Service
SME business loan help in Singapore
The short answer
We help Singapore SMEs get loan-ready. We review your accounts, prepare the documents banks ask for, explain schemes such as the Enterprise Financing Scheme, and support your application. We are not a lender: the bank decides on approval, amount and rate.
What we do
Loan-readiness check of your accounts and filings
Management accounts and a simple cash flow summary
Document checklist and a complete application pack
Guidance on which scheme or facility fits your need
Support through the bank’s questions after you apply
Because we also keep books and filings (accounting, corporate secretarial), the records banks ask for are already in order.
Key facts: EFS Working Capital Loan
Maximum loan
S$500,000 per borrower
Repayment period
Up to 5 years
Enterprise Singapore risk-share
50%. 70% for young enterprises. 70% for all enterprises from 1 Sep 2026 to 31 Mar 2027
Who can apply
Businesses registered and operating in Singapore, at least 30% local equity, group sales up to S$500 million
Interest rate
Set by the participating lender
Repayment
You repay 100% of the loan
How it works
Quick review. Send your latest accounts and tell us the amount and purpose.
Prepare. We fix gaps in records, build the pack and agree which lenders to approach.
Apply and follow up. You apply with the pack ready. We help you answer the lender’s questions.
Read the full guide: SME working capital loan in Singapore: requirements and how to apply. Government grants may also suit your plans. Ask us and we will point you to the official portal.
Questions we often hear
Are you a lender?
No. We help you prepare and apply. The bank or financial institution decides on approval, amount and interest rate.
Can you guarantee my loan will be approved?
No one can. Approval is the lender’s decision. We help you present a complete, accurate application so the lender has what it needs.
What is the EFS Working Capital Loan?
It is a scheme where Enterprise Singapore shares the lender’s risk on working capital loans to SMEs, up to S$500,000 per borrower over up to 5 years. You apply through a participating bank or financial institution.
What documents will a bank ask for?
Each lender sets its own list. Commonly this includes your ACRA business profile, recent financial statements, bank statements and details of the directors and shareholders. We tell you what to expect before you apply.
Related: accounting and bookkeeping · corporate secretarial · guide: SME working capital loan: requirements.
Talk to Cosmic Division
Tell us the amount, the purpose and how long you have been trading. We reply with what to prepare and a fixed quote for our help.