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You wouldn’t pick a loan blindfolded—so don’t.
Our blog helps you decode your options with real tips and insights.
Why MAS’s New Digital Advertising Rules Matter — and Why Borrowers Should Pay Attention
30 Oct, 2025 BY Celest Teo
The Monetary Authority of Singapore (MAS) has released new Guidelines on Standards of Conduct for Digital Advertising Activities. They sound technical, but here’s why they matter: these rules are meant to ensure that ads for financial products — from bank loans to investment platforms — are fair, clear, and not misleading. That s
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When Banks Say No.
13 Oct, 2025 BY Celest Teo
When SMEs and borrowers think about business financing, banks are often the first to come to mind. But non-bank lenders are now playing an increasingly important role in filling the funding gap that traditional banks can’t always meet. 1. Non-banks serve businesses that banks can’t Banks are bound by strict lending frameworks. They pr
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From ChatGPT to Custom GPTs to AI agents, difference and how to take advantage of it now.
10 Oct, 2025 BY Celest Teo
Most ChatGPT Users Are Missing Its Best Feature Millions of people rely on ChatGPT daily to brainstorm ideas, write posts, or summarize reports. Yet, most never realize that ChatGPT can become something far more personal — a tool shaped entirely around your own tone, workflow, and goals. No coding required. That’s where Custom GPTs
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ChatGPT Plus vs ChatGPT Team for your business.
13 Sep, 2025 BY Celest Teo
When people read up on ChatGPT Plus and ChatGPT Team (Business), the conversation often gets stuck on billing, usage limits, or access to agents like Deep Research or Codex. But here’s the truth: both Plus and Team already include those advanced agents. The real difference lies in collaboration — how work is shared, organized
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This must be good content… Someone seems to have plagiarized us!
17 Aug, 2025 BY Daniel Tan
Without a large marketing budget, we have to rely on high-quality writing to attract newsletter subscribers. We focus on quality over quantity, writing about what consumers, SMEs, and borrowers truly care about. However, we know it still pales in comparison to the massive reach of larger companies with their large marketing budget. But here&rsquo
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Make Honest Loans The Norm - Sign our petition to call for regulation to protect consumers.
05 Aug, 2025 BY Daniel Tan
Ever been promised bold claims by a broker or clicked on an ad promising “low interest rates, or claiming to be “officially appointed by chambers”? You’re not alone. These clickbait tactics aren’t just marketing— they’re the frontline in a larger, unregulated war for your trust (and your wallet). If we can
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Embedded Lending Explained: How Xero, Shopee, Stripe & More Are Changing Business Finance
15 Jul, 2025 BY Daniel Tan
Embedded lending is a fast-growing trend where non-financial companies (such as e-commerce platforms, SaaS tools, or even ride-hailing apps) offer loans or credit options to their users directly within their own apps or websites. This approach allows users to access financing at the exact moment they need it—without ever having to visit a ban
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Why Accountants and Financial Planners Should Start To Assist Their Clients with Loans
09 Jul, 2025 BY Daniel Tan
In the fast-evolving world of personal finance and business growth, accountants and financial planners have increasingly become trusted advisors, guiding clients on everything from tax strategy to retirement planning. Adding loans to their advisory offerings can not only deepen client relationships but also bring significant value to clients. In f
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Loan Brokers: 10 Insider Tips Every SME or borrower Should Know
25 Jun, 2025 BY Daniel Tan
Unlike in the US and UK, where regulations like the Truth in Lending Act(TILA) and Consumer Credit Act have been in place since the 1970s - there is currently no regulation on brokers in Singapore or if one even needs to set up a company or be a formal representative of a brokerage. Sometimes all they get is a company name card while working a
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ACRA Number vs DUNS Number: Do Singapore Businesses Need Both?
24 Jun, 2025 BY Daniel Tan
A DUNS number—short for Data Universal Numbering System—is a unique, 9-digit identifier issued by Dun & Bradstreet (D&B). It acts like a global business passport, helping verify a company’s identity and track its financial and credit history internationally. Introduced in 1963, the DUNS number has become a trusted standar
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