Enterprise Financing Scheme

About this financing scheme

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


  • 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.

Types of loans

  1. Green Loan
    Finance green growth projects

  2. SME Working Capital Loan
    Finance daily operational cashflow needs

  3. SME Fixed Assets Loan
    Finance the investment of domestic and overseas fixed assets

  4. Venture Debt Loan
    Finance the growth of innovative enterprises using Venture Debt and warrants or redeemable convertible preference shares

  5. Trade Loan
    Finance trade needs

  6. Project Loan
    Finance the fulfilment of secured overseas projects

  7. Mergers & Acquisitions Loan
    Finance the acquisition of target enterprises with the intent of internationalisation

  8. More information on the schemes can be found in the individual pages.

Financial capability courses

EnterpriseSG curates and develops financing courses, masterclasses and workshops to help local enterprises build and enhance their capabilities in basic and advanced financing topics.

Developed with each enterprise’s needs in mind, the curated interactive courses involve games, sharing and networking sessions by financing experts and practitioners with case studies, panel discussions and fireside chats.

Call for Partners
We are keen to work with industry partners on financing capability courses, masterclasses and workshops. Interested partners can reach out to us here to explore collaboration opportunities.

Financing guides and playbooks

EnterpriseSG has developed various financing playbooks and guides to help enterprises enhance their financing knowledge.

Enterprise Development Grant (EDG)

Enterprise Development Grant (EDG)

Tap on EDG for projects that help you upgrade, innovate, grow and transform your business.

Productivity Solutions Grant (PSG)

Productivity Solutions Grant (PSG)

Improve productivity through IT solutions and equipment.

Enterprise Sustainability Programme

Enterprise Sustainability Programme

Integrate sustainability into your business to capture new opportunities in the green economy.