The Enterprise Financing Scheme (EFS) is a government risk-sharing scheme that helps SMEs obtain trade financing amount of up to S$10 million, with a maximum repayment of one year. 
(Note: Borrowers are subject to an overall borrower group¹ limit of S$20 million for EFS-TL.)

¹Borrower Group consist of the following:

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