SME Working Capital Loan

To help SMEs access more funds for their business, Enterprise Singapore has introduced the SME Working Capital Loan Programme jointly with Maybank as one of the Participating Financial Institutions (PFIs).

With no collateral required, SME Working Capital Loan provides an alternative financing option to allow local enterprises easy access to cash flow through Maybank SME Banking so that you can focus on developing your business to its fullest potential. Companies can now apply for the loan to fund their daily operations, enhance process flow and develop new product lines.


  • Loan Quantum of up to S$300,000
  • Repayment Period of up to 5 years Loan


The SME Working Capital Loan will be made available to companies that meet the following criteria:

  • Company registered and operating in Singapore
  • At least 30% local shareholding
  • Group annual sales1 of <= S$100m or group employment size <= 200
1Annual sales turnover and employment size will be computed on a group basis (i.e. All levels up for corporate shareholders holding > 50% of total shareholding of the applicant company and any subsequent corporate parents, and subsidiaries all levels down).

Required documents

  • Last 2 years' audited accounts or certified financial statements (if applicable)
  • Last 6 months' bank statements.
  • Copy of NRIC (front and back) of owners/directors/partners/sole proprietor/guarantor(s)
  • Latest personal Income Tax Notice of Assessment of owners/directors/partners/sole proprietor/guarantor(s)

Please refer to the Application Form for the complete list of required documents.

To apply, simply complete the LEFS Application Form (PDF) and SME Banking Consent Form (PDF), and send them in with the required documents.

For more information, call our Business Banking hotline 1800-777 0022, , or request a call back with our Business Development Managers today.

Next steps

Call Us (New/Existing Customers)

Business Banking Hotline 1800 777 0022
(65) 6777 0022
(Calling from Overseas)

Monday to Friday
(exclude public holidays)
9.00am to 6.00pm

Make an appointment

Request for call back via eAppointment form
SMS to 79898 in this format
e.g. RSME Andy Lau 1234567Z

Open a Business Current Account online

eApplication form


Apply for a loan (via email)

Download the
SME Banking Consent Form (PDF)

LEFS Application Form (PDF)

Submit via email at smebanking@

together with all your guarantors' NRIC, financial statements for the last 2 years and bank statement for the last 6 months

Apply at our branch

Find us at a location near you

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