Blog Highlights

Recent Posts
Aug 5, 2025 Join the Movement—Help Make Honest Lending the Norm
Jul 15, 2025 Embedded Lending Explained: How Xero, Shopee, Stripe & More Are Changing Business Finance
Jul 9, 2025 Why Accountants and Financial Planners Should Start To Assist Their Clients with Loans
Pinned Posts
Aug 5, 2025 Join the Movement—Help Make Honest Lending the Norm
Jun 25, 2025 Loan Brokers: 10 Insider Tips Every SME or borrower Should Know
Jun 4, 2025 The Dirty Secret Behind “Loan Comparison” Sites

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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.

balancing money

How Smart Borrowing Can Drive Success

18 Sep, 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 goals,

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risk assessment

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 small su

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personal loan vs business loan

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 lender poli

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negotiation

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 to

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loan broker fraud

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.

30 May, 2024 BY Daniel Tan

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

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clickbait

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

25 Apr, 2024 BY Lee Shuen Min

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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invoices

The inside out of invoice financing, PO, Contract and Project financing

05 Mar, 2024 BY Daniel Tan

The 4 loan types are covered together as they have similar features. You can jump to the specific part of the article by looking at the bolded keywords.1)You offered a client say 120 days credit terms, but as you need the cash flow now, you can take the invoice to a factor where they advance e.g. 90% (advance/finance percentage) for your cashflow n

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Credit score Singapore

How to improve on your credit score?

30 Nov, 2023 BY Daniel Tan

Tabulated by credit bureaus, a credit score or a credit report is a reflection of your financial behaviour and past payment history typically on your loan accounts, credit cards, and regular bills such as with telcos and utility companies, depending on the bureau and the relationship they have with the reporting companies. Depending on the loan ty

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thumbs down for reverse factoring

Why Reverse Factoring is the worst innovation for any business owner that offers credit terms to its customers

19 Nov, 2023 BY Daniel Tan

Reverse factoring is a type of supplier finance solution that companies/buyers can use to offer early payments to their suppliers based on approved invoices. Suppliers participating in a reverse factoring program can request early payment on invoices from the buyer or other financial institution, with interest or discount and with the buyer or supp

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savings or pay off debt

Rising interest rate. Should you save or pay down your debt?

07 Nov, 2023 BY Daniel Tan

With some banks in Singapore (Click here if you are keen to find out the difference between a neo bank & digital bank) increasing their flagship savings accounts for certain bonus tiers up to 7.8% a year, the saver in us may be tempted to start saving more for a rainy day. Having a good saving habit helps in life events like creating an emerge

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