This referral programme is only eligible to Singaporean residents aged 18 and above.

Complete the referral Google Form with your personal details and at least 10 unique SME contacts. Each referral must include the contact person's name, company name and a valid business or mobile number.

All submitted contacts will be subject to verification by Funding Societies. Only legitimate, unique and verifiable contacts from Singapore-registered SMEs will count towards the reward. Each participant is entitled to a maximum of one S$50 Grab Voucher upon successful verification of 10 eligible contacts.

You may qualify for a Grab Voucher worth up to S$1,000 when an SME you referred successfully obtains financing from Funding Societies.

A referral is considered successful only when the SME has submitted a financing application, passed the required credit and compliance checks, signed the financing agreement and successfully received the disbursed funds.

There is no minimum financing amount required under the current programme criteria. However, the exact reward amount is subject to the final Programme Terms & Conditions, and submitting a referral does not guarantee financing approval or a reward.

All referrals are subject to verification. Invalid, incomplete, duplicate, fabricated or non-qualifying SME contacts will not count towards the 10 eligible contacts required for the S$50 reward.

If multiple participants refer the same SME, the successful financing reward will be awarded to the first participant who submitted a valid referral, based on the recorded submission timestamp.

Funding Societies reserves the right to withhold, cancel or recover rewards in cases of suspected fraud, misrepresentation or breaches of the Programme Terms & Conditions.

For the S$50 submission reward, eligible participants will receive their Grab Voucher digitally via WhatsApp after all 10 submitted contacts have been successfully verified.

For the successful financing reward, eligible participants will receive their Grab Voucher within 30–45 working days after the referred SME's financing has been successfully disbursed.

All vouchers are non-exchangeable for cash and are subject to Grab's applicable terms and conditions.

The Friends of SMEs Referral Programme runs from 15 October 2026 to 31 December 2026. Referral submissions must be made within the campaign period.

All rewards are available while stocks last and subject to eligibility, verification and the Programme Terms & Conditions. Funding Societies reserves the right to amend reward amounts, modify programme mechanics, suspend or terminate the Programme without prior notice.