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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.
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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7 Smart Ways How Singapore SMEs Can Improve Cash Flow Instead of Taking a Loan.
23 Jun, 2025 BY Celest Teo
How to Improve Cash Flow Without Taking a Loan When cash gets tight, many business owners instinctively look to loans as the first solution. But borrowing isn’t the only way to ease a cash crunch. Before you take on debt, here are several strategies to improve your business’s cash flow. 1. Speed Up Your Inflows The faster you get p
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Real Estate, Insurance, Loans - How Commission-Based Advice Can Work Against You
06 Jun, 2025 BY Daniel Tan
Whether you're buying a home, taking a loan, or getting insured — Do your advisor or agent recommend what’s best for you — or what pays them more? In many industries — including loans, insurance, and real estate — loan brokers and agents can earn different commissions depending on which product or provider they recomm
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The Dirty Secret Behind “Comparison” Sites
04 Jun, 2025 BY Daniel Tan
Imagine you engaged a property agent to sell your property. Isn’t his sole role to help you find the best price? Now imagine he found an offer of 1,200,000 and hid it from you and instead presented his wife’s offer of 1 million. Every year, we have real estate agents going to jail because of that.Some platforms that call themselves 'com
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Should all shareholders be guarantors to a loan?
22 Apr, 2025 BY Lee Shuen Min
When a company seeks financing, especially for smaller enterprises or startups, shareholders often face the choice between collectively guaranteeing a business loan or having a single shareholder apply and provide a loan personally to the company. Each approach carries distinct advantages and disadvantages. Single Shareholder Lending to the Compa
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Licensed Moneylenders vs Loan Sharks
16 Apr, 2025 BY Celest Teo
Sometimes, you need money fast. Whether it's for a sudden emergency or a cash flow for your business, turning to a moneylender might be the way to go when borrowing from banks isn’t feasible. Here is a quick snapshot between the 2 : Criteria Bank Loans Licensed Moneylenders Interest Rates Typicall
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Innovation in alternative credit data & AI credit scoring is a double-edged sword for borrowers
03 Feb, 2025 BY Daniel Tan
Dynamic pricing has been a controversial practice as it raises ethical questions about fairness and transparency. Instead of prices fluctuating due to supply and demand, e-commerce and hotel booking websites have been subjected to scrutiny; prices may vary based on a user's browsing behaviour, location, and potentially their perceived willingness
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Venture Debt: How it stacks up against loans
22 Jan, 2025 BY Daniel Tan
What is Venture Debt Venture debt is a form of financing specifically designed for more often than not, venture-backed startups. It is typically offered as a supplement to equity financing and is aimed at providing companies with additional runway or funding for specific needs. This financing method has gained popularity in Singapore and Southeast
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When it makes more sense to go for a more expensive loan offer?
14 Jan, 2025 BY Daniel Tan
Choosing the right loan is not always about finding the lowest interest rate. Sometimes, the deciding factor is the loan quantum (amount borrowed) or the tenure (repayment period). These elements can significantly impact your financial situation, influencing why one offer might be more attractive than another. These factors are interconnected with
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Equity fundraising: venture studio vs incubator vs accelerator
23 Dec, 2024 BY Lee Shuen Min
In the entrepreneurial ecosystem, terms like "venture studio," "accelerator," and "incubator" often come up when discussing about equity fundraising. While all three may provide equity funding, they operate differently and cater to startups at various stages of their development. What is a Venture Studio? A venture studio, also known as a s
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