DBS Enterprise Financing Scheme for Your Trade Financing Needs
- Loans
- Working Capital
- Enterprise Financing Scheme
Enterprise Financing Scheme
Trade Loan (EFS-TL)
Grow your business with us
- Loans
- Working Capital
- Enterprise Financing Scheme
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 during the Solidarity Budget 2020, the EFS-TL has been further supplemented as a way to continue supporting enterprises' trade financing needs.

Enhanced Subsidy
- Maximum loan quantum raised from SGD 5mil to SGD 10mil per Borrower Group1.
- Increase in risk share to 90% (from 50% to 70% for young companies) for new applications initiated between 8 Apr 2020 to 31 Mar 2021.
- Extension of the enhanced subsidy (EFS-TL) so businesses can apply from now until 30 Sep 2021.
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.
Eligibility Criteria
Enhanced EFS-TL will be available to enterprises from all industries subject to:
- Be incorporated and operating in Singapore;
- Have at least 30% local shareholding2; and
- Have Group Annual Sales Turnover of not more than SGD 500mil
2Local Shareholder refers to the ordinary shares held by Singapore Citizens or Permanent Resident
How to Apply
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