In a world where mass production and cookie-cutter services and products have become the new norm, ‘bespoke’ is becoming the new gold standard across consumer industries of every kind, from fashion to art, to property and business solutions. Previously a concept that was common in the suit, shirt and shoe making community, today you’ll find that a truly value-added business will always allow the option of customisation: a solution or product that has been designed to cater to your preferences and needs alone.
Capital Funds Investments is established moneylender that is not only licensed by Singapore’s Ministry of Law (MinLaw) but also has a long track record of catering to various business, personal and bridging loan needs. We pride ourselves in an extensive repertoire of loan facility products which have helped us establish and grow our base of satisfied and returning clients over the years.
Even if you can’t seem to find the right special purpose loan you’re looking for in our long list of offerings, our team of experienced, qualified financial professionals will be able to tailor-make one to suit your specific needs and requirements.
This means, but is not limited to:
As we will be generating a custom, personalised loan plan from scratch, it is best that we first speak to you personally to understand your current situation and desired borrowing terms before we work out and propose a tailor-made loan for you.
Simply fill in the loan application form online here, or get in touch with us for a free, no-obligation consultation for us to get to know you better, and our loan specialists will be in touch with you shortly to proceed with drafting an option that best suits your needs.
Our doors are always open to customers regardless of their past defaults, and even business or credit histories.
However, we do require you to:
You will also be asked to submit the following:
Traditional banking and credit facilities often reject loan applicants for myriad reasons, for example if they do not meet the minimum loan amount and salary requirements, or due to the individual’s poor credit background. They also tend to require an exhaustive list of personal and financial documentation such as certificates and tax notices, all of which may take weeks or sometimes even several months to process.
CFI believes that everyone deserves a chance to gain, or better still, remain in control of their financial future – which is why we have often approved loan application requests even from candidates who are used to rejection from conventional lenders, with the goal of helping them eventually turn their lives or businesses around. Neither do we ask our applicants to jump through hoops to have their loan request granted, as we strive to disburse funds to you as quickly as possible with a fast, reliable tailor-made loan product to meet any pressing financial needs in a timely manner.
While Singapore continues to grapple with the rapidly evolving economy as well as an onset of the post-Covid-19 ‘new normal’, more individuals and households are finding themselves in financial distress with limited external aid or insufficient savings, making it extremely difficult for them and their families to make ends meet. As a reliable, trusted moneylender with over a decade of operating experience in the local finance industry, Capital Funds Investments is always looking into improving and innovating our loan products to better serve our customers with empathy and a personal touch.
Connect with us by filling up the application form or emailing email@example.com to discover how you can tailor-make a loan package with us so that you may start living, spending and saving more wisely today.
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A tailor-made loan implies that all terms and conditions that come with the loan – from the duration to the repayment terms, and even the interest rate – are completely flexible and may be adjusted according to your personal requirements and preferences.
If you can’t seem to find the right loan product from you on our website, tell us more about your situation and why you think you require a loan, and our financial specialists will be able to curate a loan programme that’s just for you.
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:
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:
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.