Category: Funding Type

Loan

Concessionary loans, loan guarantees, or credit facilities with favorable terms to support business financing needs.

7 grants available

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Enterprise Financing Scheme (EFS) - Mergers & Acquisitions Loan

The EFS-M&A finances the acquisition of local or overseas target enterprises with the intent of internationalisation. It provides substantial financing support to help Singapore enterprises grow through strategic acquisitions, both domestically and internationally. This scheme supports enterprises looking to expand their business footprint, acquire new capabilities, or enter new markets through mergers and acquisitions.

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Enterprise Singapore

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Enterprise Financing Scheme (EFS) - Project Loan

The EFS-PL finances the fulfilment of secured overseas projects, with an enhanced component for domestic projects available to construction-related enterprises. It supports a broad range of project-related financing needs. Supportable loan types include working capital loan, factory/building/land (purchase/renovation/construction), equipment/machineries/vessels/other fixed assets/machinery hire purchase, and guarantees. Must be for secured sales orders and/or projects, not solely for general working capital.

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Enterprise Singapore

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Enterprise Financing Scheme (EFS) - SME Fixed Assets Loan

The EFS-FA is designed for SMEs to finance investments in domestic and overseas fixed assets. It supports long-term capital investments that help businesses upgrade their operations and expand their capacity through equipment, machinery, and property acquisitions. Supported asset types include purchase of equipment and machines for automation and upgrading (new or resale), and purchase or construction of government- and commercial-built factories and business premises (new or resale).

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Enterprise Singapore

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Enterprise Financing Scheme (EFS) - SME Working Capital Loan

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.

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Enterprise Singapore

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Enterprise Financing Scheme (EFS) - Trade Loan

The EFS-TL finances trade needs for domestic and overseas transactions. It is designed to help enterprises manage the financing requirements of their trading activities, from inventory management to receivables financing. The scheme supports a broad range of trade financing instruments. Supported trade financing types include inventory/stock financing, structured pre-delivery working capital, factoring (with recourse), bill of invoice, AR discounting, overseas working capital loan, and Bank Guarantee (capped at 2 years' tenure).

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Enterprise Singapore

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Enterprise Financing Scheme (EFS) - Venture Debt

The EFS-VD aims to finance the growth of innovative enterprises using Venture Debt and Warrants. It supports high-growth enterprises that do not have significant assets to be used as collateral under traditional bank lending. Under the enhanced programme, the venture debt facility can be backed by warrants or redeemable convertible preference shares. Use cases include growing and expanding existing capacity, diversifying into other product lines, augmenting working capital needs, undertaking new projects, and undergoing mergers and acquisitions.

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Enterprise Singapore

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Private Credit Growth Fund (PCGF)

The Private Credit Growth Fund (PCGF) is a S$1 billion fund established to provide non-dilutive, customised financing for high-growth local enterprises. It addresses a significant gap in Asia's private credit market, where few funds focus on Singapore-based enterprises. The fund provides customised financing solutions that may not be readily available in Asia through traditional financing today. It supports growth activities such as international mergers & acquisitions (M&As) and large capital overseas expenditures, along with specialist advisory services in areas like M&A strategy, financial management, and supply chain improvement. The fund is complemented by a separate S$200 million Long Term Investment Fund (LTIF), which targets enterprises with longer or more complex growth trajectories.

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