In this guide · 7 sections
Short answer
Unused credit under the current SFEC expires on 30 November 2026: courses must be completed by then and manual claims submitted by then. From 1 December 2026, eligible employers get a fresh S$10,000 credit in an online wallet that offsets costs upfront.
What changes on 1 December 2026
The SFEC was a S$10,000 credit that let employers offset up to 90% of their out-of-pocket costs for supported programmes and courses, on top of the normal subsidy. It was due to end in June 2025 but was extended until the new version was ready. According to the GoBusiness SFEC page (update of 17 April 2026), that version now ends on 30 November 2026.
On 1 December 2026 the redesigned scheme launches. SWDA, the agency formed when SSG and WSG merged on 1 July 2026, calls it SkillsFuture Enterprise Credit (Enhanced). The headline change is how the money moves: the old credit reimbursed you after a course, while the new one sits in an online wallet and is used upfront, at enrolment.
| Current SFEC | SFEC (Enhanced) | |
|---|---|---|
| Amount | S$10,000 (one tranche) | Fresh S$10,000 |
| How it pays | Reimbursement after training or project | Online wallet, offsets costs upfront at enrolment |
| Coverage | Up to 90% of out-of-pocket costs | Support levels not yet announced |
| Ends or starts | Expires 30 Nov 2026 | Launches 1 Dec 2026 |
| Run by | SSG / EnterpriseSG (now SWDA) | SWDA, under the Enterprise Workforce Transformation Package |
The deadlines for using your current SFEC balance
SSG's Information Memorandum EED/2026/1 is specific: the course run must be completed on or before 30 November 2026. A course that starts in November but ends in December does not qualify for the current credit. The GoBusiness page adds dates for the old claims system:
| Date | What happens |
|---|---|
| 30 Nov 2026 | Last day of training; enterprises must submit all manual SFEC claims; final claims for non-SWDA programmes due to the agency |
| 1 Dec 2026 | Unused current SFEC credit expires; SFEC (Enhanced) launches |
| 30 Apr 2027 | Training providers must endorse all submitted claims |
| 31 Jul 2027 | Last day to log in to the old system to view claim history |
| 1 Aug 2027 | Old SFEC system no longer accessible |
If you want a record of past claims for your accountant, download it before 31 July 2027.
Who gets the new S$10,000 wallet
The official pages say "eligible employers" without listing the full criteria yet. The clearest statement so far is in the MOM factsheet on the Enterprise Workforce Transformation Package (3 March 2026): all companies with at least three resident employees (Singapore Citizens or Permanent Residents) will receive a fresh S$10,000 credit in an online wallet.
The EWTP FAQ says eligible companies will be notified when the redesigned SFEC is ready, and the list of supported programmes will be confirmed then. As of 20 October 2026, SWDA's page still says "More information will be available soon" under funding details.
- You do not apply for the credit; eligible companies are told they qualify.
- Individual training providers cannot apply to make a course SFEC-eligible; it must already be funded by a government programme.
- The support level per course and the full programme list are not published yet, so do not plan around a percentage.
What IT, cybersecurity and AI training it can pay for
Under both versions, SFEC is a top-up on courses and programmes that already get government support. For a small office, that usually means SkillsFuture-funded courses run by registered training providers on the SkillsFuture for Business portal, plus approved workforce transformation programmes.
The courses most small businesses look at for IT include:
- Cybersecurity awareness and phishing courses for non-technical staff.
- Microsoft 365, Google Workspace and Excel courses with a certified syllabus.
- Generative AI courses for office work (writing, analysis, customer replies).
- Data protection (PDPA) courses for the person handling customer data.
For subsidy rates on funded AI courses and how to find them, see our guide to SkillsFuture AI courses for SME staff. For PDPA training content, see PDPA training for employees. Hardware and software purchases are a different scheme; see the EDG guide for website and IT projects.
What to do in the next six weeks
If you have a balance, the work is mostly checking dates and booking short courses that finish in time.
Check your remaining SFEC balance
Log in to the SkillsFuture for Business portal with Corppass and look at your current SFEC balance and claim history.
Pick courses whose last session ends by 30 November
Read the course run dates, not the start date. A one-day or two-day course in early or mid November leaves time for absences and reschedules.
Enrol staff through the company
SFEC tops up company-sponsored enrolments. Make sure the employer, not the employee, is the sponsor on the enrolment.
Submit manual claims for foreign staff
For foreign employees on SFEC-eligible courses, submit the claim in the SSG SFEC system on or before 30 November 2026.
Download your claim records
Save your claim history before the old system closes on 31 July 2027.
Watch for your SFEC (Enhanced) notice
Eligible companies are to be notified when the new wallet is ready. Check the SWDA page in December before you book training for 2027.
Do it yourself or get help?
Checking the balance, choosing courses and submitting claims is admin you can do yourself in an afternoon. The official FAQs and the SSG hotline (6785 5785) answer most eligibility questions.
Funded courses teach general skills. If you want security training built around your own systems (your email platform, your real phishing examples, your password manager), our Security Awareness Training package (S$390, paid upfront) does that. IT Sorted is a Singapore-based team of developers with over 10 years of experience; we are not a training provider, so this package is not SFEC-claimable.
Before 30 November 2026
Frequently asked questions
No. Unused credit under the current SFEC expires on 30 November 2026. The redesigned SFEC (Enhanced) starts on 1 December 2026 with a fresh S$10,000 for eligible employers, but it is a new credit, not a transfer of your old balance. Any training you want the old credit to cover must be completed by 30 November.
Not for the current SFEC. SSG's memorandum says the course run must be completed on or before 30 November 2026. A course that ends after that date is not eligible for the current credit. It may be supportable under the new scheme once SWDA publishes the eligible programme list and support levels.
According to the EWTP FAQ, eligible companies will be notified of their eligibility when the redesigned SFEC is ready. The MOM factsheet from March 2026 says companies with at least three resident employees (Singapore Citizens or PRs) will receive the fresh S$10,000 credit in an online wallet. Check SWDA's page in December for the final criteria.
The old SFEC reimbursed employers after training or a project was done, covering up to 90% of out-of-pocket costs. The new one works as an online wallet, so the credit offsets costs upfront when you enrol. SWDA has not yet published the support levels or the full list of eligible programmes as of October 2026.
SFEC tops up supported training courses and approved government programmes, not general purchases. Software, hardware and consultancy projects are usually funded through schemes like the Productivity Solutions Grant or the Enterprise Development Grant, each with its own rules. Check the specific scheme page before you commit.