Enterprise Financing Scheme – Foreign-based Financial Institutions / Multilateral Development Bank

globe The scheme supports Singapore enterprises’ internationalisation efforts

Open for applications until 31 March 2026. All applications must reach EnterpriseSG and be approved by a participating Financial Institution (FI) by 31 March 2026.

About this financing scheme

The Enterprise Financing Scheme – Foreign-based Financial Institutions / Multilateral Development Banks (EFS-FFI/MDB) aims to support Singapore enterprises to access finance from FFIs and MDBs when venturing overseas.

EnterpriseSG will provide 50% risk-share to catalyse the lending from participating Financial Institutions (FIs)

Loan types and details

Loan type	Supportable areas	Maximum Loan Quantum / borrower	Maximum Repayment Period
Working Capital Loan	Supportable areas: Finance daily operational cashflow needs	Maximum Loan Quantum / borrower: S$300,000	Maximum Repayment Period: Up to 5 years
Fixed Assets Loan	Supportable areas: Purchase of equipment and machinery Construction of factories or purchase of land overseas	Maximum Loan Quantum / borrower: S$30 million	Maximum Repayment Period: Up to 15 years
Trade Loan	Supportable areas: Finance trade needs	Maximum Loan Quantum / borrower: S$8 million	Maximum Repayment Period: Up to 1 year
Project Loan	Supportable areas: Finance the fulfilment of secured overseas projects	Maximum Loan Quantum / borrower: S$50 million	Maximum Repayment Period: Up to 15 years
Mergers & Acquisition Loan	Supportable areas: Finance the mergers and acquisition of target enterprises	Maximum Loan Quantum / borrower: S$50 million	Maximum Repayment Period: Up to 5 years

Note: Total overall borrower group¹ limit exposure is S$50 million for EFS-FFI/MDB, EFS and EFS-Green.

EnterpriseSG Risk-share	Risk share is at 50% Borrowers are responsible to repay 100% of the loan amount When defaults occur, the participating FIs are obligated to follow their standard commercial recovery procedure. This includes the realisation of security, before they can make a claim against EnterpriseSG for the unrecovered amount in proportion to the risk-share
Interest Rate	Subject to participating FIs’ assessment of risks involved

¹ A Borrower Group consists of the following:

Borrower
Corporate shareholders holding more than 50% at all levels up
Subsidiaries where the Applicant company holds more than 50% shareholdings and subsequent subsidiaries at all levels down
Subsidiaries where the Applicant’s Ultimate Parent Company holds more than 50% shareholdings and their subsidiaries at all levels down

Eligibility

Business entity registered and operating in Singapore
- ACRA-registered Sole Proprietorships, Partnerships, Limited Liability Partnerships and Companies are eligible to apply
Company has at least 30% local equity held directly or indirectly by Singaporean(s) and/or Singapore PR(s), determined by the ultimate individual ownership
Company's Group Annual Sales Turnover should not exceed S$100 million for Working Capital Loans
Company's Group Annual Sales Turnover should not exceed S$500 million for all other product types