
Enterprise Singapore Loan
As part of our commitment to support local SMEs, ETHOZ Capital is one of the 15 Financial Institutions participating in the Government’s Enterprise Scheme (EFS). In partnership with Enterprise Singapore, ETHOZ Capital provides government aided loans to encourage and support the growth of locally-owned businesses.
Types of Enterprise Singapore Loans

SME Working Capital Loan
Enhanced in Budget 2020, the SME Working Capital Loan provides SMEs access to working capital for their operational cash flow needs. 1 ACRA registered Sole Proprietorship, Partnership, Limited Liability Partnerships and Companies are eligible to apply for the enhanced SME Working Capital Loan. Approval of the loan is subject to the PFI’s assessment. 2 Borrower Group consists of the following: Maximum Loan Quantum: S$1 million Eligibility:
a. Borrower; and
b. Corporate shareholders that hold more than 50% of the total shareholding of the applicant company, and any subsequent
corporate parents (all levels up), and subsidiaries all levels down. (Annual sales turnover and employment size is computed on a group basis.)

Temporary Bridging Loan
Enhanced in Budget 2020, the SME Working Capital Loan provides SMEs access to working capital for their operational cash flow needs.
1 ACRA registered Sole Proprietorship, Partnership, Limited Liability Partnerships and Companies are eligible to apply for the enhanced SME Working Capital Loan. Approval of the loan is subject to the PFI’s assessment.
2 Borrower Group consists of the following:
a. Borrower; and
b. Corporate shareholders that hold more than 50% of the total shareholding of the applicant company, and any subsequent
corporate parents (all levels up), and subsidiaries all levels down. (Annual sales turnover and employment size is computed on a group basis.)
Maximum Loan Quantum: S$1 million
Eligibility:
- Be a business entity1 that is registered and physically present in Singapore
- At least 30% local equity held directly or indirectly by Singaporean(s) and/or Singapore PR(s), determined by the ultimate individual ownership
- Maximum Borrower Group2 revenue cap of S$500 million for all enterprises
- For “SME Working Capital”, the SME definition refers to Group revenue of up to S$100 million or maximum employment of 200 employees

SME Fixed Assets Loan
Enhanced in Budget 2020, the SME Working Capital Loan provides SMEs access to working capital for their operational cash flow needs.
1 ACRA registered Sole Proprietorship, Partnership, Limited Liability Partnerships and Companies are eligible to apply for the enhanced SME Working Capital Loan. Approval of the loan is subject to the PFI’s assessment.
2 Borrower Group consists of the following:
a. Borrower; and
b. Corporate shareholders that hold more than 50% of the total shareholding of the applicant company, and any subsequent
corporate parents (all levels up), and subsidiaries all levels down. (Annual sales turnover and employment size is computed on a group basis.)
Maximum Loan Quantum: S$1 million
Eligibility:
- Be a business entity1 that is registered and physically present in Singapore
- At least 30% local equity held directly or indirectly by Singaporean(s) and/or Singapore PR(s), determined by the ultimate individual ownership
- Maximum Borrower Group2 revenue cap of S$500 million for all enterprises
- For “SME Working Capital”, the SME definition refers to Group revenue of up to S$100 million or maximum employment of 200 employees
SME Working Capital Loan
Enhanced in Budget 2020, the SME Working Capital Loan provides SMEs access to working capital for their operational cash flow needs.
1 ACRA registered Sole Proprietorship, Partnership, Limited Liability Partnerships and Companies are eligible to apply for the enhanced SME Working Capital Loan. Approval of the loan is subject to the PFI’s assessment.
2 Borrower Group consists of the following:
a. Borrower; and
b. Corporate shareholders that hold more than 50% of the total shareholding of the applicant company, and any subsequent
corporate parents (all levels up), and subsidiaries all levels down. (Annual sales turnover and employment size is computed on a group basis.)
Maximum Loan Quantum: S$1 million
Eligibility:
- Be a business entity1 that is registered and physically present in Singapore
- At least 30% local equity held directly or indirectly by Singaporean(s) and/or Singapore PR(s), determined by the ultimate individual ownership
- Maximum Borrower Group2 revenue cap of S$500 million for all enterprises
- For “SME Working Capital”, the SME definition refers to Group revenue of up to S$100 million or maximum employment of 200 employees
Temporary Bridging Loan
Introduced in March 2020, the Temporary Bridging Loan Programme (TBLP) is available for a year until March 2021. It aims to provide additional cash flow support to aid businesses in tiding over the COVID-19 crisis.
4 ACRA registered Sole Proprietorship, Partnership, Limited Liability Partnerships and Companies are eligible to apply for the Temporary Bridging Loan. Approval of the loan is subject to assessment by ETHOZ.
Maximum Loan Quantum: S$5 million
Eligibility:
- Be a business entity4 that is registered and physically present in Singapore
- At least 30% local equity held directly or indirectly by Singaporean(s) and/or Singapore PR(s), determined by the ultimate individual ownership
SME Fixed Assets Loan
This loan allows SMEs to invest in fixed assets, including equipment and machines for automation and upgrading, as well as the construction or purchase of government and commercial built factories and business premises.
3 Borrower Group consists of the borrower as well as corporate shareholders that hold more than 50% of the total shareholding of the applicant company, and any subsequent corporate parents (all levels up) and subsidiaries all levels down. (Annual sales turnover and employment size are computed on a group basis).
Maximum Loan Quantum: S$30 million
Eligibility:
- Be registered and operating in Singapore
- Have a minimum of 30% local shareholding
- Maximum Borrower Group3 revenue cap of S$500 million for all enterprises
- For “SME Fixed Assets”, SME definition refers to Group revenue of up to S$100 million or maximum employment of 200 employees
Financing Example





Upon agreement, ETHOZ waste little time in securing the funding for Company D. The whole process is quick and hassle-free. Thus, Company D is able to proceed with their machinery upgrade almost immediately – increasing the company’s food processing output and therefore sales.
ETHOZ has offered Company D the following terms:
Interest Rate : 5.5% effective rate
Monthly Repayment : $3,020 x 36 months




* Disclaimer: Example above is merely shown for illustration purpose to better allow readers to understand the uses of each financing solution. Figures and interest rates listed above are not representative; it may differ based on each company’s requirements and management’s approval. Additional terms and conditions may also apply based on the credit assessment and evaluation conducted during application. ETHOZ Capital Ltd and its employees make no representation or warranty, whether expressed or implied, and accept no responsibility for the completeness or accuracy of the computation.

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