Common questions about bank loans, Private Funders, and how our brokerage service works.
Bank loans: S$50K–S$500K unsecured for most SMEs, up to S$5M+ with strong financials. Private Funders: S$3K–S$200K. We assess your revenue, years in business and credit profile to give a realistic figure upfront.
Yes. Some banks offer micro-loans or EFS loans for sub-2-year businesses. Private Funders may approve businesses as young as 3–6 months. We match you to the right lender for your stage.
No. Initial enquiries through us do not trigger a hard credit check. Only when you proceed with a formal application will a credit pull occur. We advise you fully before any application is submitted.
Nothing. We charge zero broker fees to clients. We are compensated by lending institutions upon successful disbursement — our incentive is always to find you the best loan.
Private Funder loans: 24–48 hours after approval. Bank loans: 3–10 business days once documents are submitted. We set realistic timelines upfront.
Completely. Your information is only shared with the lender you explicitly choose, and only after your consent. We comply fully with Singapore PDPA.
Yes. Lenders assess your TDSR and overall financial health. We help you present your case in the best light and identify lenders comfortable with your position.
Loan-to-Value (LTV) is the maximum percentage of an asset's value a lender will finance. Total Debt Servicing Ratio (TDSR) caps all your monthly debt repayments — across every facility — at a set percentage of your gross income. Mortgage Servicing Ratio (MSR) is a stricter, property-specific version of this for HDB flats and ECs. Together they determine how much you can actually borrow before any specific lender's offer comes into play.
Every Private Funder we work with is a licensed moneylender, registered with the Ministry of Law and listed at moneylenders.registry.sg — always check before proceeding. Warning signs of an unlicensed lender ("Ah Long") include: no written loan contract, demands to hold your NRIC or bank cards, interest above the legal 4%-per-month cap, and cash-only or unusual transfer arrangements. We only refer clients to MAS-regulated banks or MinLaw-licensed Private Funders — never unlicensed lenders, under any circumstances.
