Minterest brings to you, the first-of-its-kind #fintech experiential store in Singapore.

Visit us to start your journey in the future of financial services. Take the chance to find out how you can plan ahead for your financial needs and goals.

Make your next investment anytime, anywhere

Take managing your investments to another level when you download our app! Easily access and manage your portfolio, plus get instant notifications when deals launch.

Access Institutional Grade Real Estate Investments from S$2,000

Tap into exclusive global private real estate investment opportunities. Co-invest with large institutional real estate investors and managers and enjoy higher risk-adjusted returns that were only available to institutions previously.

Earn up to 15% p.a. on Corporate Loan Investments

Tap into promising credit investment opportunities through our innovative products and structures. Vetted and managed by an experienced team. You invest, Minterest handles the rest.  

Get 2% cashback on your first e-wallet deposit!

Here’s our welcome gift from us to you! Start your investment journey with Minterest today and receive immediate 2% cashback* on your first e-wallet deposit. T&Cs apply.!

How well do you know your financial well-being?

Take 5 minutes to discover your investment profile, risk appetite, financial needs and goals through our complimentary toolkit.

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Leading Digital Investment Platform - Unlocking institutional-grade real estate and corporate investment opportunities
Minterest has launched our investor mobile app! It's time to manage your investments on the go.
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Over S$200 Million raised on the Minterest platform

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88% of our deals are funded in a day

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Proprietary credit algorithm

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Backed by ARA

Regulated by MAS

The Minterest Difference

Minterest is a leading digital investment platform which serves as a gateway for corporates and individuals to access financial services solutions and investment opportunities through its digital marketplace platform.

Our aim is to democratise access into alternative investments and offer diversified investment opportunities across various asset classes such as institutional-grade real estate, corporate financing and structured solutions – offering all investors the opportunities to diversify and enhance their portfolios.
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Key Rating Factors
20 – 30%
Assessment of Promoters and Management Team
30 – 50%
Financials – Historical and Forward Looking
20 – 30%
Deal Structuring, Collateral, Corporate Governance and Legal Matters
5 – 15%
Macro-economic Factors and Business Operating Environment

Introducing MintGrade

MintGrade is our proprietary credit scoring model used to determine the unique interest rate given to each funding request. Our data driven model processes over 300 data points, including both quantitative and qualitative factors.
MintGrade Ratings:
Key Rating Factors
20 – 30%
Assessment of Promoters and Management Team
30 – 50%
Financials – Historical and Forward Looking
20 – 30%
Deal Structuring, Collateral, Corporate Governance and Legal Matters
5 – 15%
Macro-economic Factors and Business Operating Environment

Introducing MintGrade

MintGrade is our proprietary credit scoring model used to determine the unique interest rate given to each funding request. Our data driven model processes over 300 data points, including both quantitative and qualitative factors.
MintGrade Ratings:

I am:

Sign Up

Sign up for an Investor account on the Minterest Platform.

Fund Wallet

Once an Investor’s account is verified, funds can be transferred to the Minterest e-wallet.

Invest

Approved funding requests are launched on the Minterest platform. Investors can view full details of each investment opportunity and start investing.

A Better Way to Invest

Sign Up

Sign up for a Borrower account on the Minterest Platform. Submit your loan application and required documents online.

Request

Our team carefully reviews each application. Each funding request is assigned a MintGrade rating and a unique interest rate based on its credit quality.

Get Funded

Approved funding requests are made available on the Minterest platform. Once the loan has been fully funded, it will be disbursed to the business immediately.

Our Financing Solutions

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Over S$200 Million

raised on the Minterest platform

Completed Funding Requests

Real Estate
Short Term fixed Income Investment 

Amount Requested

S$500,000

Tenor

3 months

Interest Rate (p.a.)

6%

Minimum Investment

S$2,000

MintGrade: NA
Real Estate
Premium Property Investment – Fixed Income Notes Series 2

Amount Requested

S$500,000

Tenor

6 months

Interest Rate (p.a.)

5%

Minimum Investment

S$2,000

MintGrade: NA
Loan
Short Term Financing for an IT products distributor

Amount Requested

S$800,000

Tenor

3 months

Interest Rate (p.a.)

8%

Minimum Investment

S$100

MintGrade: B
Loan
Short Term Financing for an industrial parts supplier

Amount Requested

S$100,000

Tenor

8 months

Interest Rate (p.a.)

15%

Minimum Investment

S$100

MintGrade: C
Invoice Financing
Invoice Financing for a local general contracting company

Amount Requested

S$111,000

Tenor

2 months

Interest Rate (p.a.)

6%

Minimum Investment

S$100

MintGrade: AA
Invoice Financing
Invoice Financing for a robotics company

Amount Requested

S$100,000

Tenor

2 months

Interest Rate (p.a.)

12%

Minimum Investment

S$100

MintGrade: C

View More Funding Requests

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Awards

Latest News

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ARA, John Lim make foray into fintech with majority stake in Minterest

Minterest is pleased to announce that ARA Asset Management has, together with Mr. John Lim jointly acquired a majority stake in Minterest Group. ARA is a leading Asia Pacific real assets fund manager with a global reach and gross assets under management of S$88 billion. The investment in Minterest reflects ARA’s forward-looking take on fintech and the role of real estate digitalisation in the future economy.

Read More >

See Our News >

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ARA-backed Minterest sells out first real estate investment product in 11 minutes

Minterest has launched its very first real estate short term fixed income facility, backed by a secured mezzanine debt financing product, by way of co-investment with Straits Real Estate (SRE). This first deal was fully subscribed in just 11 minutes after launch! We are immensely grateful for the huge amount of support and trust that our Investors have in Minterest.

Read More >

See Our News >

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SME Help Fund upsized to S$8 million

Minterest is honoured to be facilitating this worthy initiative -a SME Help Fund set up by ARA, Straits and JLFO. The S$8 million fund will assist Singapore SMEs with short term loans during this difficult COVID-19 outbreak. Minterest will process loan applications on behalf of the SME Help Fund and disburse funds to approved applicants.

Read More >

See Our News >

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Download the Minterest App

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20 – 30%
Assessment of Promoters and Management Team

Our assessment includes both quantitative and qualitative factors, for example: management’s years of experience in the industry, number of years operating as a business owner, guarantors’ credit bureau reports as well as the management’s ability to react to various scenarios beyond their control. 
30 – 50%
Financials – Historical and Forward Looking

Historical financial profile is an important indicator of how well a borrower has performed in the past, and track record often provides a useful indication of how a borrower could perform in the future. We typically use at least two years’ of historical financial information in our analysis. Forward looking financial profile provides an indication of the ability of the borrower to repay its debt obligations. Our model focuses on free cash flow, earnings, capital structure and leverage of the borrower.
20 – 30%
Deal Structuring, Collateral, Corporate Governance and Legal Matters

Properly structured loans go a long way to ensure repayment risks are mitigated. The availability of legally perfected collateral offers an additional layer of security to the lenders. The existence or otherwise of litigation, and other adverse matters, may negatively or adversely affect a borrower’s ability to generate sufficient cash flows to meet its obligations. Corporate governance is also an important aspect in our analysis.
5 – 15%
Macro-economic Factors and Business Operating Environment

Macro-economic factors may play a part in the success or failure of a business and affect a borrower’s ability to generate sufficient cash flow to service its debts. Quantitative data derived from governmental and third party independent sources is embedded into our assessment. These include both historical and forward-looking information. Market positioning and industry outlook are also taken into account.
Shaun Tan

Loan Executive

With 6 years of financial planning experience, Shaun has helped many individual and corporate clients achieve their goals. 

Shaun is passionate about life and adventure, and is a licensed divemaster who enjoys bringing the joy of the underwater world to others.