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Tailored
SME Financing Solutions
Explore tailored funding for startups, SMEs, aligning with business goals.
> What We Do > SME Loans Overview
Elevate Your Business To The Next Levels
Choose the right financing-mix facilities to grow a healthy and sustainable business.
Leveraging on the right financing mix of supporting the company's liquidity needs. Other than keeping the borrowing costs low, but also improving the financial metrics healthy and resilient.
Enterprise Singapore Finance Schemes
ESG's risk-sharing programs help to manage healthy cash flow and sustainable growth.
 EFS Green Loan -advocate local firms to develop capabilities & capture opportunities for sustainable growth. |  SME Working Capital Loan - Support daily & operational cash flow needs. |
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 Enhanced Temporary Bridging Loan - Helping companies fight against raising costs and build capabilities. |  Enhanced EFS Trade Loan - Support more companies to internationalize trade and seize opportunities in new emerging markets, included non-rated countries. |
 Enhanced EFS Venture Debt & Warrants - Suitable for innovative and high growth start-ups to expand capacity and new developments. |  SME Fixed Assets Loan - Financing for automation and upgrading of new plant & machinery and for purchase of commercial properties. |
 Enhanced EFS Project Loan - To support construction companies to secure local projects to fight against rising costs and alleviate tight cash flow. |  Enhanced EFS Merger & Acquisitions Loan - To allow companies to scale & expand for synergy acquisition in the emerging sectors. |
 International Finance Scheme - To finance for local or overseas infrastructure projects. |
Finance Your Business
Find the right loan that can help you manage cash flow, growing your business further.
We Do The Sum For You
Useful Articles For SMEs
Dec. 21, 2021 at 11am
Feb. 18, 2022 at 5pm
Government
Need Help?
Find Out How SME+FS Can Help Your Business.
Commercial Working Capital Loans
Innovative Funding solutions will meet your present and future business cash-flow needs.
 Business Term Loans - Suitable for operational cash flows and long-term growth. |  Revolver Term Loan - Standby funds suitable for urgent cash flow needs. |
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 Overdraft Facility - Flexible line of credit for ad-hoc requirement. |  Short-Term Credit Non Revolver - For one-off and demand basis. |
 Trade | Business Invoice Finance - For import and export trade. Saving on insurance premium. |  Supply-Chain Or Reverse Factoring - Suitable for big ticket sales & purchase finance. |
 Discounting on Letter of Credit - For cash advance of export invoice. |  Debenture Finance - Refinance fixed assets for working capital loan. |
 Sales & Hire-Back - Use mobile assets to generate cash flow. |  Corporate Credit Card - For purchase of goods and business expenses up to 51 days credit term. |
 Bridging Loan Facility - Short-term term loan or refinance for fast cash. |
Finance Your Business
Find the right loan that can help to accelerate business moving fast in the new markets.
Tailor-Made For Growth
Biz working capital
Growing your business with our one-stop cash-flow solutions.
We deliver only best-class financing solutions.
We tailor-making one-stop and best class financing solutions to let companies access to diverse and wide-range of capital resources for growing overseas markets more smoothly.
Fixed Assets-Based/ Lease Financing
Modernizing and upgrading your long-term assets fleet with our innovative solutions.
 HP (Hire-Purchase) Finance - For upgrading of equipment fleet. |  Private & Commercial & Industrial Property Loan - For investing of long-term assets or refinancing for cash flow. |
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 Renovation & IT Loans - To upgrade of property & technologies finance. |  Vessel Loans - To finance or refinancing of tug & barges or commercial vessels. |
 Floor stocking - To finance of new and used cars inventory. |
Useful Articles For SMEs
Things to know when you are applying for a bank loan.
Sept. 20, 2020 at 11am
What you must know - business loan interest rate.
Sept. 15, 2021 at 11am
Know the components to make a good business plan.
Sept. 12, 2021 at 11am
Asset-based
Dedicating to solve the financial problems and promoting the best financial practices to reshape for stronger and resilient companies.
Change from the impossible to possible.
Today companies are facing many tough economic challenges and stiff market competitions, which may add significant pressure to the companies.
We are equipped with 15 years of industry experience, skills & knowledge helps companies to identify and remove the financial blind-spots, as well as promoting best practices to enhance the core capital financial capabilities.
It's critical to take proactive actions, should there be any sickening cash-flows and financial issues to fix at the early stage to regain financial glory soon.
Specialized/ Cross-Border Financing
Be financially-ready when expanding & growing your business ventures overseas.
 Cross-Border Finance - Design to finance the overseas projects. |  Project Financing - Provide cash, trade, assets finance to support the local projects or awarded contracts. |
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 Venture-Debt Financing - Investor provides working capital to finance the business growth. |  Structural Finance - Provides 4 types of finance to support the special financing needs. |
 Banker Guarantee - In form a guarantee in exchange for securing the projects. |
Finance Your Business
Find the right loan that can help you manage cash flow, grow your business.
Handle In The Good Hands
Specialised loans
Helping to shape stronger financial capabilities and a healthy capital framework for businesses.
Connecting to responsible
financing platforms to keep borrowing costs lower and healthy balance sheets.
Protecting the important assets and reducing financial risks are our commitments to you.
Providing regular financial supports to our loyal customers to maximize their financial interests and returns.
Helping customers to solve financial issues and give ideas for building financial wealth and health.
We regularly conduct financial health-checks to ensure the fitness of the financial conditions.
Fintech/ P2P Alternative Financing
New innovative capital gateways complement to businesses' working capital loan needs.
Useful Articles For SMEs
 Short-Term/ Bridging Loan - Suitable to meet for urgent business commitments. | Non-notifying Factoring - Flexible terms to discount invoices for cash without the needs to seek the consent from the customers. |
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 Project Loans - A 3rd tier financing for the awarded projects. |  Cross-Border Supply-Chain Finance - Design to gear up for upfront cash flows for the overseas sales. |
 Property Refinancing - To gear-up extra cash flows from the property under the special requirements. |  Venture Equity Loans - Selling company shares to strategic investors to exchange for capital to support for long-term growth. |
Things to know when you are applying for a bank loan.
Sept. 20, 2020 at 11am
What you must know - business loan interest rate.
Sept. 15, 2021 at 11am
Know the components to make a good business plan.
Sept. 12, 2021 at 11am
Fixed Assets-Based/ Lease Financing
Modernizing and upgrading your long-term assets fleet with our innovative solutions.
HP (Hire-Purchase) Finance - For upgrading of equipment fleet. | Private & Commercial & Industrial Property Loan - For investing of long-term assets or refinancing for cash flow. |
|---|---|
Renovation & IT Loans - To upgrade of property & technologies finance. | Vessel Loans - To finance or refinancing of tug & barges or commercial vessels. |
Floor stocking - To finance of new and used cars inventory. |
Useful Articles For SMEs
Things to know when you are applying for a bank loan.
Sept. 20, 2020 at 11am
What you must know - business loan interest rate.
Sept. 15, 2021 at 11am
Know the components to make a good business plan.
Sept. 12, 2021 at 11am
Fintech/ P2P loans
Measure & Make On Needs
Financial Solutions Designed With Your Industry & Needs In Mind.
Our expertise helps companies to build stronger financial strengths for their unique business.
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