Enterprise singapore loans
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What we offer
How It Works
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What we offer

Whether you are planning to develop new capabilities, create new products or expand your business footprint overseas, having access to the right financing is crucial to realise your growth ambitions.

The Enterprise Financing Scheme (EFS) is a comprehensive tool to enable Singapore enterprises to access financing more readily across all stages of growth.

It covers seven areas to address enterprises’ financing needs: green loans, working capital loans, fixed asset loans, venture debt loans, trade loans, project loans, as well as Merger & Acquisition loans.

EnterpriseSG will share the loan default risk in the event of enterprise insolvency with the Participating Financial Institutions.

Note that a higher risk share will be considered for the following:

  • Young enterprises formed within the past 5 years with at least 1 employee, and more than 50% equity owned by individuals
  • Markets with an S&P rating of BB+ and below, including non-rated countries

Type of Loans

1. SME Working Capital Loan

Finance daily operational cashflow needs

2. SME Fixed Assets Loan

Finance daily operational cashflow needs

3. Trade Finance

Finance trade needs

  • Temporary Bridging Loans
  • Enhanced Trade
  • EFS (Domestic) Project


  • Business entity registered and operating in Singapore
  • Company has at least 30% local shareholding held directly or indirectly by Singaporean(s) and/or Singapore PR(s), determined by the ultimate individual ownership.
  • Company has a Group Annual Sales Turnover not exceeding S$500 million.
  • For “SME Working Capital” and “SME Fixed Assets”, an SME is defined as having a group revenue of up to S$100 million or maximum employment size of 200 employees.
Apply with IFS Capital