Fast Funding
Loan disbursement in 24hrs from $10k to $30M
2,000
deals funded
Lower Fees
We offer low and competitive interest rates
$1 billion
in loan transactions
Easy Approval
We exercise great flexibility for our eligibility criteria
50+ years
of industry experience
Flexible. Honest. Fast. It's a smooth process for our customers. We promise no hidden fees and a hassle-free application process. Trust our process.

Why Choose Us for Your Loan Needs

When it comes to securing funds, choosing the right money lender makes all the difference. At Tembusu Financial Services, we combine experience, transparency, and efficiency to provide you with a secured loan in Singapore that fits your goals.

Fast Loan Approval

We understand that time is of the essence. Our quick assessment process ensures you get approval and disbursement without unnecessary delays.

Private & Direct Lending

As a private lender, we work directly with you. No middlemen, no hidden charges, and no complicated bank procedures. This allows us to offer more flexibility and faster turnaround times.

Transparent, Honest Rates

We pride ourselves on clarity and trust. You’ll always know exactly what you’re paying for with no surprise fees or hidden costs.

Tailored Loan Solutions

From bridging loans and caveat loans to working capital and COE renewal loan, our team customises every solution to suit your specific situation.

Licensed & Experienced Team

With years of experience serving both individuals and SMEs in Singapore, we’ve built our reputation on reliability and professionalism. Our specialists guide you through every step of your loan journey.

 

Apply for a Loan Today
Get in touch with us for a free consultation. We’ll assess your situation and recommend the best loan solution for you.
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Frequently Asked Questions on Loans

How fast can I get my loan approved?

At Tembusu Financial Services, we provide fast loan approval in Singapore. Once we receive your documents, most applications are reviewed and approved within 1 working day, depending on the loan type and collateral provided.

What is the minimum and maximum loan amount I can borrow?

Loan amounts vary depending on your asset value, repayment ability, and loan type. Generally, our secured loans can go up to a significant percentage of your property’s valuation. We’ll provide a detailed assessment during consultation.

Can I apply if I have existing loans or outstanding debts?

Yes, you can. We assess every case individually. Even if you have existing loans or are currently on a debt management plan (DMP), we may still be able to help with a secured loan or refinancing option.

Do you charge early repayment penalties?

It depends on your loan structure. We’ll always explain any potential fees upfront, ensuring complete transparency before you commit.

What are the repayment terms for your loans?

Our repayment terms are customised to your needs. Depending on your loan type, repayment periods can range from a few months to several years.

How do I know which loan is right for me?

If you’re unsure, our team will provide a free, no-obligation consultation to understand your situation and recommend the best option, whether it’s a secured, bridging, working capital, used car loan or COE loan.

Can foreigners, PRs or expats apply for a loan?

Yes, foreigners, permanent residents (PRs) and expats are all eligible. For foreigners and expats, loan eligibility depends on the type of asset owned and the loan purpose. Our team will review your case individually.

What is the total debt servicing ratio (TDSR), and how does it affect my loan?

The Total Debt Servicing Ratio (TDSR) is a framework set by MAS (Monetary Authority of Singapore) to ensure borrowers do not overextend themselves. It calculates how much of your income goes toward debt repayment. We assess your situation to ensure your loan remains within TDSR limits.

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