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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.
Illegal Moneylenders in Singapore: A Threat Closer Than You Think
09 Dec 2024 BY Daniel Tan
Very often, people may overlook the threat of illegal moneylenders, assuming they are too wise to fall into their trap. However, when a neighbour or a domestic worker borrows from such lenders, the trouble can still land at your doorstep. Such is the case for Mr Alan, who received 120 calls over three days from various unlicensed money le…
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The entrepreneur’s dilemma: Fundraising or taking a loan?
27 Nov 2024 BY Daniel Tan
Fundraising investments or taking a loan is a question, I often see being asked on Facebook groups for entrepreneurs or aspiring entrepreneurs. This article will break down all the pros and cons so that any entrepreneur deciding between the 2, may make a more informed decision.Fundraising (Equity Financing) Pros: 1)No Repayment Obligation…
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What Is a Unique Entity Number (UEN) & What Is Its Importance?
12 Nov 2024 BY Grof.co X FindTheLoan
Navigating business operations in Singapore starts with understanding the Unique Entity Number (UEN) – a government-issued ID for businesses. The UEN is like an NRIC for people in Singapore, providing a unique and permanent identifier for companies to interact with regulatory bodies. This guide jointly produced with our partner Grof.co, w…
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Don't be clickbait by fancy loan types that don't exist!
10 Oct 2024 BY Lee Shuen Min
Have you ever seen ads for loan types like Tech Startup Loan, Nail Salon loans, Medical loans, Fashion Boutique loans and Aquarium Shop loans? These are just clickbaits. Just like investors diversify their portfolios by investing in various industries, lenders need to diversify their customer base and do not want to attract borrowers from…
Read MoreWhat is a loan marketplace and how are you different from a comparison website or from using a broker?
26 Sept 2024 BY Daniel Tan
Review websites can help you choose the best credit card, the best savings account, and so on with their extensive research on standardized products. But without access to your individualized profile, it might not be very helpful when it comes to taking a loan. “Up to $$$” and “as low as x%” mean nothing if they do not apply to you. Unlik…
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Mastering Cash Flow: Avoiding the Top 10 Pitfalls That Stifle Business
23 Sept 2024 BY Grof.co X FindTheLoan
This article is co-authored by Grof Singapore and FindTheLoan.com. Effective cash flow management is the lifeblood of any thriving business. Yet, even seasoned business owners often stumble into unexpected financial traps that jeopardise their company's future. By understanding the most common cash flow management mistakes and proactively…
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How Smart Borrowing Can Drive Success
17 Sept 2024 BY Daniel Tan
Debt often carries a negative connotation. Stories of crippling student loans, overwhelming credit card balances, and companies folding under financial strain dominate headlines. However, it's essential to recognize that all tools can be used the right way or the wrong way. When managed wisely, debt can serve as a powerful tool to achieve…
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Why does the loan application process take so long?
11 Aug 2024 BY Daniel Tan
Seen ads promising fast loan approval, and yet your experience is otherwise? Some lenders (especially the smaller ones) and especially brokers may care less about "misleading ads" (Singapore's advertising guidelines generally do not consider exaggeration as misleading, especially for non-healthcare products. Or if 1 hour applies only to a…
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How Personal Loans Impact Your Ability to Secure Business Loans And Vice Versa.
26 Jul 2024 BY Daniel Tan
As a business owner, managing personal finances alongside business obligations is crucial, especially when it comes to securing additional loans. Understanding how personal loans affect your ability to obtain business financing, and vice versa, involves navigating through financial metrics like the Debt Servicing Ratio (DSR) and various l…
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If a loan broker claims to be able to negotiate for you, walk away.
28 Jun 2024 BY Daniel Tan
Program lending, also known as policy-based lending, formula-based lending, or checklist lending, involves providing loans based on criteria or guidelines set by the lender to help their credit officers make quick decisions and process large amounts of enquiries. Often brokers claim to be able to negotiate the interest rate for you to try…
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