Mortgage loan

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Loan for alcohol distribution company using a guarantor with no income

Mortgage loan

At Tembusu Financial Services, we take pride in being there for our clients when they need us the most. Take the case of a family-run alcohol distribution business that has been a cornerstone in the industry for years. Founded by the venerable Mr. Lim and now led by his daughter, the company faced unprecedented challenges in recent times. The rise of online e-commerce direct selling, coupled with the crippling effects of the COVID-19 pandemic, had taken a toll on their operations, pushing them to the brink.

When they turned to banks for a working capital loan, they hit a roadblock. The sole shareholder, elder Mr. Tan, who had no active income as he wasn’t an executive in the company, faced rejection after rejection due to the stringent income and credit history requirements set by most banks.

This is where Tembusu Financial Services stepped in. We understood the dire situation the company was in and recognized the importance of keeping this family business afloat. Leveraging our expertise and experience in financing, we were able to devise a solution that worked for them. We offered a loan secured by Mr. Tan’s property as collateral, bypassing the income-related hurdles. Our commitment to their

Mortgage-backed working capital loan for starting new project
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Mortgage-backed working capital loan for starting new project

Mortgage loan

In the currently booming marine industry, where grabbing new projects often hinges on having funds to pay upfront costs, Tembusu Financial Services played a pivotal role in enabling one company to set sail toward success. Our client, a prominent player in the marine sector, specializes in the design and construction of vessels. With the industry experiencing a boom, the company sought additional capital to undertake new projects and capitalize on the prevailing market conditions.

However, their existing Mortgage-backed working capital loan lender was conservative and hesitant to increase the loan quantum, despite the company’s potential for growth. This is where Tembusu Financial Services stepped in. Leveraging our expertise, we re-evaluated the mortgaged property, revaluing it at a higher price. This revaluation allowed us to refinance the loan at a significantly higher quantum, empowering our client to confidently bid on new projects.

The quick turnaround time and attractive terms of our financing solution not only provided the company with the funding it urgently required but also bolstered their profitability and repayment capacity. This symbiotic partnership between Tembusu and the marine industry player exemplifies how our financial expertise can transform challenges into golden opportunities, ensuring that our clients seize the moment and

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Refinancing the loan for commercial properties in Bugis and Chinatown

Mortgage loan


A home-grown company with a portfolio of commercial properties spanning the vibrant Chinatown and Bugis districts in Singapore had their lock-in period for their existing loan approaching its end. They sought to explore their refinancing options, hoping to secure better terms that would empower further property investments.

Enter Tembusu Financial Services, your trusted partner in tailored financial solutions. We stepped in and delivered a financing package with superior terms that outshone those offered by Mr. Lim’s current lender. These terms included a significantly higher loan amount and a host of other advantageous conditions.

Why Tembusu was able to offer a superior loan package is because of our dedicated team which boasts an in-depth understanding of the local property market and cheap cost of funding. We comprehended Mr. Lim’s investment aspirations and leveraged our expertise to secure a loan that not only met his specific needs but also allowed him to capitalize on our competitive terms.

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Investment holding company purchases shophouse in Club Street

Mortgage loan

An investment holding company had signed an option to purchase (OTP) to purchase a shophouse in the Club Street area. However, he needed a high LTV loan in order to fund this purchase and he was having much difficulty finding a lender who was able to do so.

The borrower diligently scoured the lending landscape, but each door appeared frustratingly locked. Traditional institutions, bound by risk aversion, failed to grasp the shophouse’s immense potential. Frustration mounted, and the looming deadline cast a shadow over the dream.

Enter Tembusu Financial Services. Our dedicated relationship managers, in concert with the borrower’s directors, dissected the business plan and delved deep into the guarantor’s credit history. Through this collaborative effort, we unearthed hidden gems, bright spots that illuminated our credit evaluation and enabled the borrower to pass with flying colors.

Tembusu extended approval for the mortgage loan the borrower needed. Our lightning-fast response and enticing terms transformed adversity into triumph. With Tembusu’s mastery of financing, the company secured the vital funds effortlessly, rescuing the shophouse dream from uncertainty.

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Fueling success: Empowering an oil trader through timely financing

Mortgage loan

In a pivotal moment of financial strain, an established oil trading titan faced an unexpected cash crunch that jeopardized its operational momentum. Swiftly, Tembusu Financial Services emerged as a beacon of salvation, extending a strategic medium-term loan. Tembusu ingeniously structured the agreement, securing the loan against the shareholder’s residential property, which was a bungalow in the East Coast area. This collaborative synergy not only safeguarded the oil trading company’s immediate prospects but catalyzed a golden opportunity – one that enabled the company to seize lucrative market fluctuations. Tembusu’s strategic lifeline fortified the oil trading company’s foundations, transforming adversity into triumph, and paving the path for enduring success.

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Property Developer required immediate loan for golden opportunity

Mortgage loan

A boutique property developer, had a remarkable opportunity to acquire a prime real estate project but required immediate financing. Tembusu Financial Services came to the rescue by approving a short-term loan, with a twist—the property developer’s Director offered his own residential property as collateral. This innovative solution allowed the property developer to seize the golden opportunity and move forward with the project, while Tembusu demonstrated its commitment to supporting clients in achieving their ambitions. Tembusu exemplifies our dedication to being a lifeline for developers, empowering them to turn their visions into reality.