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Auntie Bee Choo is a seasoned tailor running a small shop in a HDB heartland, balancing her daily sewing work with managing her household expenses. This hub captures the essential government schemes, grants, and digital portals she relies on to keep her business running and her family secure.
Essential grants and digital tools to help a small business owner manage costs and stay relevant.
Productivity Solutions Grant (PSG) national · Enterprise Singapore
Who qualifies Local SMEs with at least 30% local shareholding.
What you get Up to 50% funding for pre-approved digital solutions like accounting software.
What it actually costs you Requires a Corppass account and valid quotation from pre-approved vendors.
Common gotcha You must apply before purchasing the software or equipment.
SkillsFuture Enterprise Credit (SFEC) national · SkillsFuture Singapore
Who qualifies Employers who have contributed CPF for at least 3 local employees.
What you get $10,000 credit to cover up to 90% of out-of-pocket expenses for training.
What it actually costs you Automatic eligibility check; no separate application needed.
Common gotcha Credit expires if not used within the specified window.
Digital Resilience Bonus national · IMDA
Who qualifies Businesses using PayNow Corporate and e-invoicing.
What you get Payouts for adopting digital business tools.
What it actually costs you Requires active PayNow Corporate registration.
Common gotcha Must be on the e-invoicing network (Peppol).
SME Working Capital Loan national · Enterprise Singapore
Who qualifies Singapore-registered SMEs.
What you get Government-assisted financing for cash flow needs.
What it actually costs you Subject to bank credit assessment.
Common gotcha Interest rates vary by participating financial institution.
E-Invoicing Registration Grant national · IMDA
Who qualifies Businesses registering on the Peppol network.
What you get $200 one-time payout.
What it actually costs you Registration with an Access Point provider.
Common gotcha Only for first-time registration.
BizFile+ Portal national · ACRA
Who qualifies All registered business owners.
What you get Platform for annual returns and business profile updates.
What it actually costs you Annual filing fees apply.
Common gotcha Late filing penalties are strictly enforced. Government payouts and rebates that help ease the burden of daily living expenses.
GST Voucher (GSTV) national · Ministry of Finance
Who qualifies Singaporeans aged 21 and above with low to moderate income.
What you get Annual cash payout and U-Save rebates.
What it actually costs you Automatic if you have filed income tax.
Common gotcha Ensure your NRIC is linked to PayNow for faster payout.
U-Save Rebates national · SP Group
Who qualifies HDB households.
What you get Quarterly rebates on utility bills.
What it actually costs you None; automatic deduction from bill.
Common gotcha It is credited to the main utility account holder.
S&CC Rebates national · Town Council
Who qualifies HDB households.
What you get Offset for monthly service and conservancy charges.
What it actually costs you None; automatic.
Common gotcha Only applies to HDB flats, not private property.
CDC Vouchers national · PA
Who qualifies All Singaporean households.
What you get Digital vouchers for heartland shops and supermarkets.
What it actually costs you None; claimed via Singpass.
Common gotcha Vouchers expire after a set period.
Assurance Package national · Ministry of Finance
Who qualifies All Singaporean adults.
What you get Cash payouts to help with cost of living.
What it actually costs you None; automatic.
Common gotcha Check your eligibility on the official portal.
MediSave Top-Up national · CPF Board
Who qualifies Eligible seniors.
What you get Annual top-up to MediSave account.
What it actually costs you None.
Common gotcha Check balance via CPF portal. Subsidies for medical care and screenings that ensure I can keep working without worry.
Community Health Assist Scheme (CHAS) national · MOH
Who qualifies Singaporeans based on household income or annual value of home.
What you get Subsidies for medical and dental care at GP clinics.
What it actually costs you None; just show your NRIC.
Common gotcha Must visit a CHAS-accredited clinic.
Pioneer Generation Package national · MOH
Who qualifies Singaporeans born in 1949 or earlier.
What you get Special subsidies for outpatient care.
What it actually costs you None.
Common gotcha Distinct from Merdeka Generation package.
Merdeka Generation Package national · MOH
Who qualifies Singaporeans born between 1950 and 1959.
What you get Additional subsidies for healthcare.
What it actually costs you None.
Common gotcha Check the eligibility criteria on the MOH website.
Screen for Life national · HPB
Who qualifies Eligible Singaporeans for health screenings.
What you get Subsidized health screenings for chronic diseases.
What it actually costs you Very low co-payment.
Common gotcha Requires a referral or appointment via the portal.
MediShield Life national · CPF Board
Who qualifies All Singaporeans.
What you get Basic health insurance for large hospital bills.
What it actually costs you Premiums payable via MediSave.
Common gotcha It is a mandatory scheme.
CareShield Life national · MOH
Who qualifies Singaporeans aged 30 and above.
What you get Long-term care insurance.
What it actually costs you Annual premiums.
Common gotcha Enrollment is automatic. Keeping my sewing skills updated and learning new digital tools to stay competitive.
SkillsFuture Credit national · SkillsFuture Singapore
Who qualifies Singaporeans aged 25 and above.
What you get $500 opening credit for approved courses.
What it actually costs you None; credit is provided by the government.
Common gotcha Credits do not expire, but use them for relevant skills.
Mid-Career Enhanced Subsidy national · SkillsFuture Singapore
Who qualifies Singaporeans aged 40 and above.
What you get Up to 90% subsidy for course fees.
What it actually costs you Remaining 10% fee.
Common gotcha Only for selected courses.
Training Allowance national · SkillsFuture Singapore
Who qualifies Participants in specific full-time courses.
What you get Hourly allowance during training.
What it actually costs you Time commitment.
Common gotcha Attendance requirements are strict.
National Silver Academy national · C3A
Who qualifies Seniors aged 50 and above.
What you get Subsidized courses for lifelong learning.
What it actually costs you Small course fee.
Common gotcha Check course availability on the portal.
SkillsFuture Work-Study national · SkillsFuture Singapore
Who qualifies Recent graduates or mid-career individuals.
What you get Structured training with job placement.
What it actually costs you Time.
Common gotcha Requires commitment to a specific employer.
SkillsFuture Series national · SkillsFuture Singapore
Who qualifies All Singaporeans.
What you get Short, modular courses in tech and digital skills.
What it actually costs you Course fees.
Common gotcha Check if your SkillsFuture credit covers it.
1states & territories — open one to see what it offers.
Singapore新加坡 Singapore offers a unique ecosystem of business grants and lifelong learning credits that help small-scale artisans like Auntie Bee Choo stay relevant in a high-tech retail market.
Enterprise Development Grant (EDG) state · Enterprise Singapore
Who qualifies Local SMEs with at least 30% local shareholding ready to upgrade business processes.
What you get Funding support of up to 50% of qualifying project costs for upgrading equipment or digital adoption.
What it actually costs you Requires a detailed business proposal and ACRA registration; long approval process.
Common gotcha Many tailors think it is only for big factories, but it applies to small shops upgrading sewing tech.
Digital Resilience Bonus state · IMDA
Who qualifies F&B and Retail businesses, including small tailoring shops, adopting digital solutions.
What you get Payouts of up to $10,000 for adopting PayNow Corporate and e-invoicing.
What it actually costs you Must sign up for approved digital solutions; requires digital literacy.
Common gotcha You must be registered for PayNow Corporate specifically, not just personal PayNow.
HDB Commercial Rental Rebate state · Housing & Development Board
Who qualifies Tenants of HDB-owned commercial properties.
What you get Periodic rental rebates or offsets during economic downturns.
What it actually costs you Automatic for eligible tenants; no application needed.
Common gotcha Does not apply if you are renting from a private landlord, even if the shop is in an HDB block.
SkillsFuture Enterprise Credit state · SkillsFuture Singapore
Who qualifies Employers who have contributed at least $750 in Skills Development Levy over the qualifying period.
What you get One-off $10,000 credit to cover up to 90% of out-of-pocket expenses for training staff.
What it actually costs you Need to track training expenses and submit claims via the portal.
Common gotcha The credit expires if not used within the stipulated time frame.
SkillsFuture Credit (Mid-Career) state · SkillsFuture Singapore
Who qualifies Singaporeans aged 40 and above.
What you get $4,000 in credits to pay for approved courses like fashion design or digital marketing.
What it actually costs you Singpass login; no cash outlay if course fee is fully covered.
Common gotcha Credits cannot be used for hobbyist classes, only accredited professional courses.
Majulah Package (Earn and Save Bonus) state · Ministry of Finance
Who qualifies Singaporeans born in 1973 or earlier with lower income or CPF balances.
What you get Annual CPF bonus of up to $1,000 to boost retirement savings.
What it actually costs you Automatic; must be working or contributing to CPF.
Common gotcha People often confuse this with the Silver Support Scheme.
CHAS Blue Card state · Ministry of Health
Who qualifies Singaporeans with household income below specific thresholds.
What you get Subsidized medical and dental care at participating GP and dental clinics.
What it actually costs you Application via CHAS portal; requires income proof.
Common gotcha You must visit a clinic that specifically displays the CHAS sticker.
Silver Support Scheme state · CPF Board
Who qualifies Seniors aged 65+ with low lifetime CPF contributions.
What you get Quarterly cash payouts ranging from $180 to $900.
What it actually costs you Automatic assessment based on HDB flat type and income.
Common gotcha If you move to a larger flat, you might lose eligibility.
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Our own metal · GDPR · DPDPA
