| Our Services | SME Trade Loan
SME Trade Loan
Power Your Trade, Strengthen Your Business
Whether you’re an SME handling domestic trade or managing complex cross-border transactions, the SME Trade Loan provides fast, reliable financing. Cover trade expenses, finance inventory purchases, and support your supply chain with a facility tailored to your needs.
Loan Feature At A Glance
Finance for the trading of goods and services.
Trade limit - Up to $10,000,000.00
The borrowing exposure loan is capped at per company or at the group related company.
Insurance premium - Subsidy up to 50%
The Supplementary budget in April, the insurance premium is subsidized up to 80% till 31-March-2022.
Financing value - Up to 100% purchase
Up to 100% of the aggregate amount of domestic and overseas trade-related working capital loan.
Security - No collateral is required
No collateral is needed, as the loan is on a 90:10 risk-sharing basis between government and the PFIs.
Tenure term - Up to 120 days tenor
From the import of goods until receipts of proceeds from the customers to settle the outstanding bills.
What you need to know
The SME Trade Loan is built to close cash flow gaps that arise from long payment terms and upfront supplier costs. By using this facility, businesses can stay competitive, meet demand, and scale trade confidently.
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Eligibility
The pre-requisite criteria.
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Registered company in Singapore
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At least 30% local shareholding (Singaporean or PR)
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Annual sales turnover of up to S$100 million OR employment size of up to 200 staff
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Healthy credit history and business track record
Perfect for Businesses
The loan is ideal for:
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Financing import/export transactions
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Paying overseas or local suppliers promptly
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Covering shipping, logistics, and customs expenses
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Managing trade receivables and cash flow gaps
You’re in Good Hands
With nearly 20 years of experience in corporate financing, we’ve supported countless SMEs across industries like F&B, logistics, manufacturing, and trading. Our expertise and network of financial partners ensure you receive the right trade loan solution, tailored to your needs.
Let's build the success together
At SME Financial Services, we believe success is never built alone — it’s achieved through trusted partnerships, tailored financial strategies, and long-term commitment. By working closely with your business, we create the right foundation to unlock growth, strengthen resilience, and achieve sustainable success in Singapore and beyond.
2,650+ Cases
Over 2,650 entrepreneurs benefited from our specialized financial solutions.
85 Percent
Professional services yield an 85% satisfaction rate among our regular customers.
20+ Years
With two decades of expertise, we address financial challenges and add value.
> S$1,350Mil +
We arrange more than $1,350 million in business loans for our SME customers.