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SME Venture Loan (Venture Debt Programme)

This programme provides innovative and high-growth SMEs with access to alternative venture debt financing for business expansion.
Up to S$5 million venture debt financing1.

1. Enterprise Singapore (ESG) co-shares 50% of loan default risks with Participating Financial Institutions (PFIs) in the event that the company is unable to pay the loan.

You are:

  • A Singaporean SME seeking venture debt financing.


You need to:

  • Be registered and operating in Singapore;
  • Have at least 30% local shareholding;
  • Have a group annual sales of up to S$100 million or have up to 200 employees.
Critical information

Scope of work can cover:

  • Working Capital
  • Asset Financing
  • Project Financing
  • Mergers and Acquisitions.

The following will be determined by PFIs:

  • Interest rates
  • Repayment structures
  • Collateral 
  • Warrant structures (Warrants will be required).

Note: This programme has been extended for another 3 years from 1 April 2018 to 31 March 2021.

What to expect when applying


  • Ensure your business qualifies for the loan;
  • Consult any of the Participating Financial Institutions for advice and assistance;
  • Meet the financial institution with these supporting documents*.

Application Process:

  • Approach and submit the necessary supporting documents to any of the Participating Financial Institution (PFI);
  • PFIs will evaluate the application under the Loan Scheme, which is subject to the individual PFI's credit assessment;
  • Processing of the application(s) may take 3 weeks or more, depending on factors such as the size of the loan.

Application Approval:

  • After successful application, you will receive funds from the PFI;
  • Repayment typically starts 1 month after disbursement of the loan;
  • Please make repayments on time.

*Refer to "Documents you will need for your application" for details.

Documents you'll need for your application
  • Business profile from ACRA,
  • Audited accounts or certified financial statements,
  • Bank statements,
  • Personal income tax assessment of owners and directors,
  • Other documents as required by your banker or financial institution
Useful links
For more details: SME Venture Loan

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