SME Loans

Business loans Singapore

We offer Business Loan which designed to boost your company’s working capital.

We offer 3 types of business loans

  •  1. Working Capital Loan
  • 2. Microloan
  • 3. Business Term Loan

To support viable SMEs that may have cash flow concerns or wish to continue growing their business, the Government will introduce a new SME Working Capital Loan scheme, for loans of up to $300,000 per SME. Under this scheme, the Government will co-share 50% of the default risk of these loans with participating financial institutions, to encourage lending to SMEs. This will help SME pay a lower amount of interest.

The SME Working Capital Loan will be available for three years, starting from 2016.

Suitable for companies that are at least 2 years old, enjoy cashflow certainty with a government-assisted working capital loan of up to S$300,000*.

  • Working capital of up to $300,000
  • Tenure up to 5 years
  • Interest rate from 3.5 – 4.5% per annum
  • No Collateral
  • Fast and immediate attention to your company details

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We will give you a complete account of the system, and expound the actual teachings of the great sed explore of the truth, the labour master-builder of human happiness. No one rejects, dislikes, or seds utsavoids pleasure itself, beces thats are extremely painfull nor again is there anyone who loves or pursues or desires to obtain pain of itself.

The LEFS Micro Loan Scheme is designed to help small companies gain access to funding and can be used for purchase of equipment, or meeting working capital requirements. The maximum tenure for this loan is four years.

Local SMEs with 10 or less employees can apply for micro loans of up to S$100,000.

ScopeLoan QuantumRepayment PeriodInterest Rate
Daily operations

Automating and upgrading factory and equipment

Up to S$100,000Up to 4 yearsSubject to Participating Financial Institutions’


Borrow as much as SGD 500,000 for up to five years.

Enhance your cash flow and improve your day-to-day business operations with a Business Term Loan.

We look into the following and help you to explain to the banks on the following information of your company:

Character and business experience

Credit capacity

Financial statement of personal finances to assess your ability to repay

Collateral, which should be larger than the amount you’re borrowing,

Capital, and

Accuracy of your revenue and expense projections.