I have unused SkillsFuture Enterprise Credit. What can I still use it for before 30 November 2026?

Your current SkillsFuture Enterprise Credit (SFEC) can still pay for up to 90% of the out-of-pocket cost of SFEC-supportable programmes, but only until 30 November 2026. For training, the course run must be completed by that date, not just started. Check your balance by logging in with Corppass to the SkillsFuture for Business page (training) or the Business Grants Portal (PSG, EDG, MRA). Anything left on 1 December 2026 is lost and does not carry over to the new SFEC.

Checked against Enterprise Singapore, SSG and MOM sources on 18 October 2026. This is general information, not financial or legal advice.

The dates that matter

Six weeks is not long. The single most important rule comes from SSG's Information Memorandum EED/2026/1: for an enrolment to use the current SFEC, "the course run of the enrolment will need to be completed on or before 30 November 2026". A course that starts on 25 November and ends on 2 December does not qualify.

Step 1: check your balance

You need a Corppass login for your company. Enterprise Singapore points to two places, depending on what you used the credit for:

• Enterprise programmes (PSG, EDG, MRA and others): log in to the Business Grants Portal.
• Workforce programmes (training courses, job redesign and similar): log in to the SkillsFuture for Business page.

Remember the S$7,000 limit. Only up to S$7,000 of the S$10,000 can ever go on enterprise transformation. The rest is ring-fenced for workforce transformation, which has no separate cap. So if you used S$7,000 on a PSG solution in an earlier year, you can still have up to S$3,000 for training.

The credit is per entity. If your preschool group or tuition business runs several separately registered companies, check each one. If you are not sure whether you were ever eligible, Enterprise Singapore notified eligible employers by email to their registered Corppass administrators.

Step 2: decide what can realistically finish in time

In theory, the current SFEC covers a long list. Enterprise Singapore lists enterprise programmes such as PSG, EDG and MRA, and workforce programmes such as Skills Framework-aligned training courses, Career Conversion Programmes, job redesign initiatives and NACE training programmes.

In practice, with weeks left, the options narrow. A brand-new grant application is unlikely to be approved, delivered and claimed by 30 November. What usually still works is:

1. Short training courses that are SFEC-eligible and whose course run ends on or before 30 November.
2. Final claims on projects you already have approved, such as a PSG solution that is installed but not yet claimed. Submit the final claim by 30 November.

For an education business, short training is often the simplest use. That might mean courses for teachers, centre managers or admin staff, as long as the course is listed as SFEC-eligible.

Step 3: confirm the course is SFEC-eligible before you enrol

Not every course qualifies. Enterprise Singapore's FAQ says to check SSG's course directory to verify that a course is SFEC-eligible before enrolling. Three conditions catch people out:

• The employer must pay. The course fee has to be invoiced to and paid by the employer, not the employee.
• GST is not covered. The SFEC works on the out-of-pocket fee before GST.
• The base subsidy comes first. SFEC covers up to 90% of what is left after SSG's course fee subsidy.

Enterprise Singapore's own worked example: a S$1,000 course with a 90% SSG course fee subsidy leaves S$100 out of pocket for the employer. The SFEC then pays 90% of that, which is S$90. The actual subsidy for your staff depends on the course and on each employee's eligibility, so check with the training provider.

Step 4: know how the money comes back

The current SFEC is a reimbursement, not an upfront discount. You pay the course fee first.

• Singapore Citizen and PR employees: there is no separate SFEC claim. SSG works out the SFEC from your enrolment records once its course fee grant is approved, using whatever SFEC balance you have left.
• Foreign employees: SFEC can support their training too, but you must submit the SFEC claim yourself in SSG's SFEC system on or before 30 November 2026. (SSG's memo excludes LTVP+ holders from this separate-claim route.)
• Payment: the SFEC is paid to your company's GIRO arrangement with IRAS or to your Corporate PayNow account. Enterprise Singapore says disbursements are made quarterly.

A simple checklist for this week

1. Log in with Corppass and note the remaining balance, for each registered entity.
2. List the staff who would benefit most from a short course.
3. Shortlist courses that are SFEC-eligible in SSG's course directory and that end on or before 30 November 2026.
4. Enrol through the company, so the invoice is in the company's name.
5. For any foreign staff, diarise the separate SFEC claim before 30 November.
6. If you have an approved PSG, EDG or MRA project, submit the final claim before 30 November.
7. Check that your GIRO or Corporate PayNow details with IRAS are current, so the payment can land.

What happens after 30 November

From 1 December 2026, a redesigned SFEC replaces the current one. According to MOM's factsheet on the Enterprise Workforce Transformation Package, companies with at least three Singapore Citizen or PR employees will receive a fresh S$10,000 credit in an online wallet, and can use it to offset out-of-pocket costs for eligible workforce transformation initiatives and courses upfront, instead of claiming back afterwards.

That is good news, but it is not a reason to let the current balance lapse. The two credits are separate, and the old one does not roll over. The detailed eligibility rules for the new credit and the funding rate are covered, with sources, in our SFEC 2026 explainer. If a course you want cannot finish by 30 November, it may be worth planning it for after 1 December under the new credit instead.

Where Qlabs fits

Qlabs runs a short, hands-on AI course for education businesses: preschools, childcare chains, tuition and enrichment centres. Staff work on their own real tasks, such as observations, parent updates and worksheets, and we set the tools up at your centre with your templates. The course is delivered with an SSG-approved training partner, so eligible employers can offset the fees with the SFEC, subject to SSG's rules and the dates above. Matthew Lee, who teaches it, is a WSQ-certified adult educator (ACLP) and has run an education business in Singapore since 2009. See AI training for preschools, AI training for tuition centres, or email hello@qlabshq.com to check whether a run can finish before your deadline.

Official sources

• Enterprise Singapore: SkillsFuture Enterprise Credit and SFEC FAQ
• Enterprise Singapore: SFEC FAQs (PDF)
• SSG Information Memorandum EED/2026/1: launch of the redesigned SFEC and expiry of the current SFEC
• MOM and WSG: Factsheet on the Enterprise Workforce Transformation Package

This page explains public information and is not financial or legal advice. For your own balance and eligibility, check the Business Grants Portal or SkillsFuture for Business, or contact SSG or Enterprise Singapore.