On 29 July 2026, Singapore's Ministry of Finance announced that the Enterprise Financing Scheme - SME Working Capital Loan's government risk-share rises to 70% for all enterprises from 1 September 2026 to 31 March 2027, up from the standard 50% (young enterprises already get 70%). Loans run up to S$500,000 per borrower over a maximum 5-year tenure, administered by EnterpriseSG through participating financial institutions.
Home › Founders News › Gov & Employment
Singapore lifts SME Working Capital Loan risk-share to 70% for Sept 2026-Mar 2027
Why this matters for founders
Founders needing operating cash should route working-capital loan applications through a participating bank into the 1 Sep 2026-31 Mar 2027 window, when the government backstops 70% of default risk, making banks more likely to approve financing for younger, thinner-credit companies.
Source: EnterpriseSG
Related updates
More that helps you.
China raises SME subsidized loan cap to 75 million yuan, widens interest subsidy
On August 21, 2026 the Ministry of Finance, PBOC, and National Financial Regulatory Administration expanded the fiscal interest-subsidy program, effective August 1, 2026. The per-b…
DPIIT signs 5 MoUs giving DPIIT-recognised startups payments, cloud and investment perks
On August 8, 2026, DPIIT signed five strategic MoUs with Cashfree Payments, Vultr India, Cars24, Darwin Dynamics and the Council for Startup India. DPIIT-recognised startups get pr…
DPIIT signs 5 MoUs to give recognised startups payments, cloud and mentorship
On August 8, 2026, DPIIT signed strategic MoUs with five partners: Cashfree Payments, Vultr India, Cars24, Darwin Dynamics and the Council for Startup India. DPIIT-recognised start…
SBA doubles combined 7(a) and 504 loan cap to $10 million
Effective July 4, 2026, the SBA doubled the cumulative borrowing limit for businesses using both loan programs from $5 million to $10 million. Qualified borrowers can now access up…
Get briefs like this tuned to you.
In the app, Founder Briefs are personalized to your country, industry and stage, and you can save the ones that matter.
See plans →
Keep exploring
Related across the site
TermBootstrappingBuilding a company using your own money and the revenue it generates, rather than raising outside investment.TermBurn RateThe rate at which your company spends cash each month, showing how quickly you're depleting your bank balance.TermRunwayHow many months your company can keep operating before it runs out of cash, at its current spending rate.Case studyJack MaAlibabaCase studyReginald F. LewisTLC Beatrice InternationalChecklistBuild your own startup checklistStart from a blank template and add the steps that fit your business, then let your AI coaches review your plan.