We offer a diverse range of personal cash loans tailored to suit your individual needs. Whether you’re making investments, financing home improvements, or covering unexpected expenses, our personal loans provide the financial freedom you desire. With low interest rates, flexible repayment terms, and a seamless application process, securing the funds you need has never been easier.

Our personal loan products are underwritten and disbursed by TBS Capital, a subsidiary of Tembusu Financial Services.

Personal cash loans are only available for Accredited investors.

What is an Accredited Investor


An accredited investor is a term used to describe an individual or entity with a significant level of financial expertise, assets, and income, which allows them to qualify for investment opportunities not available to the general public. These investors are deemed to have the financial acumen and the necessary resources to engage in more complex and higher-risk investment opportunities.

We are an excluded moneylender under the Moneylenders Act (Cap. 188). This means that we can only lend personal cash loans to accredited investors or corporations.

According to the Monetary Authority of Singapore (MAS) Accredited Investors need to have at least one of these:

  • Minimum income of S$300,000 in the last 12 months (or its equivalent in a foreign currency)
  • At least S$2 million of net personal assets, of which the net value of your primary place of residence can only contribute up to S$1 million
  • At least S$1 million value of Net Financial Assets (or its equivalent in a foreign currency)

Why Choose Our Accredited Investor Personal Cash Loan


1 Day Loan Approval

Low Interest Rate

Flexible Payment

High Approval Rate

No Additional Charges

Benefits of Personal Cash Loans for Accredited Investors


Access to Exclusive Products: Accredited investors have access to loan products and investment opportunities that are not available to the general public. This exclusivity often includes more favourable terms, such as lower interest rates or more flexible repayment schedules, reflecting the lower risk profile associated with lending to individuals with substantial financial resources.

Higher Loan Amounts: Due to their substantial assets and income, accredited investors may qualify for higher loan amounts compared to regular personal loan applicants. This is particularly beneficial for large-scale investments or significant financial undertakings.

More Flexible Terms: Loans designed for accredited investors often come with more flexible terms, including customisable repayment plans and fewer restrictions on loan usage. This flexibility allows accredited investors to tailor financial products to their specific needs and investment strategies.

Reduced Regulatory Restrictions: Accredited investor loans may be subject to fewer regulatory restrictions, offering a streamlined application and approval process. This is because accredited investors are presumed to have a better understanding of financial markets and products, reducing the need for stringent consumer protection measures.

Risk and Reward: While loans for accredited investors can offer more favourable terms and access to exclusive investment opportunities, they also come with different risk profiles. Accredited investors are typically more exposed to sophisticated and potentially higher-risk investments, under the assumption that they have the knowledge and financial cushion to absorb potential losses.

FAQs about AI Personal Cash Loan


An accredited investor is defined by specific financial thresholds, including a minimum income of S$300,000 in the past 12 months, net personal assets exceeding S$2 million (with up to S$1 million from the primary residence), or net financial assets of at least S$1 million.

Generally, AI personal cash loans offer flexibility in how the funds can be used, whether for investments, home improvements, or covering unexpected expenses. However, we encourage clients to discuss their intended use with our team to ensure it aligns with our loan policies.

Interest rates for accredited investors are typically lower than those for standard personal loans, reflecting the lower risk profile of accredited investors. Exact rates depend on current market conditions and your financial profile. Contact us for a personalised quote.

We aim for a 1-day loan approval process, subject to the completeness and verification of the provided documentation.

Absolutely. Tembusu Financial Services adheres to strict confidentiality and privacy policies, ensuring that all client information is securely managed and not disclosed without consent.

Find out more about our accredited investor personal cash loan

We will answer your questions about personal cash loan and guide you through our application process.

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Apply for our personal cash loan

We are your trusted source for low interest rate personal loans when you need quick cash for your expenses. With our cheap interest and easy approval loans, our personal loans provide the financial freedom you desire. Apply now and take control of your financial journey with our reliable cash loan solutions.