Our Business Loan Products
These financing solutions will allow you to capitalise on opportunities to grow and expand your business. Insurance will give you peace of mind that your business and employees are well covered.
SME working capital loan
As at 1st September 2026, the Enterprise Financing Scheme - SME Working Capital Loan is enhanced at 500k with 70% risk share, supporting businesses with working capital needs, business expansion and future growth opportunities.
Loan amount: up to 500k | Tenure: up to 5 years
Business term Loan
For companies that have fully utilized the S$500,000 EFS-WCL limit, we work with various banks to secure additional term loans. This is suitable for further business expansion or working capital.
Loan amount: Up to S$2 million | Tenure: Up to 5 years
Trade Finance
Provides revolving credit to support inventory purchases or supplier payments. Includes Letters of Credit and Trust Receipts with terms of 90–120 days. From 1 April 2025, the EFS-Trade loan cap of S$10 million will be permanent.
Loan amount: Up to S$10 million | Tenure: Revolving
Receivables/ Invoice Financing
Advance of 80–90% of invoice value. Helps companies manage long credit terms and improve cash flow by unlocking receivables.
Advance rate: 80%–90% | Tenure: Up to invoice due date
Property Financing
Mortgage loan to finance purchase of commercial/industrial property. Existing property may also be pledged to banks for financing. Offers low interest due to secured nature.
Loan amount: Based on property value | Tenure: Up to 30 years
Caveat Loan
Short-term financing secured against an owned property, placed behind an existing mortgage. Suitable for urgent funding needs without refinancing.
Loan amount: Based on equity | Tenure: Short-term
Private Business Loan
For businesses over-leveraged with banks, we arrange funding via our network of private investors. Flexible structure tailored to urgent capital needs.
Loan amount: Flexible | Tenure: Short to mid-term
Overdraft line
Pre-approved line of credit to manage cash flow shortfalls. Allows businesses to overdraw bank accounts up to a set limit, with interest on amount used.
Limit: Up to S$1 million | Tenure: Revolving