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The Dirty Secret Behind “Loan Comparison” Sites Jun 4, 2025 - Daniel Tan

What is a loan marketplace and how are you different from a comparison website or from using a broker? Sep 27, 2024 - Daniel Tan

Grateful a loan broker was able to surprisingly help you get a loan when no one else was? You could be unknowingly participating in fraud. May 30, 2024 - Daniel Tan

What Is a Unique Entity Number (UEN) & What Is Its Importance?

Author: Grof.co X FindTheLoan

Written at: 13 Nov, 2024

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, will

Don't be clickbait by fancy loan types that don't exist!

Author: Lee Shuen Min

Written at: 11 Oct, 2024

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 on

What is a loan marketplace and how are you different from a comparison website or from using a broker?

Author: Daniel Tan

Written at: 27 Sep, 2024

1)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 d

Mastering Cash Flow: Avoiding the Top 10 Pitfalls That Stifle Business

Author: Grof.co X FindTheLoan

Written at: 23 Sep, 2024

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 implemen

How Smart Borrowing Can Drive Success

Author: Daniel Tan

Written at: 18 Sep, 2024

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 goals,

Why does the loan application process take so long?

Author: Daniel Tan

Written at: 11 Aug, 2024

Applying for a loan can often feel like a time-consuming and complex process, but there are important reasons behind the length of time it takes. Understanding these reasons can help you navigate the process with more patience and clarity. 1. Comprehensive Risk Assessment: Lenders need to thoroughly assess the risk involved in lending to each appl

How Personal Loans Impact Your Ability to Secure Business Loans And Vice Versa.

Author: Daniel Tan

Written at: 26 Jul, 2024

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 lender poli

If a loan broker claims to be able to negotiate for you, walk away.

Author: Daniel Tan

Written at: 28 Jun, 2024

Program lending, also known as policy-based lending or 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. Due to

Grateful a loan broker was able to surprisingly help you get a loan when no one else was? You could be unknowingly participating in fraud.

Author: Daniel Tan

Written at: 30 May, 2024

Loan brokers originate, depending on the lender type, any where from 40% to even as high as 95% of a lender's sales in Singapore. In the US, they originate 65% of all home loans according to some surveys and is an industry that employs more than 400,000 people.Since a huge bulk of their sales come from them, apart from the lenders' salesforce and w

1% loan? Zero application fee? 50% storewide discount? Stop falling for clickbaits!

Author: Lee Shuen Min

Written at: 25 Apr, 2024

Recall the last time when you were drawn to a store with a sign "50% off" and you walked out shortly distastefully realising you were being clickbait? While there is the CPFTA & lemon law in Singapore, there are many loopholes, "dishonest" merchants are using to get around. Some retail stores get around this by offering huge discount

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Recent Posts

What Is a Unique Entity Number (UEN) & What Is Its Importance?

Don't be clickbait by fancy loan types that don't exist!

What is a loan marketplace and how are you different from a comparison website or from using a broker?

Mastering Cash Flow: Avoiding the Top 10 Pitfalls That Stifle Business

How Smart Borrowing Can Drive Success

Why does the loan application process take so long?

How Personal Loans Impact Your Ability to Secure Business Loans And Vice Versa.

If a loan broker claims to be able to negotiate for you, walk away.

Grateful a loan broker was able to surprisingly help you get a loan when no one else was? You could be unknowingly participating in fraud.

1% loan? Zero application fee? 50% storewide discount? Stop falling for clickbaits!

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