Enterprise Financing Scheme (EFS)

Under the Enterprise Financing Scheme by Enterprise Singapore, Validus offers government-assisted SME loans so that your business can access funds to drive recovery or growth.

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Check your eligibility

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SME Financing Solutions (Government-Assisted Scheme)

po-financing
Trade Loan: PO Financing
$
Suits SMEs with large orders or contracts to kickstart projects
Loan Amount: Up to $250,000 (max. 60% of PO value)
Loan Tenure: 1 to 5 months
Fees: Disbursal fee + interest only
po-financing
Trade Loan: Invoice Financing
$
For SMEs issuing Invoices with credit terms of 30 - 180 days
Loan Amount: Up to $500,000 (max. 80% of invoice)
Loan Tenure: 1 - 6 months
Fees: Disbursal fee + interest only
invoice-financing
SME Working Capital Loan
$
Unsecured business loans for SMEs
Loan Amount: Up to $200,000
Loan Tenure: 3 to 12 months
Fees: Disbursal fee + interest only

Gain a competitive edge with better financing

alternative-financing
Address cash flow challenges for operations
fulfil-orders
Fulfil orders and meet increased demand
supplement-govt-relief
Supplement government relief measures
adapt-and-retool
For new business ideas or to adapt services or products
Learn how we can help

Frequently Asked Questions about EFS

Is my business eligible?

Eligibility criteria^

– Be incorporated and operating in Singapore, with 100% local shareholding

– Business entity set up of at least 2 years

– Group annual revenue below S$500 million

What documents are needed to apply?

It’s easy to get started, SMEs will simply need to send in a few documents to apply:

  • Bank Statements (past 6 months)
  • Financial Statement/ Management Account (past 1 year)
  • Credit Bureau Statement (past 1 month) of Personal Guarantor(s)
  • Notice of Assessment (past 1 year) of Personal Guarantor(s)

Note: Required application documents may vary on application based on the financing request

How much can I borrow?

You could obtain up to SGD 500k under the Enterprise Financing Scheme with Validus. The loan amount, interest rates and disbursement fee for any finance or loan request may vary and is subject to assessment by Validus Capital.

How long does the application process take?

The application process for an SME loan typically takes less than 15 mins. Once your application has been approved and the documents verified (typically within 48 hours), funds will then disbursed to your nominated account. Simply get in touch with us to get started.

Please refer to our FAQs page if you have more questions.

Further addressing the SME financing gap as a PFI

As Singapore's largest SME financing platform, we understand how access to affordable financing can enable SMEs’ exponential growth, and we're capable of empowering more SMEs to obtain funding.
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We’ve funded over $1 billion to SMEs, helping to accelerate their growth. But don’t take our word for it…take theirs instead.

Singapore’s largest SME financing platform driving financial inclusion across SEA

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^Eligibility criteria is specific to Validus’ EFS only, and is not representative of Enterprise Singapore’s criteria. Information is accurate as of 1 Mar 2021, and is subject to change without notice. It is intended as a guide only, and does not constitute an offer of finance.