The Enterprise Singapore Working Capital Loan (EFS-WCL) is a government-assisted financing scheme designed to help Small and Medium Enterprises (SMEs) in Singapore manage their daily operational cash flow needs. It falls under the broader Enterprise Financing Scheme (EFS), which offers various types of loans to support enterprises at different stages of growth.

A Business Term Loan is a traditional form of business financing where a bank or lender provides your business with a lump sum of capital upfront. Its primary purpose is to fund significant, long-term investments or substantial one-time expenses for your business.  

A "property cash-out" in Singapore, also commonly referred to as cash-out refinancing or a home equity loan, is a financial facility that allows a property owner to unlock the value (equity) tied up in their property and receive it as cash. Instead of selling the property, you leverage its value to get a new loan or a larger loan.

In today's dynamic business landscape, Mergers & Acquisitions (M&A) are powerful tools for growth, transformation, and value creation. Whether you're a business owner looking to sell, or a company aiming to expand through acquisition, the M&A journey is complex. At Maple Crest Capital, we are able to find that right person in guiding you through every step of this critical process, ensuring your objectives are met with precision and success.

Singapore has a robust ecosystem of government grants designed to support Small and Medium Enterprises (SMEs) at various stages of their growth journey. These grants aim to encourage productivity, innovation, digitalization, internationalization, and capability development. They are non-repayable, making them a very attractive funding option compared to loans.

Most of these grants are administered by government agencies like Enterprise Singapore (ESG) and the Infocomm Media Development Authority (IMDA), and many can be applied for through the Business Grants Portal (BGP).

1. Productivity Solutions Grant (PSG) 

2. Enterprise Development Grant (EDG) 

3. Market Readiness Assistance (MRA) Grant 

4. Energy Efficiency Grant (EEG) 

A Caveat Loan is a type of secured loan where a business or individual uses their existing property (residential, commercial, or industrial) as collateral, even if it already has an outstanding mortgage. The lender secures their interest by lodging a caveat against the property's title. 

A Personal Loan in Singapore is a type of unsecured loan that individuals can obtain from banks or licensed financial institutions. Unlike a home loan or car loan, it's not tied to a specific asset (like a house or car) as collateral. This means the lender assesses your creditworthiness based primarily on your income, credit history, and ability to repay.

Traditional loan applications require applicants (both individuals and businesses) to submit various documents, including income statements, tax returns, and bank statements, to verify their financial standing. This can be cumbersome and time-consuming.

Digital loans that don't require manual submission of bank statements

A "Trade Line" or Trade Finance Facility is a type of credit line provided by banks or financial institutions specifically to facilitate international trade transactions (imports and exports). It's designed to bridge the financial gap between when a business needs to pay its suppliers (often overseas) and when it receives payment from its customers.
A trade line essentially provides a business with credit instruments and short-term loans to cover the various stages of a trade cycle: