EFS is a series of schemes not a loan type. For example. The "SME Fixed Asset" is essentially a
scheme for 3 types of loans: Hire Purchase, Construction Loan and Property/Land Loan. While the
"Project loan" also has construction loan, it is meant for construction enterprise, in other words a
scheme for the construction industry. Please visit ESG's website for the most updated information.
We included it as a loan type on this page as many users are used to looking for it as a "loan type".
Please instead continue by selecting the actual loan type that you are looking for. And if you like to,
you can get a quote from other non-Participating Financial Institutes as well. This can be done on the
Select Financing Partner page, where you can decide which lender you would like to enquire with. Or
only to Participating Financial Institutes who may offer a different/better set of terms due to the risk
sharing with Enterprise Singapore but may also have more stringent criteria as a result.