Business financing
Nine facilities, usually combined. The combination is where the extra quantum comes from.
Government-backed, bank-issued.
Under the Enterprise Financing Scheme, Enterprise Singapore shares the default risk with the participating bank. That risk-share is what keeps SME pricing where it is, and it is also why the paperwork rewards a well-structured case.
The government-backed SME working capital facility, capped at S$500,000 per borrower, with the risk shared between Enterprise Singapore and the participating bank.
An unsecured term facility used alongside the Working Capital Loan so total funding can go beyond the WCL cap while drawing less of your WCL quota.
Purchase or refinancing of commercial and industrial property, including loans against a property your company already owns.
A revolving line attached to your operating account for short, uneven cash gaps, so you pay interest only on what you actually draw.
Advance against invoices already issued, so payroll and suppliers are not waiting on a customer's 60 or 90 day terms.
Funding for goods bought overseas: letters of credit, trust receipts and supplier payments settled before your stock arrives and sells.
Machinery, vehicles and plant funded against the asset itself, keeping the capital cost off your working line.
Funding structured around a specific awarded contract, drawn against progress claims rather than the balance sheet alone.
Non-bank facilities for cases the banks decline on policy rather than on substance, considered only where the terms genuinely make sense.