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Tell us about the situation.

Brief us before we get on a call, so the conversation starts with the specifics rather than the basics. We answer every enquiry within 48 hours.

Frequently asked questions

Getting loans wasn't taught in school.

So here are the questions people actually ask us, answered plainly — including the ones without a comfortable answer.

About Fundwise
What is Fundwise?
We are the intermediary between you and the financial institution. We rely on our financing expertise and banking experience to help you apply for the loan that best matches your needs. Because we do not work for any lender, the suggestions you get are unbiased.
Do we get our loans from you directly?
No. Fundwise is not a financial institution and does not itself provide loans. We guide and advise you on the application, and facilitate the process so you end up with the right loan for your needs.
How can we get financing advice from you?
Leave us a message through the contact form or WhatsApp. We answer every enquiry within 48 hours, and from there we arrange a conversation to work through the specifics of your situation.
What does it cost to ask?
Nothing. There is no cost or obligation in the initial conversation, and we will tell you plainly if the honest answer is that the business should not borrow right now.
About loans
How long will the whole process take?
It depends on the institution and the urgency of your situation. It can be as fast as a week, or closer to a month. We cannot promise a timeline, because the institution controls it, not us.
How much can I borrow?
That depends on your position and the purpose of the loan. Our job is to help you obtain the right amount, at a rate and duration that match your situation — not the largest number available.
What documents do I need?
Typically two years of financial statements, six months of bank statements, your ACRA business profile, and any existing facility letters. Banks are usually more stringent but price lower; other licensed institutions can be more flexible at a higher rate.
What is the difference between a flat rate and an effective rate?
A flat rate is charged on the original amount for the whole term. An effective rate is charged on what you still owe, which falls each month. A 4% flat rate is roughly a 7.5% effective rate — always ask for both before comparing offers.

Frequently Asked Questions

Getting loans wasn't taught in school, so we're here to answer your questions.

What is Fundwise?

Think of us as the middleman between the financial institution and yourself. We rely on our financing expertise and our banking experience to help you apply for the most suitable loan that will match all of your financing needs. With us, you'll only get fair and unbiased suggestions - because we don't work for any moneylenders.

Do we get our loans from you directly?

Fundwise isn't a financial institute. We are here to guide and advice you on your loan application, as well as facilitate the process to ensure you get the right loan for your needs.

How can we get financing advice from you?

We stick to one strict communication process. Simply contact us by leaving a message and we all get back to all enquiries within 48 hours. There on out we will be arranging for another meeting where we can work out the specifics of your situation.

How long will the whole process take?

Depends on the moneylender, and of course the urgency of your situation. We will pair you with the right moneylender at the right interest rates. It can take as fast as a week, or even up to one month. It all varies with individuals.

How much can I loan?

First, we'll need to know your situation better as well as the intention of the loan. What we're here to do is to help you obtain the right loan, for the right amount, at the right interest rate, and within the right duration that matches your urgency.

What documents do I need?

Once again, the specifics of the loaning process will depend heavily on both your needs and your situation. Banks are usually more stringent with their processes, but offer lower interest rates. Authorised moneylender may grant you more lax, but will usually incur a higher interest rate. Our job is to help you reconcile both and get the ideal loan.

Tell us what you need.

One form for everything — financing enquiries, partnership referrals, and anything else. Tell us what it is about and it reaches the right person. We answer every enquiry within 48 hours.

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