Property-backed financing for businesses that move fast.

Direct private lender in Singapore. Property-backed business loans, car financing, and COE renewals. Same-day assessment with funds disbursed within 24 hours.

Business Loans →Car Loans →
Chat on WhatsApp

2,000+

Deals funded

24 hrs

Approval to cash

No TDSR

On most products

Businesswoman on a call
Same-day assessment
Funds disbursed within 24 hours of approval
S$100K–S$50M Loan range
2,000+ Deals funded
24–48hr Disbursement
MinLaw Licensed lender

Why Tembusu

The lender that sees your potential, not just your paperwork.

Direct lender, no middlemen

We use our own capital. No broker fees, no hidden charges. All terms disclosed upfront in your offer letter.

No TDSR restrictions

Turned down by a bank on TDSR? Most of our loan products don't apply any TDSR restrictions, so we can still help.

Proprietary underwriting

We assess the full picture: your context, your collateral, your plan. Not just a credit score. Flexible structures for complex profiles.

Our Loan products

‍Three ways to unlock your property's value

Mortgage loans

Up to S$50M

Unlock capital from your property. Lower interest rates, higher quantum, and flexible usage, from expansion to working capital.

Higher quantum

No TDSR restrictions

Use for expansion, cash flow, etc.

Learn more →

Bridging loans

From S$100K

Short-term financing to bridge the gap between buying and selling property. We move as fast as you need.

Bridge buy-before-sell transactions

Up to 6 months tenure

Flexible repayment options

Learn more →

Caveat loans

24-hour access

Access cash by lodging a caveat on your property. Retain full ownership and unlock fast cash. Works with existing mortgage.

Up to 80% LTV

Not subject to TDSR

For properties with existing mortgage

Learn more →

Explore Business Loans →

Being turned down is more common than you think.

Banks have rigid criteria: TDSR limits, payslip requirements, credit scoring models. We assess differently. Many of our clients come to us after a bank rejection and leave with a plan.

No TDSR restrictions on most products

Proprietary underwriting: the full picture, not just a score

Same-day indicative assessment

Speak to an Advisor →

How it works

From enquiry to funds in three steps.

1

Online assessment

Call us or submit an enquiry. Share your property address (for valuation), and how much you need.

2

Loan structuring

Once your documents are submitted, we design a solution around your timeline, needs & objectives.

3

Approval & disbursement

Get approval in hours, and funds disbursed within the week. No hidden charges.

Get started →

Who we are

Over 50 years of combined experience across automotive financing, private lending, and property finance. Founded and led by the team behind Sgcarmart, Singapore's #1 car marketplace.

Every deal is reviewed by senior team members, not a junior committee. We built Tembusu to fill a real gap: accessible, fast financing for the people and businesses the banking system overlooks.

About our Company →

S$100K–S$50M

Loan range

24 hours

Approval to disbursement

2,000+

Deals funded since 2018

50+ years

Combined loan experience

Sometimes it just takes one conversation.

Tell us your situation. We'll come back within one business day with an indicative assessment.

Get started →