Questions, answered.

No. We're an independent loan broker and credit intermediary. We don't lend our own money — we position your application and negotiate with banks and licensed lenders on your behalf. Approval, amount and rate are decided solely by the lender.

Four steps. You share your profile (via Singpass Myinfo or by messaging us). We position how your income, revenue and obligations are presented. We take one application to the lenders on our panel most likely to approve your highest amount. You compare the real offers on EIR and terms, and we handle the paperwork through to disbursement.

Your own bank can only offer you its own products. We compare across a panel of banks and licensed lenders in a single application, and we present your file the way credit teams reward — which can change the amount you're approved for. You also avoid applying to several lenders yourself and collecting hard searches along the way.

We compare across major banks and licensed financial institutions active in the Singapore market, including names such as DBS, OCBC, UOB, Maybank, Standard Chartered, HSBC, Citi, CIMB, GXS and DCS. The right lender for you depends on your profile and the type of financing.

There's no upfront cost to start. We charge a success-based service fee — a percentage of the loan, agreed with you before we proceed — payable only when your financing is approved and disbursed. If we don't get you a loan, you don't pay us. We'll always confirm the fee with you upfront so there are no surprises.

No hidden charges from us. We don't charge you a fee for our service. Lenders may have their own charges (such as processing fees) which they disclose in their offer — we'll help you read those so you understand the full cost before you decide.

EIR is the Effective Interest Rate — the true cost of a loan once the repayment schedule and fees are taken into account. The advertised "flat rate" usually looks lower than the real cost. We surface the EIR so you compare offers fairly, not on marketing numbers.

Starting an assessment doesn't trigger a hard credit search. We review your profile first and only submit to lenders once you've agreed on a direction, so you're not stacking up hard searches across multiple banks.

We can't promise a number — the decision always rests with the lender. What we do is present your income, revenue and obligations the way credit teams reward, and route your file to the lenders most likely to approve your full amount. The same profile genuinely gets different outcomes depending on how it's built.

Often, yes. A rejection usually reflects how one lender read one application on one day, not whether your profile is fundable. We look at why it likely failed, restructure the file, and route it to lenders whose appetite actually fits. We can't guarantee approval, but a previous "no" is not the end of the road.

It depends on the financing type, but commonly: identity and income verification (easily shared via Singpass Myinfo), recent bank statements, and for businesses, financial statements or management accounts. We'll tell you exactly what's needed for your case so nothing is wasted.

Working capital and term loans, equipment and asset financing, trade financing, refinancing and consolidation, and government-backed routes such as the Enterprise Financing Scheme (EFS). We help match the structure to what your business actually needs.

Appetite varies by lender. A longer operating track record generally helps, but newer businesses can still secure financing depending on revenue, the directors' profiles and the type of facility. We route your file to lenders whose appetite fits your stage.

A government programme where Enterprise Singapore shares part of the lending risk with participating financial institutions, making them more comfortable approving eligible SMEs. You still borrow from a bank or licensed lender, not the government. Parameters are set by EnterpriseSG and change over time — we'll help you check current eligibility.

Personal and renovation loans, debt consolidation, and property-related financing. We match you to the lender most likely to approve the amount you need on the best terms for your profile.

Unsecured borrowing in Singapore is shaped by industry-wide guidelines that relate your total unsecured credit to your income, and each lender applies its own policy. Rather than a fixed multiple, your amount depends on your income, existing commitments and credit standing — the levers we help you present at their strongest.

Sometimes — if it lowers your real cost (compared on EIR) or simplifies several payments into one manageable repayment. Sometimes not — if a longer tenure increases total interest. We look at your full picture and tell you honestly whether consolidating is in your interest.

It lets you share verified details — name, NOA, CPF, employment — pulled straight from government sources, so you skip document scans and manual typing. You stay in control of exactly what's shared, and you can also just message us on WhatsApp instead.

We treat your information confidentially and use it only to assess your financing and approach lenders on your behalf, in line with Singapore's Personal Data Protection Act (PDPA). We share it with lenders only with your agreement, as part of pursuing your application.

No. An assessment is free and non-binding. You're free to compare what we bring back and walk away — you only proceed if an offer genuinely works for you.