5.5% p.a.


There are 19 participating financial institutions. Interest rate and credit criteria are different for all banks.

Don’t have your applications rejected. Identify potential issues that might lead to a rejection.

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Temporary Bridging Loan Features

Maximum loan up to $1M

Across 19 participating financial institutions. Interest rate capped at 5.5% p.a.

Maximum 5 years repayment

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

Government risk sharing 70%

Government risk sharing of 70% with participating financial institutions.

Participating Financial Institutions

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

Temporary Bridging Loan Interest Rate

TBL Interest Rate

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

Interest rate is capped at 5.5% p.a. effective rate from 1 April to 30 September 2022. Eligible SMEs can enquire with participating financials institutions on their respective TBPL interest rate.

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Temporary Bridging Loan Eligibility:

Local business entity registered and physically present in Singapore

The TBLP started in March 2020, scheduled to end in March 2022. It has been further extended for another 6 months, from 1 April 2022 to 30 September 2022

Minimum 30% shareholdings held directly/indirectly by Singaporean(s) or PR

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

We help your company secure SME loan financing 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 save time and focus your 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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The TBP was introduced to help SMEs cope with the impact of Covid-19. Interest is capped at 5.5% p.a. and there is no interest cap for the WCL. Maximum financing for TBP is $1M and $500K for WCL (from October 2022 to March 2023). The WCL is part of the Enterprise Financing Scheme.

TBPL interest rate is subjected to respective participating financial institutions credit and risk assessment, capped at 5.5% p.a. effective rate. 

The maximum financing loan quantum under the TBPL 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.

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.

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.

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.

About Linkflow Capital

Linkflow Capital Pte Ltd is a Singapore consultancy firm that assists 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.