Working Capital Loan
Fund day-to-day operations — payroll, inventory, and supplier payments. EFS-supported up to S$500,000 with repayment up to 5 years. We match your business to regulated lenders, obligation-free.
Join the SME Waitlist →At a glance
What a working capital loan covers
A working capital loan funds the everyday running costs of your business — staff payroll, restocking inventory, and paying suppliers — so short-term cash-flow gaps never stall operations. Under Enterprise Singapore's Enterprise Financing Scheme (EFS), eligible SMEs can borrow up to S$500,000 with repayment terms up to 5 years, often at government-supported rates.
How Lendly matches you
Tell us about your business once — turnover, operating history, and how much you need. Lendly compares your profile against the eligibility criteria of regulated lenders, then surfaces the facilities you're most likely to qualify for. No hard credit check to compare, and you decide who to proceed with.
Typical eligibility
- Incorporated and operating in Singapore (sole proprietorship, LLP, or Pte Ltd)
- 6–24 months operating history (varies by lender)
- At least 30% local shareholding for EFS-assisted facilities
- Around S$200K+ annual turnover for most facilities
Indicative only. Eligibility, rates, and final approval are determined solely by the lender. T&Cs apply.
Ready to compare working capital options?
Lendly Business is in pilot — join the waitlist for early access.
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