Grow Your Business with Enterprise Financing Scheme Trade Loan

Enterprise Financing Scheme
Trade Loan (EFS-TL)

Grow your business with us

Enterprise Financing Scheme
Trade Loan (EFS-TL)

Grow your business with us

At a Glance

The Enterprise Financing Scheme (EFS) is a government risk-sharing scheme that helps SMEs obtain trade financing from DBS Bank. As announced in Budget 2024, enhancement to maximum loan quantum for EFS – Trade Loan at S$10 million will be extended until 31 March 2025.

Enhanced Subsidy

Maximum loan quantum raised from SGD 5mil to SGD 10mil per Borrower Group¹.
Risk share is at 50%
Beyond the period of this extension, the enhanced risk share of 70% will be maintained for young enterprises and enterprises trading in challenged markets

¹Borrower Group consist of the following:

Applicant company; and
Corporate Shareholders holding more than 50% shareholding at all levels up; and
Subsidiaries where the applicant company holds more than 50% shareholding and any subsequent subsidiaries all levels down.

Features & Benefits

Loan types	Maximum financing amount
Inventory / stock financing	Up to 100% of the purchase price
Structured pre-delivery working capital	Up to 100% of Letter of Credit or Letter of Confirmed Sales Order
Accounts Receivable Financing	Up to 100% of invoice value
Overseas Working Capital Loan	Up to 100% of aggregate amount of overseas trade related working capital loans granted by financial institutions outside of Singapore

Note: Interest rates, repayment, and collaterals depend on the business risk profile.