project loans

Project Loan

To finance the fulfilment of overseas and local project

Project Loan

To finance the fulfilment of overseas and local project

At a Glance

Mid to long term financing for overseas and domestic1 projects


Finance working capital expenses/ issuance of guarantee facilities for secured overseas projects or confirmed sales orders


Loan can be on revolving or non-revolving basis

List of Eligible Products
  • Working Capital Loan
  • Factory / Building / Land (includes Purchase / Renovation / Construction)
  • Equipment / Machinery / Other Fixed Assets / Machinery Hire Purchase
  • Bills / Invoice Financing
  • Banker's Guarantee / Standby Letter of Credit
Eligibility Criteria
  • Be incorporated and operating in Singapore2.
  • At least 30% local equity held directly or indirectly by Singaporean(s) and/or Singapore PR(s), determined by the ultimate individual ownership, and
  • Have Group Annual Sales Turnover of not more than S$500 million.
  • 1Companies registered with SSIC codes beginning with 41,42 or 43 may apply for the enhanced EFS-PL to support domestic projects.

For the loan to be supported under EFS-PL, the additional criteria are required:

  • Fixed assets acquired are to discharge a contractual obligation under the project.
  • It must be for secured sales order and/or projects. It cannot be used solely for general working capital/operating expenses.

2ACRA registered Sole Proprietorship, Partnership, Limited Liability Partnerships and Companies are eligible to apply for the scheme. Approval of the loan is subject to the Bank’s assessment.

Maximum Loan Quantum

Up to S$50 million per borrower group3 for overseas projects
Up to S$30 million per borrower group for domestic projects

Maximum Repayment Period

Up to 15 years for Fixed Asset Loans

Up to 15 years for Working Capital Loan and Guarantee

There must be an underlying contract, secured sales order and/or projects tied to the fixed asset, working capital loan and guarantee.


3Borrower Group consists of the following: a. Borrower; and b. Corporate shareholders holding more than 50% at all levels up; and c. Subsidiaries where the Applicant company holds more than 50% shareholdings and subsequent subsidiaries at all levels down d. Subsidiaries where the Applicant’s Ultimate Parent Company holds more than 50% down shareholdings and its subsidiaries at all levels

How to Apply

Apply Now


Please call us at:

  • 1800 222 2200 (if you are in Singapore)
  • +65 6222 2200 (if overseas)