{"id":6150,"date":"2021-12-28T07:57:42","date_gmt":"2021-12-27T23:57:42","guid":{"rendered":"https:\/\/glutenfreepleasure.com\/__proxy_domain\/sgsmeloans.com.sg\/?p=6150"},"modified":"2025-06-05T11:33:47","modified_gmt":"2025-06-05T03:33:47","slug":"2020-enterprise-financing-scheme-efs","status":"publish","type":"post","link":"https:\/\/glutenfreepleasure.com\/__proxy_domain\/sgsmeloans.com.sg\/2020-enterprise-financing-scheme-efs\/","title":{"rendered":"Enterprise Financing Scheme (EFS) Singapore 2025"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"6150\" class=\"elementor elementor-6150\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7c568f5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7c568f5\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b344287\" data-id=\"b344287\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b217145 elementor-widget elementor-widget-image\" data-id=\"b217145\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"378\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/sgsmeloans.com.sg\/wp-content\/uploads\/2021\/12\/enterprise-financing-scheme1-1024x378.jpg\" class=\"attachment-large size-large wp-image-6283\" alt=\"SME Loan Singapore\" srcset=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/sgsmeloans.com.sg\/wp-content\/uploads\/2021\/12\/enterprise-financing-scheme1-1024x378.jpg 1024w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/sgsmeloans.com.sg\/wp-content\/uploads\/2021\/12\/enterprise-financing-scheme1-300x111.jpg 300w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/sgsmeloans.com.sg\/wp-content\/uploads\/2021\/12\/enterprise-financing-scheme1-768x283.jpg 768w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/sgsmeloans.com.sg\/wp-content\/uploads\/2021\/12\/enterprise-financing-scheme1.jpg 1431w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ebc6028 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ebc6028\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-598aae8\" data-id=\"598aae8\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fd7db1f elementor-widget elementor-widget-spacer\" data-id=\"fd7db1f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-678ca5a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"678ca5a\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7b22ede\" data-id=\"7b22ede\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-21a24bd elementor-widget elementor-widget-heading\" data-id=\"21a24bd\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">[2020] Enterprise Financing Scheme (EFS)<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4a0ee02 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4a0ee02\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-af6adf6\" data-id=\"af6adf6\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d6e1288 elementor-widget elementor-widget-text-editor\" data-id=\"d6e1288\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<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><h3><span class=\"lh-1 font-size-20\"><b>What is Enterprise Financing Scheme (EFS)?<br \/><\/b><\/span><\/h3><p><span class=\"lh-1 font-size-16\">The\u00a0<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>\u00a0streamlines 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.<br \/><\/span><\/p><p><span class=\"lh-1 font-size-16\">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.<\/span><\/p><p><span class=\"lh-1 font-size-16\"><br \/><\/span><span class=\"lh-1 font-size-16\">With the introduction of the EFS, ESG will discontinue the eight existing financing schemes, namely the<\/span><\/p><div><ol class=\"innerList defaultList\"><li><span class=\"lh-1 font-size-16\">SME Equipment Loan,<\/span><\/li><li><span class=\"lh-1 font-size-16\">SME Factory Loan,<\/span><\/li><li><span class=\"lh-1 font-size-16\">SME Working Capital Loan,<\/span><\/li><li><span class=\"lh-1 font-size-16\">SME Micro Loan,<\/span><\/li><li><span class=\"lh-1 font-size-16\">SME Micro Loan for Young Companies,<\/span><\/li><li><span class=\"lh-1 font-size-16\">SME Venture Loan,<\/span><\/li><li><span class=\"lh-1 font-size-16\">Internationalisation Finance Scheme and<\/span><\/li><li><span class=\"lh-1 font-size-16\">Loan Insurance Scheme Plus<\/span><\/li><\/ol><div>These financing schemes were carried over from former SPRING and IE Singapore and will be relaunched as the EFS, managed by Enterprise Singapore.<\/div><\/div><div>\u00a0<\/div><div>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:<\/div><div><ol class=\"innerList defaultList\"><li>SME Working Capital\u00a0\u2013 For day to day business operations<\/li><li>SME Fixed Assets \u2013 Buy business properties, commercial vehicles, equipment, vessels, land<\/li><li>Venture Debt \u2013 Debt financing with warrants for high growth enterprises in between equity financing rounds<\/li><li>Trade \u2013 To finance domestic and overseas markets<\/li><li>Project Loan\u2013 To secure and execute overseas projects or orders<\/li><li>Mergers &amp; Acquisitions \u2013 To merge with or acquire other enterprises<\/li><\/ol><div>A higher risk share will be considered for the following:<\/div><div>\u00a0<\/div><div><span style=\"font-size: 16px;\">a) Young companies within 5 years from inception; and<\/span><\/div><\/div><div>b) Selected markets with Standard &amp; Poor\u2019s (S&amp;P) ratings of below BBB- or are not rated.<\/div><div>\u00a0<\/div><div>More information can be found on\u00a0https:\/\/www.mti.gov.sg\/-\/media\/MTI\/COS-2019\/Factsheet_EFS.pdf<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8e325b3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8e325b3\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0c88a63\" data-id=\"0c88a63\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f783dff elementor-widget elementor-widget-image\" data-id=\"f783dff\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"254\" height=\"130\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/sgsmeloans.com.sg\/wp-content\/uploads\/2021\/12\/enterprise-financing-scheme2.jpg\" class=\"attachment-large size-large wp-image-6284\" alt=\"EFS Singapore\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-44f7ff6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"44f7ff6\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ef113c5\" data-id=\"ef113c5\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-822af62 elementor-widget elementor-widget-spacer\" data-id=\"822af62\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-95dd58c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"95dd58c\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b1a8e3c\" data-id=\"b1a8e3c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d84488e elementor-widget elementor-widget-text-editor\" data-id=\"d84488e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3 class=\"m-size-14 size-20\"><span class=\"m-font-size-14 font-size-20\">1)SME WORKING CAPITAL LOAN\u00b9<\/span><\/h3><p>Finance daily operational cashflow needs.<\/p><ul class=\"defaultList\"><li>Maximum Loan Quantum: S$300,000 \/ borrower<br \/>Note Overall loan exposure limit of S$50 million per borrower group across all areas.<\/li><\/ul><ul class=\"defaultList\"><li>Maximum Loan Repayment Period: 5 Years<\/li><li>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.<\/li><li>Interest Rate: Subject to Participating Financial Institutions\u2019 assessment of risks involved.<\/li><\/ul><p><span class=\"\">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.\u00a0<\/span><strong><span class=\"\">For more information click on <a href=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/sgsmeloans.com.sg\/working-capital-loan-singapore\/\">SME Working Capital Loan <\/a><\/span><span class=\"\">to find out more!<\/span><\/strong><\/p><h3 class=\"m-size-14 size-20\"><span class=\"m-font-size-14 font-size-20\">2)SME FIXED ASSETS LOAN\u00b9<\/span><\/h3><p>Finance the investment of domestic and overseas fixed asset, including:<\/p><ol class=\"defaultList\"><li>Purchase of equipment and machines for automation and upgrading<\/li><li>Construction or purchase of government and commercial built factories and business premises<\/li><\/ol><ul class=\"defaultList\"><li>Maximum Loan Quantum: S$30 million \/ borrower group<br \/>Note Overall loan exposure limit of S$50 million per borrower group across all areas.<\/li><\/ul><ul class=\"defaultList\"><li>Maximum Loan Repayment Period: 15 Years<\/li><\/ul><ul class=\"defaultList\"><li>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.<\/li><\/ul><ul class=\"defaultList\"><li>Interest Rate: Subject to Participating Financial Institutions\u2019 assessment of risks involved.<\/li><\/ul><h3 class=\"m-size-14 size-20\"><span class=\"m-font-size-14 font-size-20\">3)VENTURE DEBT LOAN<\/span><\/h3><p>Finance the growth of innovative enterprises using Venture Debt and Warrants.<\/p><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><p>Enterprises may use the Loan to:<\/p><ol class=\"defaultList\"><li>Grow and expand existing capacity<\/li><li>Diversify into other product lines<\/li><li>Augment working capital needs<\/li><li>Undertake new projects<\/li><li>Undergo merger and acquisitions<\/li><\/ol><ul class=\"defaultList\"><li>Maximum Loan Quantum: S$5 million \/ borrower group<br \/>Note Overall loan exposure limit of S$50 million per borrower group across all areas.<\/li><\/ul><ul class=\"defaultList\"><li>Maximum Loan Repayment Period: 5 Years<\/li><li>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.<\/li><li>Interest Rate: Subject to Participating Financial Institutions\u2019 assessment of risks involved.<\/li><\/ul><h3 class=\"m-size-14 size-20\"><span class=\"m-font-size-14 font-size-20\">4)TRADE LOAN<\/span><\/h3><p><strong>Finance Import, Export and Guarantee needs, including:<\/strong><\/p><ul class=\"defaultList\"><li><strong>Inventory \/ stock financing<\/strong><\/li><li><strong>Structured pre-delivery working capital (revolving working capital)<\/strong><\/li><li><strong>Factoring (with recourse<a href=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/sgsmeloans.com.sg\/invoice-financing\/\" target=\"_blank\" rel=\"noopener\">)<\/a>\u00a0\/ bill of invoice \/ AR discounting<\/strong><\/li><li><strong>Overseas working capital loan<\/strong><\/li><\/ul><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>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-05dc03e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"05dc03e\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0f7052e\" data-id=\"0f7052e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-18b1fca elementor-widget elementor-widget-spacer\" data-id=\"18b1fca\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d2df8f9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d2df8f9\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c3f7b79\" data-id=\"c3f7b79\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3879680 elementor-widget elementor-widget-image\" data-id=\"3879680\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"600\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/sgsmeloans.com.sg\/wp-content\/uploads\/2021\/12\/enterprise-financing-scheme3.png\" class=\"attachment-large size-large wp-image-6285\" alt=\"EFS Singapore\" srcset=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/sgsmeloans.com.sg\/wp-content\/uploads\/2021\/12\/enterprise-financing-scheme3.png 800w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/sgsmeloans.com.sg\/wp-content\/uploads\/2021\/12\/enterprise-financing-scheme3-300x225.png 300w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/sgsmeloans.com.sg\/wp-content\/uploads\/2021\/12\/enterprise-financing-scheme3-768x576.png 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-30369e0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"30369e0\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8217507\" data-id=\"8217507\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c439128 elementor-widget elementor-widget-spacer\" data-id=\"c439128\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2a06902 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2a06902\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2094baa\" data-id=\"2094baa\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-40f12c7 elementor-widget elementor-widget-text-editor\" data-id=\"40f12c7\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul class=\"defaultList\"><li>Maximum Loan Quantum: S$5 million \/ borrower group<br \/>Note Overall loan exposure limit of S$50 million per borrower group across all areas.<\/li><\/ul><ul class=\"defaultList\"><li>Maximum Loan Repayment Period: 1 Year<\/li><li>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.<\/li><li>Interest Rate: Subject to Participating Financial Institutions\u2019 assessment of risks involved.<\/li><\/ul><p>For more relevant information on trade loan: Please read up on <a style=\"font-size: 16px; background-color: #ffffff;\" href=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/sgsmeloans.com.sg\/letter-of-credit\/\" target=\"_blank\" rel=\"noopener\">Letter Of Credit\u00a0<\/a><span style=\"font-size: 16px;\">\u00a0and also\u00a0<\/span><a style=\"font-size: 16px; background-color: #ffffff;\" href=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/sgsmeloans.com.sg\/invoice-financing\/\" target=\"_blank\" rel=\"noopener\">Invoice Financing<\/a><span style=\"font-size: 16px;\">.<\/span><\/p><h3 class=\"m-size-14 size-20\"><span class=\"m-font-size-14 font-size-20\">5)PROJECT LOAN<\/span><\/h3><p><strong>Finance the fulfilment of secured overseas projects. The supportable loan types include:<\/strong><\/p><ol class=\"defaultList\"><li>Working capital and trade loans<\/li><li>Equipment\/ machineries\/ vessels\/ other fixed assets<\/li><li>Guarantees<\/li><\/ol><ul class=\"defaultList\"><li>Maximum Loan Quantum: S$50 million \/ borrower group<br \/>Note Overall loan exposure limit of S$50 million per borrower group across all areas.<\/li><\/ul><ul class=\"defaultList\"><li>Maximum Loan Repayment Period: 15 Years<\/li><li>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.<\/li><li>Interest Rate: Subject to Participating Financial Institutions\u2019 assessment of risks involved.<\/li><\/ul><h3 class=\"m-size-14 size-20\"><span class=\"m-font-size-14 font-size-20\">6)MERGERS &amp; ACQUISTIONS LOAN<\/span><\/h3><p>Finance the acquisition of local or overseas target enterprises, with the intent of internationalization.<\/p><ul class=\"defaultList\"><li>Maximum Loan Quantum: S$50 million \/ borrower group<br \/>Note Overall loan exposure limit of S$50 million per borrower group across all areas.<\/li><\/ul><ul class=\"defaultList\"><li>Maximum Loan Repayment Period: 5 Years<\/li><li>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.<\/li><li>Interest Rate: Subject to Participating Financial Institutions\u2019 assessment of risks involved.<\/li><\/ul><p class=\"m-size-8 size-12\"><span class=\"m-font-size-8 font-size-12\">\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<br \/><\/span><span class=\"m-font-size-8 font-size-12\">\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.<\/span><\/p><h3 class=\"m-size-14 size-20\"><span style=\"text-decoration: underline;\">HOW TO QUALIFY FOR EFS?<\/span><\/h3>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-51a562e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"51a562e\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-04b2c3a\" data-id=\"04b2c3a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-026dcbf elementor-widget elementor-widget-image\" data-id=\"026dcbf\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"203\" height=\"100\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/sgsmeloans.com.sg\/wp-content\/uploads\/2021\/11\/approval.png\" class=\"attachment-large size-large wp-image-4649\" alt=\"best sme loan singapore\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-66 elementor-top-column elementor-element elementor-element-dbe12e8\" data-id=\"dbe12e8\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b91aac7 elementor-widget elementor-widget-text-editor\" data-id=\"b91aac7\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>BE A BUSINESS ENTITY THAT IS REGISTERED AND PHYSICALLY PRESENT IN SINGAPORE<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f8e97ce elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f8e97ce\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-2807e4b\" data-id=\"2807e4b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a7d9978 elementor-widget elementor-widget-image\" data-id=\"a7d9978\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"203\" height=\"100\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/sgsmeloans.com.sg\/wp-content\/uploads\/2021\/11\/approval.png\" class=\"attachment-large size-large wp-image-4649\" alt=\"best sme loan singapore\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-66 elementor-top-column elementor-element elementor-element-9806c35\" data-id=\"9806c35\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ef2b510 elementor-widget elementor-widget-text-editor\" data-id=\"ef2b510\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>HAVE AT LEAST 30% LOCAL ENTITY HELD DIRECTLY OR INDIRECTLY BY SINGAPOREAN(S) AND\/OR SINGAPORE PR(S), DETERMINED BY THE ULTIMATE INDIVIDUAL OWNERSHIP<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1d0313e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1d0313e\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-32019f2\" data-id=\"32019f2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1f0c027 elementor-widget elementor-widget-image\" data-id=\"1f0c027\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"203\" height=\"100\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/sgsmeloans.com.sg\/wp-content\/uploads\/2021\/11\/approval.png\" class=\"attachment-large size-large wp-image-4649\" alt=\"best sme loan singapore\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-66 elementor-top-column elementor-element elementor-element-63da19c\" data-id=\"63da19c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5828347 elementor-widget elementor-widget-text-editor\" data-id=\"5828347\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>HAVE A MAXIMUM BORROWER GROUP REVENUE CAP OF $500 MILLION FOR ALL COMPANIES<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-33c8fa5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"33c8fa5\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7e3b08d\" data-id=\"7e3b08d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-45228fa elementor-widget elementor-widget-text-editor\" data-id=\"45228fa\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Sources from:https:\/\/www.enterprisesg.gov.sg\/<br \/>https:\/\/www.enterprisesg.gov.sg\/financial-assistance\/loans-and-insurance\/loans-and-insurance\/enterprise-financing-scheme\/overview<\/p><p><strong><a href=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/bizsquare.com.sg\/\" target=\"_blank\" rel=\"noopener\">BizSquare<\/a>\u00a0is a one-stop business consultancy firm providing Loan Consultancy Services,\u00a0Accounting and Corporate Secretarial Services,\u00a0Branding and Marketing Consultancy, Strategy Management and Start-up Mentorship.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7d3fdbc elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7d3fdbc\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e3f8161\" data-id=\"e3f8161\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9d75dd2 elementor-widget elementor-widget-image\" data-id=\"9d75dd2\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/sgsmeloans.com.sg\/contact-us\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"341\" height=\"126\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/sgsmeloans.com.sg\/wp-content\/uploads\/2021\/11\/free-consultation.png\" class=\"attachment-large size-large wp-image-4662\" alt=\"best sme loan singapore\" srcset=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/sgsmeloans.com.sg\/wp-content\/uploads\/2021\/11\/free-consultation.png 341w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/sgsmeloans.com.sg\/wp-content\/uploads\/2021\/11\/free-consultation-300x111.png 300w\" sizes=\"(max-width: 341px) 100vw, 341px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>[2020] 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)? 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