Frequently Asked Questions

Yes. We help you to control your debt by consolidating all your various loans from other money lending institutions such as ourselves. For example, if you have outstanding debts owed to six different companies, taking a debt consolidation loan with us will help to manage, and eliminate, all other interest rate loans at a single, flat interest rate.

Instead of having to deal with various unsecured loans at different interest rates, consolidating your debt into a single account provides you the convenience of tracking and your total amount of debt. At the same time, you will be able to repay the loan with a simple monthly payment at a lower interest rate than before.

Working with a trusted financial services provider such as Capital Funds Investments ensures you are provided with the best financial tools and interest rates on the market – and most importantly, free from worries about potential scams. We are licensed by Singapore’s Ministry of Law and employ a team of qualified financial service specialists who have knowledge and know-how to tailor a loan repayment plan that best suits your lifestyle needs and income.

Further, Capital Funds Investments’ debt consolidation programme offers some of the most competitive terms in the market with an interest rate of no more than 3.9% per month.

To be eligible for our debt consolidation loan programme, you must:

• Be a Singapore Citizen or Permanent Resident aged 18 years or above as of the date of application
• Have outstanding debts that you wish to consolidate under our debt consolidation loan

No. However, the total loan amount that we grant under this programme will depend on your salary and other personal financial information that you may supply us.

To be apply for our debt consolidation loan programme, please provide us:

• A front and back copy of your National Registration Identity Card (NRIC) or driver’s licence; do note that only one form of identification is required
• Latest income documents in the form of pay slips; OR Central Provident Fund statement/income tax notice reflecting your CPF contributions from the last 12 months

We guarantee a maximum 30-minute turnaround from the time of your application submission for your loan request to be processed. The loan amount is then released to you as soon as all documents are signed and approved.

No, so long as you provide and meet our abovementioned requirements. After receiving and reviewing your documents, we will determine if your preferred loan amount will be granted, or otherwise, suggest an alternative amount for your consideration.

For CFI’s debt consolidation plan, the maximum tenor is three years. We advise no longer than that, so as to avoid accumulating unnecessary interest. Our objective is to ultimately provide our customers a means to ease their financial burdens in the short term while eventually being able to enjoy a debt-free status in the longer run.

You may indicate your preferred tenor, although it is subject to our review and approval while we process your loan request.

Yes. One benefit of taking a debt consolidation loan with us is that we do not charge an early repayment fee. Any outstanding interest owed to us will be waived should you settle the owed amount earlier than agreed.

Yes, but you may only do so at least one month after the approval of your debt consolidation loan with us. No early repayment fee will be charged in this case.

No. The debt consolidation loan is to help you pay your outstanding debts. You will need to bear any early repayment, or other fees incurred in the refinancing process, without increasing your outstanding DCP loan amount.

You will need to obtain a settlement notice from your existing debt consolidation bank or lender before submitting a refinancing application, which will indicate your actual outstanding principal and accrued interest up to the date of notice generation. The outstanding principal stated on this notice will be your refinancing loan amount.

As they always say, no amount of money is ever enough. A personal loan offers you greater financial flexibility as it may be used for various reasons, such as for funding a passion project or making a big-ticket purchase. No matter what stage you are at in life – be it for your upcoming wedding or home renovations, or to deal with unprecedented expenses such as medical bills or traffic summons – we are here to provide you the financial boost you need.

Depending on the bank, most financial institutions have various requirements such as a clean credit history or minimum monthly salary, to deem you eligible for a loan.

Our personal, unsecured loan programme offers instant cash relief and a quick approval process and turnaround time, unlike banks which will require time to conduct numerous credit checks. What’s more, our team of financial experts are also here to tailor a personal loan that best suits your individual needs and lifestyle, while also providing advice to help you achieve your longer-term goals.

To be eligible, you must:

• Be 18 years old or above as of the date of application
• Be a Singapore Citizen or Permanent Resident with a valid work permit

No. However, the total loan amount that we grant under this programme will depend on your salary and other personal financial information that you may supply us.

We are still open to granting your loan once we verify your submitted documents.

To be apply, we simply require you to produce:

• One form of ID, in the form of a driving license, a passport or an NRIC
• Income Tax Notices of Assessment
• Your latest payslip

Once your application has been submitted with all of the required documents, it will only take a hour or less for your loan application to be reviewed and approved, after which we will issue you a cheque, cash, or bank transfer depending on your preference.

No, so long as you provide and meet our abovementioned requirements. After receiving and reviewing your documents, we will determine if your preferred loan amount will be granted, or otherwise, suggest an alternative amount for your consideration.

The maximum tenor for our personal loan is three years. You may indicate your preferred tenor, although it is subject to our review and approval while we process your loan request.

May I fully repay the loan at any time before my tenor ends, when I have available funds?
Yes. We will not charge an early repayment fee, and any outstanding interest owed to us will be waived should you settle the owed amount earlier than agreed.

You may consolidate your personal loan with CFI, along with other personal loans you have taken and are currently repaying, into our debt consolidation loan programme. To find out more, click here.

Yes, but you may only do so at least one month after the approval of your personal loan with us.

Bank business loans are mainly designed to support the growth of medium to large multinational corporations (MNCs) by enhancing their already-stable cash flows and operations. For example, most banks would require borrowing companies to have at least 2-3 years of operations before they are eligible to apply for a business loans or have a certain minimum annual turnover, or employment size, to qualify.

We provide both secured and unsecured business/SME loans to provide you the flexibility you need for that next leap, no matter big or small your company is, or what industry you may be in.

As an established business loan provider to companies in the automobile, F&B, transportation and logistics industries, and more, our financial experts are well equipped to advise business owners prior to the loan application process, and help them determine the optimal amount, tenor, and interest rates that best suit their needs.

No, our business loan is available to both local and foreign businesses who have established their operations in Singapore.

To be eligible for a business loan, you must:

• Be operational for at least a year
• Be registered with ACRA

No, we will try to accommodate to whatever your business might need. However, do note that the total loan amount that we grant under this programme may vary depending on the company financial statements and other documents supplied to us.

To be apply, we will require:

• NRIC copies of the company’s directors
• Financial statements of the company for the last 6 months
• Income Tax Notices of Assessment of the business owner(s)
• Latest ACRA business profile
• Tenancy agreement for the company’s office and/or facility premises

Once your application has been submitted with all of the required documents, it will take a maximum of 30 minutes for your loan application to be reviewed and approved, after which we will issue you a cheque, cash, or bank transfer, depending on your preference.

No, so long as you provide and meet our abovementioned requirements. After receiving and reviewing your documents, we will determine if your preferred loan amount will be granted, or otherwise, suggest an alternative amount for your consideration.

The maximum tenor for our business loan is five years. You may indicate your preferred tenor, although it is subject to our review and approval while we process your loan request.

Yes. We will not charge an early repayment fee, and any outstanding interest owed to us will be waived should you settle the owed amount earlier than agreed.

You may consolidate your business loan with CFI, along with other personal loans you have taken and are currently repaying, into our debt consolidation loan programme. To find out more, click here.

Yes, but you may only do so at least one month after the approval of your business loan with us.

No. To renovate means to improve or restore something old, such as a building, into an ideal state as if it were new again, which often suggests structural works such as carpentry or construction. Our renovation loan, however, covers much more than that.

If your home requires new kitchen appliances, a more ergonomically-designed bed, or updated lighting in order for its inhabitants to enjoy a better quality of life, it is in our opinion that these necessary purchases should be covered by our renovation loan, too.

You may take out a renovation loan from us for services and purchases that include, but are not limited to:

• Interior design fees
• Painting, redecorating, flooring and tiling works
• Bathroom fittings, electrical and wiring works
• External works within the compound of the house
• Flooring, tiling and bathroom fittings
• Furniture and household appliances
• New air-conditioning system purchases and installation

Yes. Should you wish to buy high-ticket consumer goods such as a new refrigerator or a washing machine, we will grant you the renovation loan on a hire-purchase basis.

Specifically, if you are able to pay a percentage of the item’s price as a deposit, we will loan you the remainder such that you may continue to use the purchase while paying monthly instalments (e.g. ‘hire’ a washing machine or fridge), until the principal amount and interest are paid off entirely. In layman terms, a hire-purchase agreement translates to the rental of appliances, furniture or equipment until the agreed amount is paid off, after which it will fully belong to you.

Generally, banks in Singapore are only able to offer renovation loan amounts that are a certain multiple of your annual income. You will only be able to use the money for specific renovation works such as structural alterations or plumbing services, and the banks are entitled to conduct site visits to ensure you are using the loan proceeds are being used for these purposes.

CFI’s renovation loan, on the other hand, extends its special-purpose criteria beyond that to even home or office equipment purchase needs. This is because we simply want to help you to achieve the environment you desire, no matter what is required. We also guarantee a quick and simple application process that will ensure the agreed loan amount is disbursed to you immediately after your documents are reviewed and approved, usually within an hour after submission.

To be eligible, you must:

• Be at least 18 years of age
• Be a Singapore citizen/Permanent Resident, or a registered property owner in Singapore

No, we will try to accommodate to your needs, no matter how what your monthly or annual income may be. However, do note that the total loan amount that we grant under this programme may vary depending on salary range and other documents supplied to us.

To be apply, we will require:

• One form of ID, e.g. National Registration Identity Card (NRIC) or passport
• Your latest payslip, income tax notice; OR
• Documents reflecting your past 12 months’ CPF contributions
• Renovation quotations or any related bills or purchase invoices

Once your application has been submitted with all the required documents, it will take up to an hour for your loan application to be reviewed and approved. Upon approval we will issue you a cheque, cash, or bank transfer, depending on your preference.

No, so long as you provide and meet our abovementioned requirements. After receiving and reviewing your documents, we will determine if your preferred loan amount will be granted, or otherwise, suggest an alternative amount for your consideration.

Three years is generally the maximum loan duration period we advise as the longer your loan tenor is, the more interest is incurred. Our objective is to ultimately help our customers to ease their financial burdens, without having to accumulate unnecessary interest in the long run and after repaying their loan and interest, enjoy a debt-free status.

Yes. You may indicate your preferred tenor, although it is subject to our review and approval while we process your loan request.

Yes. We will not charge an early repayment fee, and any outstanding interest owed to us will be waived should you settle the owed amount earlier than agreed.

You may consolidate your renovation loan with CFI, along with other loans you have taken out with other financial institutions and are currently repaying, into our debt consolidation loan programme. To find out more, click here.

Yes, but you may only do so at least one month after the approval of your renovation loan with us.

Every person’s situation is different. When it comes down to customising a loan, we will mainly discuss the following with you your current salary versus your average monthly expenses, followed by what repayment frequency and rates you are comfortable with. These details will allow us to construct an flexible installment plan that best suits your lifestyle and needs.

Special purpose loans, like a home/car mortgage or renovation loan, are designed for specific purposes and therefore come with their own set of terms and interest rates that are suited for the situation.

For example, a payday loan would typically require repayment within 30 days assuming your salary comes in on a fixed day every month. Yet every person and their needs are unique; a salaried worker might wish to take out a payday loan but can only afford to return the amount several months later, due to existing personal obligations or perhaps irregular pay schedules.

Here’s where tailor-made loan services come in to address the conundrum, allowing the borrower to be granted the desired pay day loan but based on his or her own proposed repayment terms, e.g. repayment every 2-3 months or in full at the end of the year, instead of on a monthly basis.

Unlike special purpose loans, there are no restrictions on what the loan proceeds may be used for and how their contract terms may be structured. With our tailor-made loan service, here are just a few of the myriad ways you can utilise your loan to:

• Fund personal and family activities, such as celebrations or vacations
• Pay off tuition fees, or pursue higher education either locally or overseas
• Invest in securities or real estate, or grow your existing investment portfolio to generate higher returns
• Purchase new equipment, vehicles or other facilities
• Start up a new business or finance a passion project

Loan applications may be made with us instantly online and will be processed under an hour post your submission. Unlike most moneylending institutions in Singapore, we also do not charge early repayment fees should you decide to settle your repayment in full ahead of the stipulated timeline.

To be eligible, you simply must be at least 18 years of age.

No. We will try to accommodate to your needs, no matter how what your monthly or annual income may be. However, do note that the total loan amount that we grant under this programme may vary depending on your salary range and other documents supplied to us.

To be apply, we will require:

• One form of ID, e.g. National Registration Identity Card (NRIC) or passport
• Your latest payslip, income tax notice or documents reflecting your past 12 months’ CPF contributions

Once your application has been submitted with all the required documents, it will take up to an hour for your loan application to be reviewed and approved. Upon approval we will issue you a cheque, cash, or bank transfer, depending on your preference.

No, so long as you provide and meet our above mentioned requirements. After receiving and reviewing your documents, we will determine if your preferred loan amount will be granted, or otherwise, suggest an alternative amount for your consideration.

There is no maximum or minimum tenor for our tailor-made loan, as we work with you to decide on the tenor depending on your current situation and financial needs. You may indicate your preferred tenor, although it is subject to our review and approval while we process your loan request.

However, we do advise our clients a maximum tenor of up to three years because the longer you loan tenor is, the more interest will be incurred. Anything longer is generally not recommended as we wish to help you to achieve debt-free status as early as possible by avoiding having to accumulate unnecessary interest.

May I fully repay the loan at any time before my tenor ends, when I have available funds?

Yes. We will not charge an early repayment fee, and any outstanding interest owed to us will be waived should you settle the owed amount earlier than agreed.

You may consolidate your loan with CFI, along with other loans you have taken out with other financial institutions and are currently repaying, into our debt consolidation loan programme. To find out more, click here.

Yes, but you may only do so at least one month after your current tailor-made loan has been approved.

Instant, readily available cash can be incredibly useful especially when you are grappling with cash flow problems, such as to pay overdue utility bills or rental owed, or should unforeseen situations like a medical emergency arise. Our fast cash loan is here to address your short-term, urgent needs – without having to worry about going through the hoops of the banking system.

Depending on the bank, most financial institutions offering personal loan products will require you to have a minimum monthly income or clean credit history, among other requirements, to qualify as potential low applicant. Banks generally will also require applicants to wait several days, or sometimes even weeks, for their loan requests to be approved due to a stringent documentation process.

Capital Funds Investments is an established, licensed fast cash loan provider with a stellar track record of satisfied clients. We require only the bare minimum of documentation for an application to be made for a fast cash loan, and offer a streamlined, fast-response application process that is kept to under an hour so that our clients’ cash loan needs may be met as soon as possible.

To be eligible for a fast cash loan, you must:

• Be 18 years old or above as of the date of application
• Be a Singapore Citizen or Permanent Resident with a valid work permit

No. However, the total loan amount that we grant under this programme will depend on your salary and other personal financial information that you may supply us.

To be apply, we will require:

• National Registration Identity Card or passport
• Employment confirmation letter or certificate of employment
• Payslips reflecting your income over the last three months
• Latest billing proof such as bank statements, mobile phone bills, etc.
• Tenancy agreement (if your current residence is rented)

Once your application has been submitted with all of the required documents, it will only take a hour or less for your loan application to be reviewed and approved, after which we will issue you a cheque, cash, or bank transfer depending on your preference.

No, so long as you provide and meet our abovementioned requirements. After receiving and reviewing your documents, we will determine if your preferred loan amount will be granted, or otherwise, suggest an alternative amount for your consideration.

The maximum tenor for our fast cash loan is three years. You may indicate your preferred tenor, although it is subject to our review and approval while we process your loan request.

Yes. We will not charge an early repayment fee, and any outstanding interest owed to us will be waived should you settle the owed amount earlier than agreed.

You may consolidate your fast cash loan with CFI, along with other personal loans you have taken and are currently repaying, into our debt consolidation loan programme. To find out more, click here.

Yes, but you may only do so at least one month after the approval of your fast cash loan with us.

A payday loan is short-term loan that is considerably smaller than a personal loan, and therefore should be paid off within a shorter period. This also means it comes with a comparatively higher interest rate compared to other loan products and depending on the borrower’s income and profile.

To be eligible for a payday loan, you must:

• Be 18 years old or above as of the date of application
• Be a Singapore Citizen or Permanent Resident with a valid work permit

No. We will do our best to accommodate your payday loan requirements so that you can make repayment as soon as possible at the lowest interest rates available.

Prior granting your application, our financial service experts will sit down with you to discuss your needs clearly to ensure how much you can afford, as well as produce a suitable timetable for the loan repayment. We also provide the flexibility of allowing you to choose which day you will require a “pay day” the most.

To be apply, we will require:

• NRIC / Employment pass
• Income Tax Notices of Assessment
• Latest pay slip

Once your application has been submitted with all of the required documents, it will take a maximum of 30 minutes for your loan application to be reviewed and approved, after which we will issue you a cheque, cash, or bank transfer, depending on your preference.

No, so long as you provide and meet our abovementioned requirements.

However, when taking a payday loan you should also consider your current lifestyle and earnings. For example, one who earns $5,000 a month should not be taking a payday loan amounting to more than that amount, especially if he/she does not have any savings or other funding sources to fall back on.

The maximum tenor for our pay day loan is one month. You may indicate your preferred tenor, although it is subject to our review and approval while we process your loan request.

Yes. We will not charge an early repayment fee, and any outstanding interest owed to us will be waived should you settle the owed amount earlier than agreed.

You may consolidate your payday loan with CFI, along with other personal loans you have taken and are currently repaying, into our debt consolidation loan programme. To find out more, click here.

Yes, but you may only do so at least 1 week after the approval of your payday loan with us.

Bridging loans are commonly used in-between the buying and selling of property, to “bridge” the gap between the homebuyer’s new mortgage and the price of a new home, before selling his/her existing property.

In business terms, a bridging loan may be taken out to provide a company temporary working capital for operating payables, e.g. to cover the expense of staff salaries while the business is awaiting new funds from a recent sale to come through.

Like any other loan, a bridging facility comes with interest charges and the loan amount is determined by various conditions, such as the valuation of the property you are seeking to buy. However, this are meant to be a temporary stop-gap measure and therefore tend to be more short-term than a typical home mortgage, which can span anywhere from 10-30 years.

You may also repay the bridging loan together with the interest in full at the end of the agreed term, instead of through monthly instalments that are typical of repayment plans for regular loans.

While bridging facilities that are offered by most financial institutions are typically short-term ranging from a month and up to a year, we believe in employing flexibility as each person’s financial situation and bridging needs are different. During the process, our team of expert financial consultants will help you assess your loan application details to create a custom bridging loan solution with repayment terms, loan tenor and interest rates – all of which are negotiable to your benefit.

Loan applications may be made with us instantly online and will be processed under an hour post your submission. Unlike most moneylending institutions in Singapore, we also do not charge early repayment fees should you decide to settle your repayment in full ahead of the stipulated timeline.

To be eligible, you must:

• Be at least 18 years of age
• Be a Singapore citizen/Permanent Resident

No, we will try to accommodate to your needs, no matter how what your monthly or annual income may be. However, do note that the total loan amount that we grant under this programme may vary depending on your salary range and other documents supplied to us.

To be apply, we will require:

• One form of ID, e.g. National Registration Identity Card (NRIC) or passport
• Your latest payslip, income tax notice; OR
• Documents reflecting your past 12 months’ CPF contributions
• Quotations, receipts, bills or invoices in relation to your bridging finance needs

As our financial consultants work out a bridging loan and repayment plan for you during the application process, you may offer collateral, such as assets, should you wish to apply for a secured bridging loan. However, this is not mandatory, and we do offer unsecured bridging loan options as well.

Once your application has been submitted with all the required documents, it will take up to an hour for your loan application to be reviewed and approved. Upon approval we will issue you a cheque, cash, or bank transfer, depending on your preference.

No, so long as you provide and meet our abovementioned requirements. After receiving and reviewing your documents, we will determine if your preferred loan amount will be granted, or otherwise, suggest an alternative amount for your consideration.

The maximum tenor for our bridging loan is three years. You may indicate your preferred tenor, although it is subject to our review and approval while we process your loan request.

Yes. We will not charge an early repayment fee, and any outstanding interest owed to us will be waived should you settle the owed amount earlier than agreed.

You may consolidate your bridging loan with CFI, along with other loans you have taken out with other financial institutions and are currently repaying, into our debt consolidation loan programme. To find out more, click here

Yes, but you may only do so at least one month after your bridging loan has been approved.

Most personal or fast cash loans offered by financial institutions, such as banks and local moneylenders, are exclusive to Singaporean citizens and Permanent Residents. We at CFI understand that foreigners in Singapore may therefore face difficulties in obtaining personal loans in times of need; and even if they do, it may take a while before loan is approved for you to get a hold of the money.

To be eligible for a loan as a foreigner, you must:

• Be 18 years old or above as of the date of application
• Have a valid work permit

No. We will do our best to accommodate your loan requirements, and assess your profile and financial information to ensure you are able to make repayment as soon as possible at the lowest interest rates available.

To be apply, you will need to provide your:

• Employment pass
• Passport
• Employment or confirmation letter
• Pay slips form the past three months
• Tenancy agreement if your current place of residence is rented

Once your application has been submitted with all of the required documents, it will take a maximum of 30 minutes for your loan application to be reviewed and approved, after which we will issue you a cheque, cash, or bank transfer, depending on your preference.

No, so long as you provide and meet our abovementioned requirements. You may state your preferred amount, and we may or may not grant this after assessing the documents provided by you.

The maximum tenor for the foreigner loan is one year. You may indicate your preferred tenor, although it is subject to our review and approval while we process your loan request.

Yes. We will not charge an early repayment fee, and any outstanding interest owed to us will be waived should you settle the owed amount earlier than agreed.

You may consolidate your foreigner loan with CFI, along with other personal loans you have taken and are currently repaying, into our debt consolidation loan programme. To find out more, click here.

Yes, but you may only do so at least one month after the approval of your foreigner loan with us.