Loan guaranteeOpen all year🇸🇬 Singapore

Enterprise Financing Scheme – SME Fixed Assets Loan

A government-backed bank loan that helps SMEs buy fixed assets such as machinery, equipment or property, in Singapore or overseas.

Run by

Enterprise Singapore

Funding

Amount varies

Subject to S$50 million maximum loan quantum per borrower group across all EFS facilities; maximum repayment period of 15 years.

Your share

Government risk share of 50% (70% for young enterprises or challenged markets). The borrower repays 100% of the loan.

Who can apply

Registered and operating in Singapore
At least 30% local shareholding
SME: group revenue up to S$100m or up to 200 employees
Subject to the participating financial institution's credit assessment

How to apply

Apply through a participating bank.

Last checked

2026-10-11

Official page ↗

BizGrantAI is an independent guide, not a government agency. Rules and amounts change, so always confirm on the official page before applying. We never charge for applications.