How to Claim Your PSG Grant in Singapore: The Complete 2026 Guide

If you have an approved PSG (Productivity Solutions Grant) project and are wondering how to actually get the money back, you are in the right place. Claiming a PSG grant is done through the Business Grants Portal (BGP) at businessgrants.gov.sg, and the process requires submitting a Usage Report — not a traditional "claim form." This guide walks you through every step, every document, and every deadline you need to hit to get your PSG reimbursement without delays.

The short answer: PSG claims are submitted as a Usage Report in BGP after your approved solution is implemented and paid for. You have until the project end date stated in your Letter of Offer (LOO) to submit — typically 12 months from project start. Missing this deadline means forfeiting the grant.

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What "Claiming" a PSG Grant Actually Means

Many SME owners use the word "claim" loosely, but in PSG terms there are two distinct processes:

1. The Application — you apply before starting the project, get a Letter of Offer (LOO), and only then begin implementation
2. The Usage Report (the actual claim) — after implementation and payment, you submit proof to trigger reimbursement

The PSG does not pay upfront. Enterprise Singapore reimburses you after you prove the solution is deployed and paid for. This is the most common source of confusion for first-time applicants.

If you are still in the application stage, read the full PSG Grant guide first. If you already have a LOO and want to submit your claim, continue reading.

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Before You Claim: Four Things That Must Be True

Before logging into BGP to submit your Usage Report, confirm all of the following:

1. You have an approved LOO. No LOO means no claim. The LOO is the formal grant approval from Enterprise Singapore. It specifies your project scope, approved vendor, start date, end date, and maximum grant amount.

2. The solution is implemented. The software, equipment, or consultancy described in your LOO must be actively in use by your company — not just purchased. PSG funds deployed solutions, not invoices sitting in a drawer.

3. You have fully paid the vendor. PSG reimburses you, not your vendor. You must have already paid the vendor invoice before submitting. If your cash flow is tight, some PSG-approved vendors offer split payment terms — discuss this before your project starts.

4. You are within the claim window. Check your LOO for the project end date. Your Usage Report must be submitted before this date. Most LOOs allow 12 months. Extensions can be requested from Enterprise Singapore before the deadline, but not after.

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Step-by-Step: How to Submit Your PSG Usage Report

Step 1 — Log in to the Business Grants Portal

Go to businessgrants.gov.sg and sign in with Corppass using your company UEN. The Corppass account must have BGP system access granted by your company's Corppass Administrator. If you cannot see your grant records after logging in, ask your administrator to grant you BGP access under the company's Corppass profile.

Step 2 — Find Your Approved Grant

From the BGP dashboard, click "My Grants" and locate your PSG project showing status "Approved" or "In Progress." Click into the project to open the details. Look for the "Claims" or "Usage Report" tab — this is where you submit.

Step 3 — Complete the Usage Report Form

The form asks for:

Field	What to Enter
Project start and end dates	Match exactly what your LOO states
Solution description	Brief factual description of what was deployed
Staff headcount benefiting	Number of employees actively using the solution
Vendor name	Must match your LOO exactly — character for character
Invoice number(s)	All invoices for the project
Invoice amount(s)	Total amount billed and paid
Payment date(s)	Date you paid, not the invoice date
Mode of payment	Bank transfer, cheque, PayNow — be specific

Critical: The vendor name, solution name, and invoice amounts must align with your LOO precisely. Any mismatch — even a minor name abbreviation difference — triggers a manual query and extends your processing time by weeks.

Step 4 — Upload Your Supporting Documents

BGP requires documentary proof for every claim. Prepare the following:

All PSG claims:

• Original vendor tax invoice(s)
• Bank statement or payment receipt clearly showing: payee name, amount, transaction date
• Evidence the solution is in active use — dashboard screenshot, system login, activity report

IT solutions / software:

• User accounts created for your employees
• Software activity showing your team has logged in and used it (date-stamped screenshots work well)

Consultancy projects:

• Signed final deliverable report or SOW completion form
• Attendance sheets, workshop photos, or training session slides with dates

Equipment:

• Photos of equipment installed and operating
• Signed delivery order from the vendor

Scan all documents as PDF. If a file is too large for BGP's upload limit, compress it. Keep your own full copy of every document submitted — you may need it for any queries from the assessor.

Step 5 — Submit and Track

Once all fields are filled and documents attached, click Submit. BGP assigns a claim reference number — record it. Your claim then moves through these statuses:

Status	What It Means
Submitted	BGP received your Usage Report
Under Review	Assessor at Enterprise Singapore is reviewing
Additional Information Required	Respond promptly — delays here extend your timeline significantly
Approved	Claim approved; disbursement processing begins
Disbursed	Funds transferred to your registered company bank account
Rejected	Unsuccessful — you will receive the reason; appeals are possible

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How Long Does PSG Reimbursement Take?

Enterprise Singapore's published guidance is 4–8 weeks from submission to disbursement for clean claims. In practice:

• Simple claims (e.g. software subscription with clear invoice + bank statement): 4–6 weeks
• Consultancy or multi-phase claims: 8–12 weeks
• Claims with additional information requests: add 4–8 weeks per round of queries
• Claims submitted near financial year-end (March): often slower due to volume

A 2024 survey by the Singapore Business Federation found 41% of SME claimants experienced delays beyond 8 weeks, with documentation mismatches being the most common cause. The single most effective thing you can do to accelerate your claim is submit complete, perfectly matched documents on the first attempt.

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The 8 Most Common PSG Claim Mistakes

1. Claiming before the solution is live

Purchasing a software licence is not the same as deploying it. If your team has not yet logged in and started using the system, hold your submission until they have. Premature claims get rejected.

2. Vendor name mismatch with LOO

If your LOO says "XYZ Solutions Pte. Ltd." and your invoice header says "XYZ Solutions Pte Ltd" (missing the period), the assessor will flag it. Get a corrected invoice or a vendor confirmation letter before submitting.

3. Bank statement doesn't show payee name clearly

PayNow reference codes and internal transfer descriptions sometimes don't include the payee name. Use bank transfer (FAST/GIRO) where possible, which creates a clean traceable record.

4. Including costs not in your LOO scope

If you bought additional modules or services beyond what was approved, do not include those in this claim. Only claim the exact scope your LOO covers. Additional scope requires a new PSG application.

5. Missing the project end date

This is the single most damaging mistake. Once the end date passes, there is no extension and no appeal. Start preparing your claim documents 60 days before the deadline, not 5 days before.

6. Paying the vendor before receiving your LOO

PSG is strictly prospective. Costs incurred before your LOO issuance date cannot be claimed. Starting work before LOO — even if you were "verbally told it was approved" — is one of the most expensive mistakes SMEs make.

7. Wrong bank account registered in BGP

Disbursements go to the bank account registered under your company's BGP profile. If you recently changed business bank accounts, update your BGP profile before submitting your claim. Corrections after disbursement initiation cause significant delays.

8. Submitting compressed or unclear documents

If scanned invoices are blurry or bank statements are cropped and missing key information, the assessor will request clearer copies. Scan at 300 DPI minimum and ensure dates, amounts, and payee names are fully legible.

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PSG Claim vs PSG Application: Key Differences

	PSG Application	PSG Claim (Usage Report)
When	Before project starts	After implementation and full payment
Purpose	Get approval and LOO	Receive reimbursement
Timeframe	4–6 weeks for LOO	4–8 weeks for disbursement
Key document	Vendor quote + project plan	Invoice + payment proof + usage evidence
Fatal mistake	Starting work before LOO	Missing the project end date

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Stacking PSG With SFEC: The Combination Most SMEs Miss

If your company qualifies for SkillsFuture Enterprise Credit (SFEC), you can stack it on top of your PSG claim. Here is how the maths works:

• PSG covers 50% of your qualifying project cost
• SFEC covers up to 90% of your remaining out-of-pocket cost, capped at S$10,000 total
• Example: S$20,000 project → PSG pays S$10,000 → you pay S$10,000 → SFEC covers up to S$9,000 of that → net out-of-pocket: S$1,000

SFEC is auto-credited — no application needed. Check your BGP dashboard to see if the S$10,000 credit is listed. SFEC expires 30 November 2026, so if you have an upcoming PSG project, use it before it lapses.

You can also stack PSG with CTC for workforce training components, and with EDG for larger business transformation projects. See the full grants comparison to understand which combination suits your project.

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What Happens If Your PSG Claim Is Rejected

BGP will send a formal rejection notice with the reason. Common reasons include insufficient documentation, solution not implemented within the project period, payment evidence unclear, or scope claimed does not match the LOO.

You can appeal by responding in BGP with corrected or additional evidence. Appeals are reviewed case by case. If the rejection was due to a fixable documentation gap (not a fundamental eligibility issue), a well-prepared appeal has a reasonable chance of success.

If your appeal is also unsuccessful, the grant is forfeited for that project. Enterprise Singapore does not offer a third review.

For complex rejection situations — particularly where there is a genuine mismatch between your LOO scope and what was delivered due to vendor changes — working with a PMC-certified business consultant who has experience navigating PSG appeals can improve your outcome.

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Common questions

What documents do I need to claim my PSG grant? You need: the original vendor tax invoice(s), a bank statement or payment receipt clearly showing the payee name and amount, and evidence the solution is actively in use (screenshots, activity logs, delivery orders). For consultancy projects, include signed deliverables and attendance records. Upload all documents as PDF through the BGP Usage Report submission form.

How long does PSG reimbursement take after I submit my claim? 4–8 weeks for clean, complete claims. If the assessor raises queries or requests additional documents, expect 8–16 weeks. Submit complete, well-matched documents on your first attempt — this is the biggest factor within your control.

What if I miss the PSG claim deadline? If you submit after the project end date in your LOO, your claim will be rejected and the grant is forfeited. There is no grace period. Set a reminder 60 days before your deadline to begin preparing. If your project is delayed, contact Enterprise Singapore before the deadline expires to request a project extension — this can be granted in legitimate cases.

Can I claim PSG before I finish paying the vendor? No. You must have fully paid the vendor before submitting your Usage Report. PSG reimburses you — it does not advance funds. If cash flow is the issue, discuss instalment options with your vendor before signing the contract.

My PSG claim was rejected. Can I reapply? You can appeal a rejected claim within BGP by submitting additional supporting evidence. You cannot start a new PSG application for the same project after a claim rejection. If the rejection was due to a documentation issue, an appeal with corrected documents is your path forward.

Can I claim PSG if work started before my LOO was issued? No. PSG does not cover costs incurred before the LOO issuance date. This is one of the most expensive SME mistakes — starting the project on a verbal "approval" before the formal LOO arrives. Always wait for the LOO before committing any spend.

How do I check my PSG claim status? Log into BGP at businessgrants.gov.sg with Corppass, go to "My Grants," and click your approved project. The claim section shows the current status. BGP also sends email notifications when your status changes — make sure your Corppass contact email is current.

Can I claim PSG and SFEC at the same time? Yes — and this is one of the most under-used strategies for Singapore SMEs. SFEC stacks on top of PSG, potentially covering up to 90% of your remaining out-of-pocket cost after PSG. Check your SFEC balance in BGP. The credit expires 30 November 2026.

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Summary: PSG Claim Checklist

Before you submit, run through this list:

• LOO received and project end date noted
• Solution fully implemented and staff actively using it
• All vendor invoices collected (original, not pro forma)
• Payment made and bank statement ready showing cleared transaction
• Usage evidence prepared (screenshots, logs, delivery orders)
• LOO vendor name matches invoice header exactly
• BGP company bank account is up to date
• Submission date is before project end date in LOO

Complete all eight and your first-submission approval rate will be significantly higher than the average. For PSG grant questions or a pre-submission review, a PMC-certified advisor can check your documents before you file.