We offer a diverse range of personal cash loans and financing solutions tailored to suit your individual needs. If you are an individual looking to make investments or handle unexpected expenses, our personal loans provide the financial freedom you are looking for. With low interest rates, flexible repayment terms, and a seamless application process, getting 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, and Who Qualifies as One?
An accredited investor is defined by specific financial thresholds, including a minimum income of S$300,000 (or its equivalent in a foreign currency) 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 (or its equivalent in a foreign currency), or holds a joint account with an Accredited Investor, in respect of dealings through that joint account.
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)