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Internationalization Finance Scheme of Singapore government helps business enterprises in Singapore to expand overseas. Find out more information on IF scheme.
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Internationalization Finance Scheme Singapore

Under Internationalization Finance (IF) Scheme of Singapore government any business enterprise that requires funds to expand overseas can avail of a loan of S$50 million to buy fixed assets and finance the overseas projects or orders. It is basically for Singapore based companies wanting to expand overseas. The Singapore-based company or its overseas subsidiary can apply directly for the loans.
Any Companies overseas expansion must:
  • Complement or be related to the Singapore business.
  • Result in economic spin-offs to Singapore. (e.g. jobs or R&D in Singapore).
The Companies group turnover cannot exceed the maximum amounts listed in the table below.
Type Of Company    
 Listed/Non Listed
 Maximum Group Turnover
Trading Company 
<S$500 million
Trading Company
<S$300 million
Non Trading Company
<S$300 million
Non Trading Company
<S$300 million
For What
The loan can be used to:
  • Buy fixed-assets that would be used overseas.
  • Raise working capital for secured overseas projects.
  • Raise working capital for confirmed overseas sales orders.
  • Issue banker's guarantee for secured overseas projects. 
Types of Loan
Types of Loan Facilities
Maximum Tenure
Maximum Quantum of Financing
Asset based financing                
·        Factories/Buildings/Land 
·            Other Fixed Assets
15 years
6 years             
Structured Loan  
3 years 
Banker's Guarantee     
5 years 
Interest Rates and Re-Payment
  • Interest rates, repayment structures and collateral requirements will be determined by the participating financial institutions. The interest rate may be fixed or floating.
  • Repayment period is also tailored to your needs.
Things to Note
  •  If the overseas subsidiary is applying for the scheme, the Singapore-based parent must be willing to put up a corporate guarantee.
  • The maximum loan amount of S$15 million is computed on a group basis i.e. S$15 million is the maximum amount the parent company and all its subsidiaries and associated companies can obtain under the scheme.

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