Common questions, plainly answered.

Tembusu Financial Services is a Singapore-based direct private lender. We lend our own capital — no banks, no brokers, no middlemen. We specialise in property-backed business financing: mortgage loans, bridging loans, and caveat loans.

Yes. Personal loans are underwritten by our subsidiary TBS Union Pte Ltd, which holds MinLaw Licence No. 168/2024. Our property-backed loan products are underwritten and disbursed by TBS Capital Pte Ltd, a subsidiary of Tembusu Financial Services.

Banks are bound by TDSR limits, rigid credit scoring models, and lengthy approval processes. We assess the full picture — your context, your collateral, your plan — and can move from enquiry to disbursement in as little as 24 hours.

Both. Our property-backed loans serve business owners, SMEs, and individuals who need fast, flexible financing that banks often can't provide.

We offer three types of property-backed business loans: mortgage loans (cash-out against property equity), bridging loans (short-term financing between property transactions), and caveat loans (fast capital by lodging a caveat on your property title).

From S$100K to S$50M depending on the loan type, property valuation, and loan structure. We typically lend up to 80% of the property's assessed value, less any outstanding mortgage.

TDSR does not apply to most of our property-backed financing products. This is one of our key advantages — business owners blocked by TDSR at a bank can often still qualify with us.

Private residential property (condo, landed), strata commercial, shophouses, and select industrial property (private, not JTC). We do not accept HDB flats or JTC-leased industrial property.

Yes. Particularly for caveat loans, we can work with properties that have an existing mortgage, as long as there is sufficient equity. The caveat sits behind the registered mortgage as second-tier security.

No. We handle all LTA paperwork and OneMotoring submissions on your behalf, at your discretion.

A 5-year renewal is 50% of the PQP but can only be done once — car must be de-registered at the end. A 10-year renewal is the full PQP and can be renewed again.

Yes, within 1 month of expiry. LTA charges a late renewal fee (S$50–S$250, by engine capacity), and you can't drive the car until renewal is complete. After 1 month, the COE cannot be renewed.

In-house car loans are generally easier to get approved at higher loan quantum, even with imperfect credit. Processing is typically faster than a bank application, and the loan won't strictly affect your Total Debt Servicing Ratio (TDSR).

Bank loans typically offer the lowest interest rates but stricter criteria, so the right choice depends on your profile.

Cars with an Open Market Value (OMV) above S$20,000 are entitled to a maximum loan of 60% of the car price.

Cars with OMV at or below S$20,000 are entitled to up to 70%. Minimum loan amount is S$10,000, and maximum tenure is 7 years, based on the age of the vehicle.

Yes. We finance purchases from both dealers and direct sellers.

Our team guides you through the documentation needed for each scenario, so the process is smooth either way.

Start by contacting us via the enquiry form, WhatsApp, or phone. We'll arrange a short call to understand your situation. No paperwork is needed at this stage.

It depends on the loan type. Caveat loans can be disbursed within 24–72 hours. Bridging loans take a few days. Mortgage loans typically 1–2 weeks. All of these are significantly faster than a bank.

It varies by loan type. Generally: NRIC/passport, ACRA business profile, bank statements, and property documents. Your assigned loan advisor will provide a precise list after the initial conversation.

We do conduct checks, but we don't rely solely on credit scoring the way banks do. We assess the full picture: your property, your situation, your plan. A less-than-perfect credit history doesn't automatically disqualify you.

Our team will review your enquiry and respond within one business day. We'll arrange a 15-minute call with a loan advisor to understand your needs. No paperwork until you decide to proceed.

Rates vary by loan type, quantum, tenure, and collateral. We do not publish fixed rates — each case is assessed individually. Contact us for an indicative rate based on your specific situation.

No. All terms, fees, and charges are disclosed upfront in your offer letter before you commit. There are no hidden charges or last-minute conditions.

Early repayment terms vary by loan structure. Some products allow early repayment without penalty; others may have specific terms. Your advisor will clarify this before you sign.

We work with borrowers who face difficulties. If your circumstances change, contact us early so we can discuss restructuring options. Our approach is to find solutions, not escalate problems.