{"id":1372,"date":"2019-11-18T10:52:34","date_gmt":"2019-11-18T10:52:34","guid":{"rendered":"https:\/\/glutenfreepleasure.com\/__proxy_domain\/bizsquare.com.sg\/?p=1372"},"modified":"2025-05-18T19:23:26","modified_gmt":"2025-05-18T11:23:26","slug":"enterprise-financing-scheme-efs","status":"publish","type":"post","link":"https:\/\/glutenfreepleasure.com\/__proxy_domain\/bizsquare.com.sg\/enterprise-financing-scheme-efs\/","title":{"rendered":"Enterprise Financing Scheme (EFS)"},"content":{"rendered":"<p><img fetchpriority=\"high\" decoding=\"async\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/bizsquare.com.sg\/wp-content\/uploads\/2019\/11\/EFS.jpg\" sizes=\"(max-width: 536px) 100vw, 536px\" srcset=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/bizsquare.com.sg\/wp-content\/uploads\/2019\/11\/EFS.jpg 536w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/bizsquare.com.sg\/wp-content\/uploads\/2019\/11\/EFS-300x166.jpg 300w\" alt=\"business property sme working capital loan, mortgage broker, invoice financing\" width=\"536\" height=\"297\" \/><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/bizsquare.com.sg\/enterprise-financing-scheme-efs\/#2023_Enterprise_Financing_Scheme_EFS\" >[2023] Enterprise Financing Scheme (EFS)<\/a><ul class='ez-toc-list-level-2' ><li class='ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/bizsquare.com.sg\/enterprise-financing-scheme-efs\/#What_is_Enterprise_Financing_Scheme_EFS\" >What is Enterprise Financing Scheme (EFS)?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h1><span class=\"ez-toc-section\" id=\"2023_Enterprise_Financing_Scheme_EFS\"><\/span>[2023] Enterprise Financing Scheme (EFS)<span class=\"ez-toc-section-end\"><\/span><\/h1>\n<p>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 by getting a working capital loan.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_is_Enterprise_Financing_Scheme_EFS\"><\/span>What is Enterprise Financing Scheme (EFS)?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The <a href=\"https:\/\/www.enterprisesg.gov.sg\/financial-assistance\/loans-and-insurance\/loans-and-insurance\/enterprise-financing-scheme\/sme-working-capital\/overview\" target=\"_blank\" rel=\"noopener\">Enterprise Financing Scheme (EFS)<\/a> streamlines eight financing schemes into one single umbrella. With common eligibility criteria and a single application platform, the EFS aims to help participating financial institutions (PFIs) and enterprises easily navigate between the various financing schemes. Thus, the EFS will provide comprehensive support for enterprises\u2019 financing requirements across different stages of growth, for both domestic and overseas activities.<\/p>\n<p>Importantly, with effect from 29 Oct 2019, Enterprise Singapore\u2019s existing financing schemes will be streamlined into one umbrella scheme known as the Enterprise Financing Scheme (EFS). EFS will enable Singapore enterprises to access financing more readily throughout their various stages of growth.<\/p>\n<p>With the introduction of the EFS, ESG will discontinue the eight existing financing schemes, namely the<\/p>\n<ol>\n<li>SME Equipment Loan,<\/li>\n<li>SME Factory Loan,<\/li>\n<li>SME Working Capital Loan,<\/li>\n<li>SME Micro Loan,<\/li>\n<li>SME Micro Loan for Young Companies,<\/li>\n<li>SME Venture Loan,<\/li>\n<li>Internationalisation Finance Scheme and<\/li>\n<li>Loan Insurance Scheme Plus<\/li>\n<\/ol>\n<p>These financing schemes were carried over from former SPRING and IE Singapore and will be relaunched as the EFS, managed by Enterprise Singapore.<\/p>\n<p>Enterprise Singapore will share the loan default risk in the event of enterprise insolvency with the Participating Financial Institutions. The EFS will cover the following six areas to address enterprises\u2019 financing needs:<\/p>\n<ol>\n<li><a href=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/www.sgsmeloans.com.sg\/sme-working-capital-loan\" target=\"_blank\" rel=\"noopener\">SME Working Capital<\/a>\u00a0\u2013 For day to day business operations<\/li>\n<li>SME Fixed Assets\u00a0\u2013 Buy business properties, commercial vehicles, equipment, vessels, land<\/li>\n<li>Venture Debt\u00a0\u2013 Debt financing with warrants for high growth enterprises in between equity financing rounds<\/li>\n<li>Trade\u00a0\u2013 To finance domestic and overseas markets<\/li>\n<li>Project Loan\u2013 To secure and execute overseas projects or orders<\/li>\n<li>Mergers &amp; Acquisitions\u00a0\u2013 To merge with or acquire other enterprises<\/li>\n<\/ol>\n<p>A higher risk share will be considered for the following:<\/p>\n<ol>\n<li>a) Young companies within 5 years from inception; and<\/li>\n<li>b) Selected markets with Standard &amp; Poor\u2019s (S&amp;P) ratings of below BBB- or are not rated.<\/li>\n<\/ol>\n<p>More information can be found on <a href=\"https:\/\/www.mti.gov.sg\/-\/media\/MTI\/COS-2019\/Factsheet_EFS.pdf\" target=\"_blank\" rel=\"noopener\">https:\/\/www.mti.gov.sg\/-\/media\/MTI\/COS-2019\/Factsheet_EFS.pdf<\/a><br \/>\n<img decoding=\"async\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/bizsquare.com.sg\/wp-content\/uploads\/2019\/11\/Financing-Needs.jpg\" alt=\"\" width=\"254\" height=\"130\" \/><\/p>\n<h3>1)SME WORKING CAPITAL LOAN\u00b9<\/h3>\n<p>Finance daily operational cashflow needs.<\/p>\n<ul>\n<li>\nMaximum Loan Quantum: S$300,000 \/ borrower<\/li>\n<\/ul>\n<p style=\"text-indent: 18.0pt;\">Note Overall loan exposure limit of S$50 million per borrower group across all areas.<\/p>\n<ul>\n<li>\nMaximum Loan Repayment Period: 5 Years<\/li>\n<li>\nRisk Share: Enterprise Singapore will co-share up to 50% of loan default risk with the Participating Financial Institution in the event of enterprise insolvency; Risk share can be increased up to 70% for young enterprises\u00b2.<\/li>\n<li>\nInterest Rate: Subject to Participating Financial Institutions\u2019 assessment of risks involved.<\/li>\n<\/ul>\n<p>SME Working Capital loan did not have any changes compared to the past, it still enables SMEs to borrow up to $300k of \u2018Risk-Sharing\u201d loan from all Participating Financial Institution. This means that SMEs can still enjoy a discounted rate of business loan for up to $300k.<br \/>\n<strong>For more information on Working Capital Loan:<\/strong><br \/>\n<strong>Please visit <a href=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/sgsmeloans.com.sg\/working-capital-loan\/\" target=\"_blank\" rel=\"noopener\">sgsmeloans.com.sg<\/a> to find out more!<\/strong><\/p>\n<h3>2)SME FIXED ASSETS LOAN\u00b9<\/h3>\n<p>Finance the investment of domestic and overseas fixed asset, including:<\/p>\n<ul>\n<li>Purchase of equipment and machines for automation and upgrading<\/li>\n<li>Construction or purchase of government and commercial built factories and business premises<\/li>\n<\/ul>\n<ul>\n<li>\nMaximum Loan Quantum: S$30 million \/ borrower group<\/li>\n<\/ul>\n<p style=\"text-indent: 18.0pt;\">Note Overall loan exposure limit of S$50 million per borrower group across all areas.<\/p>\n<ul>\n<li>\nMaximum Loan Repayment Period: 15 Years<\/li>\n<li>\nRisk Share: Enterprise Singapore will co-share up to 50% of loan default risk with the Participating Financial Institution in the event of enterprise insolvency; Risk share can be increased up to 70% for young enterprises\u00b2. Risk share will be 70% for fixed assets in markets with Standard &amp; Poor\u2019s (S&amp;P) ratings of below BBB- or are not rated.<\/li>\n<li>\nInterest Rate: Subject to Participating Financial Institutions\u2019 assessment of risks involved.<\/li>\n<\/ul>\n<h3>3)VENTURE DEBT LOAN<\/h3>\n<p>Finance the growth of innovative enterprises using Venture Debt and Warrants.<\/p>\n<p>This form of financing is typically suited for high growth start-ups that do not have significant assets to be used as collateral under traditional bank lending. The warrants, or rights to purchase equity, is to compensate for the higher risk of loan default.<\/p>\n<p>Enterprises may use the Loan to:<\/p>\n<ul>\n<li>Grow and expand existing capacity<\/li>\n<li>Diversify into other product lines<\/li>\n<li>Augment working capital needs<\/li>\n<li>Undertake new projects<\/li>\n<li>Undergo merger and acquisitions<\/li>\n<\/ul>\n<ul>\n<li>\nMaximum Loan Quantum: S$5 million \/ borrower group<\/li>\n<\/ul>\n<p style=\"text-indent: 18.0pt;\">Note Overall loan exposure limit of S$50 million per borrower group across all areas.<\/p>\n<ul>\n<li>\nMaximum Loan Repayment Period: 5 Years<\/li>\n<li>\nRisk Share: Enterprise Singapore will co-share up to 50% of loan default risk with the Participating Financial Institution in the event of enterprise insolvency; Risk share can be increased up to 70% for young enterprises\u00b2.<\/li>\n<li>\nInterest Rate: Subject to Participating Financial Institutions\u2019 assessment of risks involved.<\/li>\n<\/ul>\n<h3>4)TRADE LOAN<\/h3>\n<p><strong>Finance Import, Export and Guarantee needs, including:<\/strong><\/p>\n<ul>\n<li><strong>Inventory \/ stock financing<\/strong><\/li>\n<li><strong>Structured pre-delivery working capital (revolving working capital)<\/strong><\/li>\n<li><strong><a href=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/sgsmeloans.com.sg\/invoice-financing\/\" target=\"_blank\" rel=\"noopener\">Factoring (with recourse)<\/a> \/ bill of invoice \/ AR discounting<\/strong><\/li>\n<li><strong>Overseas working capital loan<\/strong><\/li>\n<\/ul>\n<p>The Trade Loan covers enterprises\u2019 domestic and overseas transactions. It also compliments the current Loan Insurance Scheme (LIS) through the Government insuring loans which are beyond the capacity of current LIS insurers, thereby enhancing enterprises\u2019 access to larger quantum of financing.<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/bizsquare.com.sg\/wp-content\/uploads\/2019\/11\/efs-trade-loan-chart.png\" sizes=\"(max-width: 800px) 100vw, 800px\" srcset=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/bizsquare.com.sg\/wp-content\/uploads\/2019\/11\/efs-trade-loan-chart.png 800w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/bizsquare.com.sg\/wp-content\/uploads\/2019\/11\/efs-trade-loan-chart-300x225.png 300w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/bizsquare.com.sg\/wp-content\/uploads\/2019\/11\/efs-trade-loan-chart-768x576.png 768w\" alt=\"\" width=\"800\" height=\"600\" \/><\/p>\n<ul>\n<li>\nMaximum Loan Quantum: S$5 million \/ borrower group<\/li>\n<\/ul>\n<p style=\"text-indent: 18.0pt;\">Note Overall loan exposure limit of S$50 million per borrower group across all areas.<\/p>\n<ul>\n<li>\nMaximum Loan Repayment Period: 1 Year<\/li>\n<li>\nRisk Share: Enterprise Singapore will co-share up to 50% of loan default risk with the Participating Financial Institution in the event of enterprise insolvency; Risk share can be increased up to 70% for young enterprises\u00b2.<\/li>\n<li>\nInterest Rate: Subject to Participating Financial Institutions\u2019 assessment of risks involved.<\/li>\n<\/ul>\n<p>For more relevant information on trade loan:<br \/>\nPlease read up on <a href=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/sgsmeloans.com.sg\/letter-of-credit\/\" target=\"_blank\" rel=\"noopener\">Letter Of Credit <\/a>\u00a0and also <a href=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/sgsmeloans.com.sg\/invoice-financing\/\" target=\"_blank\" rel=\"noopener\">Invoice Financing<\/a>.<\/p>\n<h3>5)PROJECT LOAN<\/h3>\n<p><strong>Finance the fulfilment of secured overseas projects. The supportable loan types include:<\/strong><\/p>\n<ul>\n<li>Working capital and trade loans<\/li>\n<li>Equipment\/ machineries\/ vessels\/ other fixed assets<\/li>\n<li>Guarantees<\/li>\n<\/ul>\n<ul>\n<li>\nMaximum Loan Quantum: S$50 million \/ borrower group<\/li>\n<\/ul>\n<p style=\"text-indent: 18.0pt;\">Note Overall loan exposure limit of S$50 million per borrower group across all areas.<\/p>\n<ul>\n<li>\nMaximum Loan Repayment Period: 15 Years<\/li>\n<li>\nRisk Share: Enterprise Singapore will co-share up to 50% of loan default risk with the Participating Financial Institution in the event of enterprise insolvency; Risk share can be increased up to 70% for young enterprises\u00b2. Risk share will be 70% for fixed assests in markets with Standard &amp; Poor\u2019s (S&amp;P) ratings of below BBB- or are not rated.<\/li>\n<li>\nInterest Rate: Subject to Participating Financial Institutions\u2019 assessment of risks involved.<\/li>\n<\/ul>\n<h3>6)MERGERS &amp; ACQUISTI<u>ONS LOAN<\/u><\/h3>\n<p>Finance the acquisition of local or overseas target enterprises, with the intent of internationalization.<\/p>\n<ul>\n<li>\nMaximum Loan Quantum: S$50 million \/ borrower group<\/li>\n<\/ul>\n<p style=\"text-indent: 18.0pt;\">Note Overall loan exposure limit of S$50 million per borrower group across all areas.<\/p>\n<ul>\n<li>\nMaximum Loan Repayment Period: 5 Years<\/li>\n<li>\nRisk Share: Enterprise Singapore will co-share up to 50% of loan default risk with the Participating Financial Institution in the event of enterprise insolvency; Risk share can be increased up to 70% for young enterprises\u00b2. Risk share will be 70% for fixed assests in markets with Standard &amp; Poor\u2019s (S&amp;P) ratings of below BBB- or are not rated.<\/li>\n<li>\nInterest Rate: Subject to Participating Financial Institutions\u2019 assessment of risks involved.<\/li>\n<\/ul>\n<p>\u00b9 For \u201cSME WORKING CAPTIAL\u201d and \u201cSME FIXED ASSETS,\u201d SMEs refer to companies with a group revenue of $100 million or maximum employment of 200 employees<\/p>\n<p>\u00b2 Young Enterprises refer to firms formed within the past 5 years with at least 1 employee, and more than 50% equity owned by individuals.<\/p>\n<h4><strong><u>HOW TO QUALIFY FOR EFS?<\/u><\/strong><\/h4>\n<ul>\n<li>\nBE A BUSINESS ENTITY THAT IS REGISTERED AND PHYSICALLY PRESENT IN SINGAPORE<\/li>\n<li>\nHAVE AT LEAST 30% LOCAL ENTITY HELD DIRECTLY OR INDIRECTLY BY SINGAPOREAN(S) AND\/OR SINGAPORE PR(S), DETERMINED BY THE ULTIMATE INDIVIDUAL OWNERSHIP<\/li>\n<li>\nHAVE A MAXIMUM BORROWER GROUP REVENUE CAP OF $500 MILLION FOR ALL COMPANIES<\/li>\n<\/ul>\n<p>Sources from:<br \/>\n<a href=\"https:\/\/www.enterprisesg.gov.sg\/financial-assistance\/loans-and-insurance\/loans-and-insurance\/enterprise-financing-scheme\/overview\" target=\"_blank\" rel=\"noopener\"><em>https:\/\/www.enterprisesg.gov.sg\/<\/em><\/a><\/p>\n<p><a href=\"https:\/\/www.enterprisesg.gov.sg\/financial-assistance\/loans-and-insurance\/loans-and-insurance\/enterprise-financing-scheme\/overview\" target=\"_blank\" rel=\"noopener\"><em>https:\/\/www.enterprisesg.gov.sg\/financial-assistance\/loans-and-insurance\/loans-and-insurance\/enterprise-financing-scheme\/overview<\/em><\/a><a href=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/bizsquare.com.sg\/\"><strong><em>BizSquare<\/em><\/strong><\/a><strong><em>\u00a0is a one-stop business consultancy firm providing Loan Consultancy Services, <a href=\"https:\/\/bizsquareaccounting.com\" target=\"_blank\" rel=\"noopener\">Accounting and Corporate Secretarial Services<\/a>, <a href=\"https:\/\/matthernsdigital.com\" target=\"_blank\" rel=\"noopener\">Branding and Marketing Consultancy<\/a>, Strategy Management and Start-up Mentorship.<\/em><\/strong><br \/>\n<a href=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/www.sgsmeloans.com.sg\/contact-us\" target=\"_blank\" rel=\"noopener\"><br \/>\n<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/bizsquare.com.sg\/wp-content\/uploads\/2020\/04\/button-300x100.png\" sizes=\"(max-width: 300px) 100vw, 300px\" srcset=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/bizsquare.com.sg\/wp-content\/uploads\/2020\/04\/button-300x100.png 300w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/bizsquare.com.sg\/wp-content\/uploads\/2020\/04\/button-1024x341.png 1024w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/bizsquare.com.sg\/wp-content\/uploads\/2020\/04\/button-768x256.png 768w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/bizsquare.com.sg\/wp-content\/uploads\/2020\/04\/button-1536x512.png 1536w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/bizsquare.com.sg\/wp-content\/uploads\/2020\/04\/button-2048x682.png 2048w\" alt=\"Consult Bizsquare,business property sme working capital loan, mortgage broker, invoice financing\" width=\"300\" height=\"100\" \/> <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>[2023] Enterprise Financing Scheme (EFS) 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 by getting a working capital loan. What is Enterprise Financing Scheme (EFS)? The Enterprise Financing Scheme (EFS) streamlines eight financing schemes into one single umbrella. With common eligibility criteria and a single application platform, the EFS aims to help participating financial institutions (PFIs) and enterprises easily navigate between the various financing schemes. Thus, the EFS will provide comprehensive support for enterprises\u2019 financing requirements across different stages of growth, for both domestic and overseas activities. Importantly, with effect from 29 Oct 2019, Enterprise Singapore\u2019s existing financing schemes will be streamlined into one umbrella scheme known as the Enterprise Financing Scheme (EFS). EFS will enable Singapore enterprises to access financing more readily throughout their various stages of growth. With the introduction of the EFS, ESG will discontinue the eight existing financing schemes, namely the SME Equipment Loan, SME Factory Loan, SME Working Capital Loan, SME Micro Loan, SME Micro Loan for Young Companies, SME Venture Loan, Internationalisation Finance Scheme and Loan Insurance Scheme Plus These financing schemes were carried over from former SPRING and IE Singapore and will be relaunched as the EFS, managed by Enterprise Singapore. Enterprise Singapore will share the loan default risk in the event of enterprise insolvency with the Participating Financial Institutions. The EFS will cover the following six areas to address enterprises\u2019 financing needs: SME Working Capital\u00a0\u2013 For day to day business operations SME Fixed Assets\u00a0\u2013 Buy business properties, commercial vehicles, equipment, vessels, land Venture Debt\u00a0\u2013 Debt financing with warrants for high growth enterprises in between equity financing rounds Trade\u00a0\u2013 To finance domestic and overseas markets Project Loan\u2013 To secure and execute overseas projects or orders Mergers &amp; Acquisitions\u00a0\u2013 To merge with or acquire other enterprises A higher risk share will be considered for the following: a) Young companies within 5 years from inception; and b) Selected markets with Standard &amp; Poor\u2019s (S&amp;P) ratings of below BBB- or are not rated. More information can be found on https:\/\/www.mti.gov.sg\/-\/media\/MTI\/COS-2019\/Factsheet_EFS.pdf 1)SME WORKING CAPITAL LOAN\u00b9 Finance daily operational cashflow needs. Maximum Loan Quantum: S$300,000 \/ borrower Note Overall loan exposure limit of S$50 million per borrower group across all areas. Maximum Loan Repayment Period: 5 Years Risk Share: Enterprise Singapore will co-share up to 50% of loan default risk with the Participating Financial Institution in the event of enterprise insolvency; Risk share can be increased up to 70% for young enterprises\u00b2. Interest Rate: Subject to Participating Financial Institutions\u2019 assessment of risks involved. SME Working Capital loan did not have any changes compared to the past, it still enables SMEs to borrow up to $300k of \u2018Risk-Sharing\u201d loan from all Participating Financial Institution. This means that SMEs can still enjoy a discounted rate of business loan for up to $300k. For more information on Working Capital Loan: Please visit sgsmeloans.com.sg to find out more! 2)SME FIXED ASSETS LOAN\u00b9 Finance the investment of domestic and overseas fixed asset, including: Purchase of equipment and machines for automation and upgrading Construction or purchase of government and commercial built factories and business premises Maximum Loan Quantum: S$30 million \/ borrower group Note Overall loan exposure limit of S$50 million per borrower group across all areas. Maximum Loan Repayment Period: 15 Years Risk Share: Enterprise Singapore will co-share up to 50% of loan default risk with the Participating Financial Institution in the event of enterprise insolvency; Risk share can be increased up to 70% for young enterprises\u00b2. Risk share will be 70% for fixed assets in markets with Standard &amp; Poor\u2019s (S&amp;P) ratings of below BBB- or are not rated. Interest Rate: Subject to Participating Financial Institutions\u2019 assessment of risks involved. 3)VENTURE DEBT LOAN Finance the growth of innovative enterprises using Venture Debt and Warrants. This form of financing is typically suited for high growth start-ups that do not have significant assets to be used as collateral under traditional bank lending. The warrants, or rights to purchase equity, is to compensate for the higher risk of loan default. Enterprises may use the Loan to: Grow and expand existing capacity Diversify into other product lines Augment working capital needs Undertake new projects Undergo merger and acquisitions Maximum Loan Quantum: S$5 million \/ borrower group Note Overall loan exposure limit of S$50 million per borrower group across all areas. Maximum Loan Repayment Period: 5 Years Risk Share: Enterprise Singapore will co-share up to 50% of loan default risk with the Participating Financial Institution in the event of enterprise insolvency; Risk share can be increased up to 70% for young enterprises\u00b2. Interest Rate: Subject to Participating Financial Institutions\u2019 assessment of risks involved. 4)TRADE LOAN Finance Import, Export and Guarantee needs, including: Inventory \/ stock financing Structured pre-delivery working capital (revolving working capital) Factoring (with recourse) \/ bill of invoice \/ AR discounting Overseas working capital loan The Trade Loan covers enterprises\u2019 domestic and overseas transactions. It also compliments the current Loan Insurance Scheme (LIS) through the Government insuring loans which are beyond the capacity of current LIS insurers, thereby enhancing enterprises\u2019 access to larger quantum of financing. Maximum Loan Quantum: S$5 million \/ borrower group Note Overall loan exposure limit of S$50 million per borrower group across all areas. Maximum Loan Repayment Period: 1 Year Risk Share: Enterprise Singapore will co-share up to 50% of loan default risk with the Participating Financial Institution in the event of enterprise insolvency; Risk share can be increased up to 70% for young enterprises\u00b2. Interest Rate: Subject to Participating Financial Institutions\u2019 assessment of risks involved. For more relevant information on trade loan: Please read up on Letter Of Credit \u00a0and also Invoice Financing. 5)PROJECT LOAN Finance the fulfilment of secured overseas projects. The supportable loan types include: Working capital and trade loans Equipment\/ machineries\/ vessels\/ other fixed assets Guarantees Maximum Loan Quantum: S$50 million \/ borrower group Note Overall loan exposure limit of S$50 million per borrower<\/p>\n","protected":false},"author":5,"featured_media":1373,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[15,16],"tags":[100,101,102],"class_list":["post-1372","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business-loan","category-trade-financing","tag-enterprise","tag-financing","tag-scheme"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.1 (Yoast SEO v28.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Working Capital Loan - [2020] Enterprise Financing Scheme (EFS)<\/title>\n<meta name=\"description\" content=\"From 2020, Enterprise SG\u2019s existing financing schemes will streamlined into one umbrella known as Enterprise Financing Scheme. EFS will enable SG enterprises to better access funding during their working capital loan and other scheme.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/bizsquare.com.sg\/enterprise-financing-scheme-efs\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Enterprise Financing Scheme (EFS)\" \/>\n<meta property=\"og:description\" content=\"From 2020, Enterprise SG\u2019s existing financing schemes will streamlined into one umbrella known as Enterprise Financing Scheme. 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