Business guides

Singapore Business Grants for SMEs: Schemes to Apply For, by Goal

An SME applies for EDGE, the single Enterprise Singapore grant open since 30 September 2026. Separate schemes cover AI, hiring, start-up capital, financing and tax. EDGE gives up to 70% support for SMEs within S$100,000 a year, per Enterprise Singapore as of 5 November 2026. EDG, PSG and MRA ceased on 29 September 2026. This guide maps Singapore business grants by what your business wants to do, with each scheme's rate, cap, eligibility and dates.

Accurate as of 5 November 2026. Every figure, date and rule on this page was checked against its source on that date, and the page is rechecked monthly.


EDGE replaces EDG, PSG and MRA with one grant of up to S$100,000 a year

An SME applies to EDGE for automation, digital solutions, overseas expansion and sustainability, and receives up to 70% support within a S$100,000 annual cap shared across all activities.

Enterprise Singapore lists seven named business areas: Automation & Digitalisation, Business Strategy, Financial Management, Innovation, Internationalisation, Standards and Sustainability. Support is paid on a reimbursement basis once an activity is complete and fully paid. The EDGE grant page covers the activities and application steps in depth. The two other Enterprise Singapore schemes below are not among the three that ceased.

SchemeWhat it supportsSupport rate and capWho qualifiesStatus or dates
EDGEAutomation and digitalisation, business strategy, financial management, innovation, internationalisation, standards, sustainabilityUp to 70% for SMEs and up to 50% for non-SMEs, rates vary by activity. S$100,000 a year across all activities, of which up to S$30,000 goes to single-function digital solutions, integrated enterprise systems and selected automationSingapore-registered business entities with at least 30% Singaporean and/or Singapore PR ownership, plus activity-specific requirementsOpen from 30 September 2026. Cap resets each 1 April
Business Adaptation Grant (BizAdapt)Advisory on trade agreements, legal matters and supply chains for firms hit by tariffs. Logistics and inventory reconfiguration for firms owning at least 51% of manufacturing operationsUp to 70% for SMEs and up to 50% for non-SMEs from 1 April 2026 to 6 October 2027. S$100,000 cap per enterpriseRegistered and operating in Singapore with at least 30% local equity. Exports to or operates in overseas markets. Activities 2 to 4 also require tariff impactEnhanced rates run to 6 October 2027. Retrospective applications are excluded
Global Innovation Alliance schemesOverseas expansion. Enterprise Singapore describes Launch programmes for new markets and Grow pathways for scalingUp to 70% for SMEs and up to 50% for non-SMEs from 1 April 2026 to 31 March 2029Eligibility is not stated on the Budget 2026 pageEnhanced support runs 1 April 2026 to 31 March 2029

Table: Enterprise Singapore schemes for businesses, with support rates, caps and end dates, as of 5 November 2026.

Source: Enterprise Singapore, November 2026

Source: Enterprise Singapore, November 2026

Source: Enterprise Singapore, November 2026

Source: Enterprise Singapore, November 2026

Source: Enterprise Singapore, November 2026

How much spend reaches the EDGE annual cap?

An SME at the top 70% rate reaches the S$100,000 cap at about S$142,857 of qualifying spend, and a non-SME at 50% reaches it at S$200,000.

Enterprise Singapore states that rates vary by activity, so the top rates give the lowest spend that exhausts the cap. Spend beyond the cap earns no further EDGE support in that year, and the cap resets on 1 April.

Company typeTop support rateAnnual capQualifying spend at the capArithmetic
SME70%S$100,000S$142,857100,000 ÷ 0.70
Non-SME50%S$100,000S$200,000100,000 ÷ 0.50

Table: qualifying spend at which grant support reaches the S$100,000 annual cap, derived from Enterprise Singapore's published rates, as of 5 November 2026.

Source: Enterprise Singapore, November 2026

Does the EDGE name stand for anything?

EDGE is not an acronym, and Enterprise Singapore states that the name signals support that gives enterprises an edge over competitors.

Source: Enterprise Singapore, November 2026

Singapore's AI schemes give tax deductions, consultancy support and software funding

An SME gets a 400% tax deduction on up to S$50,000 of qualifying AI spend a year for YA2027 and YA2028, and established firms add consultancy support through Champions of AI and the Enterprise Compute Initiative.

Budget 2026 expanded PSG to AI-enabled solutions at up to 50% of eligible costs before PSG ceased on 29 September 2026. The Enterprise Singapore EDGE page and FAQ checked do not name AI-enabled solutions, so digital projects now sit under the EDGE digital solutions limit of S$30,000 within the annual cap. No verified scheme restricts support to generative AI by name.

SchemeWhat it supportsSupport rate and capWho qualifiesStatus or dates
Enterprise Innovation Scheme, AI deductionTax deduction for qualifying AI expenditure400% deduction on up to S$50,000 of qualifying AI expenditure a yearSole proprietorships, partnerships, companies (including registered business trusts) and registered branches or subsidiaries of a foreign parent, with active operations in Singapore and spend incurred in the basis periodYA2027 and YA2028. No separate application
Champions of AITransformation roadmaps, priority AI projects, change management, workforce training, an in-house AI team and expert partnersNo amounts stated on the Budget 2026 pageLeading Singapore-based companies. Interested companies register through a formAnnounced at Budget 2026 by Enterprise Singapore and Digital Industry Singapore
Enterprise Compute InitiativeCloud credits from Google Cloud, Microsoft or Amazon Web Services, plus consultancy to build a minimum viable product70% of actual consulting costs, capped at S$105,000 per company. Total supportable consulting cost is capped at S$150,000At least 10 staff in Singapore, a tech team of two or more, prior experience building a custom AI solution, accessible datasets and CEO sponsorshipS$150 million set aside at Budget 2025. The DISG page was updated 17 July 2026 and does not state whether applications are open

Table: AI adoption schemes for Singapore businesses, with rates, caps and eligibility, as of 5 November 2026.

Source: Singapore Budget 2026, November 2026

Source: MOF, November 2026

Source: Digital Industry Singapore, November 2026

Does generative AI spending qualify for the 400% deduction?

The Budget 2026 and Finance Bill texts do not define qualifying AI expenditure, so confirm the definition with IRAS before committing spend.

The Budget statement adds AI expenditure as a qualifying activity under the Enterprise Innovation Scheme for YA2027 and YA2028, capped at S$50,000 per year of assessment. None of the primary pages read names generative AI tools, licences or subscriptions.

The 400% rate applies to the first S$50,000 only. A business with S$50,000 of qualifying AI spend in a year of assessment claims 400% × S$50,000 = S$200,000 of deductions. A business with S$80,000 of qualifying spend claims the same S$200,000, because the extra S$30,000 sits above the cap.

Source: Singapore Budget 2026, November 2026

Who qualifies for the Enterprise Compute Initiative?

A company needs at least 10 staff in Singapore, a technology team of two or more and prior experience building a custom AI solution to qualify.

The programme suits firms that already build AI, not first-time adopters. A parent entity does not enrol subsidiaries as separate participants, and gambling and betting companies are excluded. Participants commit manpower and technical resources for up to six months and deliver a minimum viable product plus change management processes.

Source: Digital Industry Singapore, November 2026

Workforce schemes fund job redesign, training credit and wages for senior workers

An SME with at least three Singapore Citizen or PR employees receives up to 70% of job redesign project costs under WDG(JR+), capped at S$150,000 per enterprise, per WSG as of March 2026.

WDG(JR+) rolled out in March 2026 and replaced PSG-JR, which offered up to 50% for SMEs capped at S$30,000. Employers apply for the SkillsFuture Workforce Development Grant family through one channel, the Business Grants Portal. The Singapore employment law guide covers the contract and statutory side of the same hires.

SchemeWhat it supportsSupport rate and capWho qualifiesStatus or dates
WDG(JR+)Workforce consultancy, capability building and workforce tech solutionsUp to 70% for SMEs and up to 50% for non-SMEs. S$150,000 per enterprise. Component limits of S$50,000, S$60,000 and S$90,000Registered or incorporated and operating in Singapore with at least three local employeesRolled out March 2026. Phased rollout of the wider WDG from 2026
SkillsFuture Enterprise Credit (current)Enterprise and workforce transformation programmes and coursesOne-off S$10,000 credit. Up to S$7,000 for enterprise transformation. Supports up to 90% of out-of-pocket expensesEmployers already notified. No applicationExpires 30 November 2026. Unused credit is forfeited
Redesigned SkillsFuture Enterprise CreditImmediate offset of out-of-pocket costs for eligible workforce transformation initiatives and coursesFresh S$10,000 credit in an online walletCompanies with at least three resident employees (Singapore Citizens or PRs)From 1 December 2026, administered by WSG
Progressive Wage Credit SchemeCo-funding of qualifying wage increases30% co-funding. Qualifying wage increase rises from S$100 to S$200 from 2027MOM's release does not state coverage or the wage ceilingExtended to 2028
Senior Employment CreditWage support for older workersTop tier of 7% for workers aged 69 and above. Other tiers are not stated in the releaseEmployers of senior workers. Retirement and re-employment ages rise to 64 and 69 on 1 July 2026Extended until December 2027
CPF Transition OffsetOffsets part of the increase in employer CPF contributions50% of the increase in employer CPF contributions in 2027Not stated in the releaseExtended to December 2027

Table: workforce and hiring schemes for Singapore employers, with rates, caps and dates, as of 5 November 2026.

Source: MOM, November 2026

Source: WSG, November 2026

Source: Enterprise Singapore, November 2026

Source: Enterprise Singapore, November 2026

MOM also raised the Local Qualifying Salary from S$1,600 to S$1,800 from 1 July 2026.

What happens to unused SkillsFuture Enterprise Credit when the current scheme expires?

Unused credit is forfeited when the current scheme expires on 30 November 2026, and final claims for supported programmes are due by the same date.

Enterprise Singapore states that the redesigned credit starts on 1 December 2026 under WSG. Programmes supported by the current credit need their final claims submitted to the agencies that run them before the expiry.

Source: Enterprise Singapore, November 2026

How does the WDG(JR+) cap compare with its component limits?

The three component limits add to S$200,000, which is S$50,000 above the S$150,000 per-enterprise cap, and the WSG factsheet does not state how they interact.

The arithmetic is S$50,000 + S$60,000 + S$90,000 = S$200,000, and S$200,000 − S$150,000 = S$50,000. Capability building has to be bundled with workforce consultancy or workforce tech solutions. At the 70% SME rate, S$150,000 of grant corresponds to about S$214,286 of project cost (150,000 ÷ 0.70). Confirm the component rules with WSG before budgeting all three components.

Source: WSG, November 2026

Startup SG Equity puts S$1 billion of public money behind deep tech start-ups

S$1 billion is set aside to top up Startup SG Equity, which Enterprise Singapore and EDB run to co-invest in early-stage deep tech start-ups and invest directly in growth-stage ones.

The scheme began in 2017 and shifted to patient capital for deep tech start-ups in 2020. The government has invested more than S$560 million and catalysed more than S$2.6 billion of private investment, per Enterprise Singapore's March 2026 release.

SchemeWhat it supportsSupport rate and capWho qualifiesStatus or dates
Startup SG Equity, early-stage co-investmentEquity co-investment in early-stage deep tech start-upsGovernment co-invests alongside independent, qualified third-party investors at established ratios. Ratios and amounts are not statedSingapore-based deep tech start-ups with strong technological capabilities and differentiated or proprietary research-based IPS$1 billion top-up announced with Budget 2026
Startup SG Equity, growth-stage direct investmentDirect equity in selected growth-stage deep tech start-upsSG Growth Capital invests alongside credible third-party investors. Amounts are not statedGrowth-stage deep tech start-ups in domains of high economic and strategic relevance to SingaporeNew modality in the March 2026 release. No date stated
Startup SG Equity, Fund-of-FundsInvestment in selected venture capital firms that back later-stage companiesAmounts are not statedVenture capital firms committed to Singapore-based deep tech start-upsExpanded in the March 2026 release

Table: Startup SG Equity investment routes for Singapore deep tech start-ups, as of 5 November 2026.

Source: Enterprise Singapore, November 2026

Source: Enterprise Singapore, November 2026

Which start-up schemes does this map leave out?

This map omits Startup SG Founder and Startup SG Tech because Enterprise Singapore's pages for them were not readable on 5 November 2026.

Older guides quote conflicting amounts for Startup SG Founder, so confirm the grant amount, matching ratio and eligibility at Enterprise Singapore before relying on any figure.

Financing and tax schemes cut loan risk and the corporate tax bill

A company receives a 50% rebate on YA2026 corporate tax up to S$40,000 and accesses Enterprise Financing Scheme facilities of up to S$50 million per borrower group from 1 April 2026.

The tax filing guide covers how a company files with IRAS.

SchemeWhat it supportsSupport rate and capWho qualifiesStatus or dates
Enterprise Financing SchemeSeven loan types: green, working capital, fixed asset, venture debt, trade, project and mergers and acquisitions. The M&A loan covers domestic and overseas dealsFacilities up to S$50 million per borrower group. Enterprise Singapore shares the default risk with participating financial institutions. Risk-share percentages are not statedCriteria are set per loan type on Enterprise Singapore's scheme pagesEnhanced from 1 April 2026
Corporate Income Tax Rebate and Cash Grant50% rebate of corporate tax payableS$40,000 maximum benefit per company. Minimum benefit S$2,000Active companies that employed at least one local employee in calendar year 2025 receive the minimum cash grantYA2026. Clause 31 of the Finance (Income Taxes) Bill
Double Tax Deduction for InternationalisationQualifying internationalisation activitiesCap raised to S$400,000. The rate is not stated on the Enterprise Singapore pageNot stated on the Enterprise Singapore pageMore qualifying activities eligible from YA2027

Table: financing and tax schemes for Singapore companies, with rates, caps and dates, as of 5 November 2026.

Source: Enterprise Singapore, November 2026

Source: Enterprise Singapore, November 2026

Source: MOF, November 2026

Source: MOF, November 2026

How large is the corporate tax rebate?

A company with S$80,000 or more of tax payable receives the full S$40,000 rebate, because 50% of S$80,000 equals S$40,000.

The rebate was raised from 40% to 50% and the cap from S$30,000 to S$40,000 for YA2026, with the minimum benefit raised from S$1,500 to S$2,000.

Tax payable50% of tax payableCapCap reachedRebate received
S$20,000S$10,000S$40,000NoS$10,000
S$60,000S$30,000S$40,000NoS$30,000
S$80,000S$40,000S$40,000ExactlyS$40,000
S$120,000S$60,000S$40,000YesS$40,000

Table: worked examples of the YA2026 corporate income tax rebate at 50% with a S$40,000 cap, derived from published rates, as of 5 November 2026.

Source: MTI, November 2026

Source: MOF, November 2026

Sustainability schemes fund energy-saving equipment and green loans

An SME receives up to 70% support for pre-approved energy-efficient equipment under the Energy Efficiency Grant base tier, capped at S$30,000 per company, and the base tier runs to 31 March 2028. Enterprise Singapore's grant page states that the base tier is open to all sectors, and that the advanced tier for selected sectors runs until 31 March 2027 with a S$350,000 cap across both tiers. The two end dates found in earlier sources belong to different tiers.

SchemeWhat it supportsSupport rate and capWho qualifiesStatus or dates
Energy Efficiency GrantEnergy-efficient equipment. Base tier expanded to all sectorsBase tier: up to 70% for SMEs and 30% for non-SMEs, capped at S$30,000 per company. Advanced tier: up to S$350,000 across both tiersRegistered in Singapore with at least 30% local shareholding; advanced tier for selected sectorsBase tier to 31 March 2028; advanced tier to 31 March 2027
Enterprise Financing Scheme, GreenLoans for enterprises that develop or adopt green solutionsWithin the Enterprise Financing Scheme limit of S$50 million per borrower groupCriteria are set on Enterprise Singapore's scheme pageExtended until 31 March 2031
EDGE, Sustainability business areaSustainability activitiesUp to 70% for SMEs and up to 50% for non-SMEs, rates vary by activity. Shared S$100,000 annual capAt least 30% Singaporean and/or Singapore PR ownershipOpen from 30 September 2026

Table: sustainability and energy schemes for Singapore businesses, with rates and end dates, as of 5 November 2026.

Source: MTI, November 2026

Source: Enterprise Singapore, November 2026

Source: Enterprise Singapore, November 2026

Cut-off dates decide which grant to claim first

The first cut-off is 30 November 2026, when the current SkillsFuture Enterprise Credit expires, and the last is 31 March 2031, when the green financing extension ends.

DateSchemeAgencyWhat happensAction
30 November 2026SkillsFuture Enterprise Credit (current)Enterprise SingaporeCredit expires and unused credit is forfeited. Final claims are dueSubmit final claims for supported programmes
1 December 2026Redesigned SkillsFuture Enterprise CreditWSG and Enterprise SingaporeStarts under WSGCheck WSG's website for programme details
1 April 2027EDGEEnterprise SingaporeAnnual S$100,000 cap resetsPlan the next year's activities
YA2027 and YA2028Enterprise Innovation Scheme, AI deductionMOF400% deduction on up to S$50,000 of qualifying AI spend a yearKeep records of AI spend in each basis period
6 October 2027Business Adaptation GrantEnterprise SingaporeEnhanced support endsApply before the project starts
December 2027Senior Employment Credit and CPF Transition OffsetMOMBoth extensions endPlan senior hiring and CPF costs against the end date
31 March 2028Energy Efficiency Grant, base tierEnterprise SingaporeBase tier endsApply before this date
31 March 2029Global Innovation Alliance schemesEnterprise SingaporeEnhanced support endsTime overseas projects inside the window
31 March 2031Enterprise Financing Scheme, GreenEnterprise SingaporeExtension endsTime green loan drawdowns inside the window

Table: dated cut-offs across the schemes in this guide, in date order, as of 5 November 2026.

Source: Enterprise Singapore, November 2026

Source: Enterprise Singapore, November 2026

Source: MOM, November 2026

Source: Singapore Budget 2026, November 2026

PSG, EDG and MRA folded into EDGE, and projects approved earlier continue

Applications to PSG, EDG and MRA ceased in September 2026, applications filed before then keep their old rules, and running projects continue to claim as before.

Enterprise Singapore's EDGE page states that EDG, MRA and PSG ceased on 29 September 2026, and its FAQ states that no new application is accepted after 30 September 2026. The job redesign part of PSG moved to WSG as WDG(JR+) in March 2026.

Your situationScheme affectedWhat Enterprise Singapore statesWhere support sits nowDate
Applied before the cut-offEDG, MRA, PSGApplications are assessed under the existing scheme requirementsThe original schemeBefore 30 September 2026
Project already approvedEDG, MRA, PSGOngoing projects are not affected and continue to claim disbursementThe original schemeOngoing
Need new supportEDG, MRA, PSGNo new applications to the three schemesEDGEFrom 30 September 2026
Received EDG, MRA or PSG earlierEDG, MRA, PSGEarlier applicants and recipients are able to apply for EDGEEDGEFrom 30 September 2026
Job redesign projectPSGPSG-JR is replacedWDG(JR+) through WSGMarch 2026
SkillsFuture Enterprise Credit programmeSkillsFuture Enterprise CreditFinal claims are due and EDGE is not supportable under the creditCurrent credit, then redesigned credit30 November 2026

Table: what happened to each type of PSG, EDG and MRA application, as of 5 November 2026.

Source: Enterprise Singapore, November 2026

Source: Enterprise Singapore, November 2026

Source: WSG, November 2026

A four-point eligibility check narrows the list before any application

Check ownership, company size, spend timing and dates in that order, then match your goal to the scheme in the decision table.

Aemorph is an SEO agency and does not administer or advise on grants. Every figure in this guide links to the agency that publishes it.

Which ownership and size rules apply?

EDGE and BizAdapt require at least 30% Singaporean or PR ownership, WDG(JR+) requires at least three local employees, and the Enterprise Compute Initiative requires at least 10 staff in Singapore.

Check the ownership rule against the ultimate individual owners, because BizAdapt tests local equity held directly or indirectly by Singaporeans and PRs. Check the SME or non-SME label too, because the support rate differs between the two.

Source: Enterprise Singapore, November 2026

Source: Enterprise Singapore, November 2026

Where do you apply, and when?

Employers apply for WDG(JR+) and BizAdapt through the Business Grants Portal, and BizAdapt excludes any project started, paid for or contracted before submission.

BizAdapt applications are filed with Corppass no more than six months before the project start date, so apply before committing to a vendor. EDGE pays by reimbursement after the activity is complete and fully paid, so budget the full cash cost first. Enterprise Singapore's EDGE page does not state application steps, so read it for the current route.

Source: Enterprise Singapore, November 2026

Source: WSG, November 2026

Which scheme matches your goal?

Buying software points to EDGE, AI spend points to the tax deduction, hiring points to WSG and MOM schemes, and borrowing points to the Enterprise Financing Scheme.

GoalStart withAgencyCheck firstCut-off
Buy software or automateEDGE, Automation & DigitalisationEnterprise SingaporeAt least 30% Singaporean or PR ownership. Digital solutions limit of S$30,000Annual cap resets 1 April
Claim tax relief on AI toolsEnterprise Innovation Scheme AI deductionMOFActive operations in Singapore. IRAS definition of qualifying AI expenditureYA2027 and YA2028
Build an AI team or roadmapEnterprise Compute Initiative or Champions of AIDigital Industry Singapore and Enterprise SingaporeAt least 10 staff and a tech team of two or more for the InitiativeDISG page, updated 17 July 2026
Redesign jobsWDG(JR+)WSGAt least three local employeesRolled out March 2026
Train staffRedesigned SkillsFuture Enterprise CreditWSGAt least three resident employeesStarts 1 December 2026
Hire or retain senior workersSenior Employment CreditMOMWorker age tiers. Top tier at age 69 and aboveDecember 2027
Absorb higher employer CPF contributionsCPF Transition OffsetMOMCoverage is not stated in the MOM releaseDecember 2027
Expand overseasEDGE Internationalisation or Global Innovation Alliance schemesEnterprise SingaporeOwnership rule. SME or non-SME rate31 March 2029 for the Alliance schemes
Absorb tariff impactBusiness Adaptation GrantEnterprise SingaporeTariff impact and overseas operations6 October 2027
Borrow for growthEnterprise Financing SchemeEnterprise SingaporeLoan type and participating financial institutionFrom 1 April 2026
Lower the tax billCorporate Income Tax RebateMOFActive company with a local employee in 2025YA2026
Cut energy costsEnergy Efficiency GrantMTI and Enterprise SingaporeEquipment type and scheme end dateBase tier to 31 March 2028
Raise equity for deep techStartup SG EquityEnterprise Singapore and EDBResearch-based IP and deep tech fieldS$1 billion top-up, no date stated

Table: decision guide matching a business goal to the scheme, the first eligibility check and the cut-off, as of 5 November 2026.

Source: Enterprise Singapore, November 2026

Source: Digital Industry Singapore, November 2026

General guidance as of 5 November 2026, not legal advice.

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