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 now to 31 March 2022 | |
|---|---|---|
| Maximum Loan Quantum | $5 Million | $3 Million |
| Government Risk Sharing | 90% risk sharing | 70% risk sharing |
There are 19 participating financial institutions. Interest rate and credit criteria are different for all banks.
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Temporary Bridging Loan Features
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
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% p.a. effective rate. Eligible SMEs can enquire with the various participating financials institutions on their respective TBPL interest rate.
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"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)
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"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)
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“Linkflow Capital has helped us identify facilities suitable for our company’s growth. The consultant is sincere, efficient and provided prompt follow up service.”
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WaWe Design
(Reno & ID firm)
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Mr Wong
Hola Pte Ltd
(Retail and e-commerce)
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"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)
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“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
The maximum financing loan quantum under the TBPL is up to S$3 million. This amount can be combined across multiple participating financial institutions if your business meets the credit criteria of the various lenders.
TBPL interest rate is subjected to respective participating financial institutions credit and risk assessment, capped at 5% p.a. effective rate.
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.
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 $3M and $300K for WCL.
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.