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Find similar grantsEnterprise Financing Scheme (EFS) is sponsored by Enterprise Singapore (with Participating Financial Institutions). The Enterprise Financing Scheme (EFS) provides comprehensive financing support to Singapore enterprises across all stages of growth.
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Enterprise Financing Scheme (EFS) - SME Working Capital Loan | Grants. sg Reference: Enterprise Singapore Updated 2/5/2026 Enterprise Financing Scheme (EFS) - SME Working Capital Loan Up to S$500,000 per borrower (S$5 million borrower group limit) The EFS-WCL helps SMEs finance their operational cashflow needs for daily business operations.
It is one of the most accessible EFS loan types, designed to support the day-to-day financial requirements of small and medium enterprises, including payroll, inventory purchases, and other recurring operational expenses.
EnterpriseSG shares 50% (or 70% for young enterprises) of the loan default risk with Participating Financial Institutions, encouraging them to extend financing to enterprises that may otherwise face difficulties obtaining commercial loans. Apply via Official Site Official grant page Ask Grants.
sg AI 01 Business entity registered and operating in Singapore 02 At least 30% local equity held by Singaporeans/PRs 03 SME: Group revenue up to S$100 million OR maximum employment size of 200 employees 04 Group Annual Sales Turnover not exceeding S$500 million 05 Overall exposure limit S$50 million per borrower group 1. Approach any Participating Financial Institution for EFS-WCL 2. FI conducts credit assessment 3.
Submit application via ESIMS portal (https://esgincentives. enterprisesg. gov.sg/) 4.
EnterpriseSG processes the risk-share component 5. Loan disbursed by FI upon approval EFS is a loan programme, not a grant - borrowers repay 100% of the loan to the FI per agreed schedule. There is no "claims" process for borrowers.
In event of default, after FI exhausts standard recovery procedures, FI may claim against EnterpriseSG for unrecovered amount in proportion to risk-share. Frequently Asked Questions What is the maximum loan amount? Up to S$500,000 per borrower, with a borrower group limit of S$5 million for EFS-WCL.
What is the repayment period? Maximum repayment period is 5 years. What is the risk-share?
50% (70% for young enterprises formed within past 5 years). What costs can be financed? Daily operational expenses including payroll, inventory purchases, rent, utilities, and other recurring operational expenses.
Do I apply to EnterpriseSG directly? No, you must approach a Participating Financial Institution first. The FI conducts credit assessment and submits via ESIMS.
According to the current listing, eligibility includes: Business entity registered and operating in Singapore; at least 30% local shareholding; Group Annual Sales Turnover not exceeding S$500 million. Confirm the full requirements in the official notice before applying.
The current listing shows varies by loan type. For EFS-SME Working Capital Loan, maximum quantum raised permanently to S$500,000 from April 1, 2024. For EFS-Trade Loan, enhanced maximum quantum of S$10 million extended until March 31, 2025. Verify award ceilings, matching requirements, and allowable costs in the official notice.
Enterprise Financing Scheme (EFS) is funded by Enterprise Singapore (with Participating Financial Institutions). Verify program details on the funder's official page before applying.
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