ⓘ PHISHING SCAM ALERT – There are ongoing phishing scams impersonating our social media and email accounts. Our official social media accounts on Facebook are @Minterest.sg and @SDAX.co, and Linkedin are @SDAX Exchange and @Minterest. Our official email domains are minterest.sg, [email protected] and sdax.co.

Please DO NOT click on any links in social media ads which could be phishing links that lead you to fake SDAX Minterest websites. Please also DO NOT respond to any emails that are not from our official domains. Should you require any clarifications, please write to [email protected] or contact your relationship manager.

Log In
Sign Up
Log In
Sign Up
Linkedin Facebook-square Instagram Youtube Twitter

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.

Get Started
Learn More

Company Name Change Announcement

We are excited to announce that our company name has changed from Minterest Pte. Ltd to SDAX Capital Markets Pte. Ltd.

Learn more
Previous
Next
fast clock icon

88% of our deals are funded in a day

calculator icon

Proprietary credit algorithm

money raise icon

Over S$298 Million raised on the Minterest platform

mas logo

Regulated by MAS

Reputable Backers

ara logo

ARA Asset Management Limited

The Straits Trading Company Limited

PSA International

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.
circle

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
Read more
30 – 50%
Financials – Historical and Forward Looking
Read more
20 – 30%
Deal Structuring, Collateral, Corporate Governance and Legal Matters
Read more
5 – 15%
Macro-economic Factors and Business Operating Environment
Read more

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
Read more
30 – 50%
Financials – Historical and Forward Looking
Read more
20 – 30%
Deal Structuring, Collateral, Corporate Governance and Legal Matters
Read more
5 – 15%
Macro-economic Factors and Business Operating Environment
Read more

I am:

circle
circle

Over S$298 Million

raised on the Minterest platform

Completed Funding Requests

Group 7
Group 8
Group 9
Group 422
Group 2
Previous
Next
Real Estate
Short Term fixed Income Investment 

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

Tenor

6 months

Interest Rate (p.a.)

5%

Minimum Investment

S$2,000

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

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

Interest Rate (p.a.)

15%

Minimum Investment

S$100

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

Tenor

2 months

Interest Rate (p.a.)

6%

Minimum Investment

S$100

MintGrade: AA
Invoice Financing
Invoice Financing for a robotics company

Tenor

2 months

Interest Rate (p.a.)

12%

Minimum Investment

S$100

MintGrade: C

View More Funding Requests

Sign Up
Track Record

Featured In
Previous
Next

Awards
Previous
Next

Latest News

business executives
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 >

man reading the business times
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 >

top view of canteen
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 >

Previous
Next

Get Started With the Minterest App

Or simply
Sign Up

Sign up for our Newsletter

Get notified about our upcoming deal launches, events and announcements!


download on the app store badge
google play store badge
Linkedin Facebook-square Instagram Youtube Twitter
Contact Us
Services
Resources
Legal

Minterest Private Limited is incorporated in Singapore with registration no. 201607263W and holds a Capital Markets Services licence (CMS100573) issued by the Monetary Authority of Singapore (“MAS”) to deal in securities under the Securities and Futures Act, Cap 289 (“SFA”). All fundings arranged via our Platform, unless expressly stated, are made under the “small offers exemption” as prescribed under section 272A, “private placement exemption” as prescribed under section 272B, or “accredited investors and other certain persons exemption” as prescribed under section 275 of the SFA and is not made in or accompanied by a prospectus that is registered by the Monetary Authority of Singapore. We do not and will not perform any other activity that is regulated under any applicable Singapore law. In particular, we do not provide any form of investment advice or recommendation to any person. All data available on this website is strictly for information purposes only and should not be regarded as an offer, solicitation, invitation, advice or recommendation on our part to buy or sell any securities or other capital markets product or financial services. We make no representation or warranty (express or implied) as to the accuracy, completeness or quality of any information on this website. Users of this website are advised to seek independent financial, tax and legal advice or make such independent investigations as appropriate in connection with their use of this website. By using this website, you agree to be bound by our Website Terms of Use. 

© 2022 SDAX Capital Markets Private Limited. ‘SDAX Minterest’ is the trading name of SDAX Capital Markets Private Limited. All Rights Reserved.

Linkedin Facebook-square Instagram Youtube Twitter
download on the app store badge
google play store badge
Contact Us
Services
Resources
Legal

Minterest Private Limited is incorporated in Singapore with registration no. 201607263W and holds a Capital Markets Services licence (CMS100573) issued by the Monetary Authority of Singapore (“MAS”) to deal in securities under the Securities and Futures Act, Cap 289 (“SFA”). All fundings arranged via our Platform, unless expressly stated, are made under the “small offers exemption” as prescribed under section 272A, “private placement exemption” as prescribed under section 272B, or “accredited investors and other certain persons exemption” as prescribed under section 275 of the SFA and is not made in or accompanied by a prospectus that is registered by the Monetary Authority of Singapore. We do not and will not perform any other activity that is regulated under any applicable Singapore law. In particular, we do not provide any form of investment advice or recommendation to any person. All data available on this website is strictly for information purposes only and should not be regarded as an offer, solicitation, invitation, advice or recommendation on our part to buy or sell any securities or other capital markets product or financial services. We make no representation or warranty (express or implied) as to the accuracy, completeness or quality of any information on this website. Users of this website are advised to seek independent financial, tax and legal advice or make such independent investigations as appropriate in connection with their use of this website. By using this website, you agree to be bound by our Website Terms of Use. 

© 2021 Minterest Private Limited. ‘Minterest’ is a trading name of Minterest Private Limited. All Rights Reserved.

Scroll to Top
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.