SME WORKING CAPITAL

Quick access to funds

In this fast-paced business landscape, every minute counts. Compared to long-term loans, the SME Working Capital Loan offers quicker access to funds, enabling you to take advantage of opportunities in sight.

Share the risk and enjoy peace of mind

With up to 50% of loan default risk co-underwritten by Enterprise Singapore, and up to 70% for young enterprises* or selected markets**, you can rest easy knowing that the risks are mitigated.

*Young enterprise refers to firms formed within the past 5 years with at least 1 employee, and more than 50% equity owned by individuals.
**Selected markets are defined as countries with Standard & Poor’s (S&P) ratings of below BBB- or are not rated.

Maximum Loan Quantum

S$500,000 / Borrower
S$5,000,000 / Borrower Group
Note: Overall loan exposure limit of S$50 million per borrower group across all facilities

Borrower Group consists of the following:

• Borrower
• Corporate shareholders holding more than 50% at all levels up
• Subsidiaries where the Applicant company holds more than 50% shareholdings and subsequent subsidiaries at all levels down
• Subsidiaries where the Applicant's Ultimate Parent Company holds more than 50% shareholdings and their subsidiaries at all levels down

Flexible Repayment Period

With up to 5-year tenures available for repayment, your business can structure repayments to prioritise your objectives and needs.