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SME Working Capital Loan

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Published by Enterprise Singapore
on 11 May 2016

Companies can get access to unsecured working capital financing of up to S$300,000 to support daily operations.

About the Scheme

Get greater access to unsecured working capital loans of up to S$300,000 through the SME Working Capital Loan. Launched in June 2016, the loan acts as an additional financing option by helping eligible companies cope with larger working capital and cash flow needs. The loan programme will be available till 31 May 2019.

Enterprise Singapore partners Participating Financial Institutions and co-shares 50% of loan default risks in the event of company insolvency.

 Scope

  • Working Capital (e.g. daily operations)

 Loan Quantum

  • Up to S$300,000

 Repayment Period

  • Up to 5 years

 Interest Rate

  • Subject to Participating Financial Institutions’ assessments of risks involved


The SME Working Capital Loan will become part of the Enterprise Financing Scheme when it is launched in October 2019.

Eligibility Criteria

Companies should meet the following criteria:

  • Registered and operating in Singapore
  • At least 30% local shareholding
  • Group annual sales of up to S$100 million or group employment size of not more than 200 employees1

1Annual sales turnover and employment size will be computed on a group basis (i.e. all levels for corporate shareholders holding >50% of total shareholding of the applicant company and any subsequent corporate parents, and subsidiaries all levels down).

For More Info

SME Working Capital Loan

Enterprise Singapore
230 Victoria Street #10-00
Bugis Junction Office Tower
Singapore 188024

1 Fusionopolis Walk
#01-02 South Tower, Solaris,
Singapore 138628

Email : enquiry@enterprisesg.gov.sg
Hotline : (65) 6898 1800

Last Modified Date: 03 Sep 2019