VeFi is a Singapore-based private finance broker connecting individuals and business owners with the right loan across all major banks. Property equity cashout, working capital, business term loans, trade factoring, and personal loans — we find you the best deal, not just the first offer.
A private finance broker — also called a loan broker or mortgage broker — is an intermediary who works on your behalf to source, compare, and arrange financing from banks and financial institutions. Rather than walking into a single bank and accepting whatever they offer, a broker gives you access to multiple lenders simultaneously.
In Singapore, the finance brokerage industry serves individuals, property owners, and SME business owners who need loans but want independent advice rather than a bank's in-house sales team guiding their decision.
VeFi is a Singapore-based private finance broker operating across five core loan products — all structured through MAS-regulated banks including DBS, OCBC, UOB, Standard Chartered, Maybank, CIMB, and Hong Leong Finance.
Important: VeFi is a loan brokerage intermediary — we connect borrowers with MAS-regulated banks and financial institutions. We are not a moneylender. All lending partners are fully licensed under MAS. VeFi will never ask for your SingPass credentials, upfront processing fees, or bank account passwords.
Borrow against your private condo, landed property, or commercial unit. From 3%–4% p.a. No income check at ≤50% LTV. Suitable for retired owners and business owners alike.
Short-term business financing for payroll, inventory, and operations. Disbursed in 1–3 business days. No property collateral required.
Structured financing for business expansion, equipment, or acquisition. Up to $500K–$1M+ for established businesses with operating history.
Convert outstanding B2B invoices into immediate cash. Approved in 24–48 hours. Based on your customers' creditworthiness, not yours.
Competitive personal loans for medical, renovation, education, or emergency needs. Compare rates across all major Singapore banks.
VeFi serves four main customer groups across Singapore:
| Customer Type | Typical Need | Best Product |
|---|---|---|
| Private property owners | Unlock equity for business or personal use | Property equity cashout |
| Retired / asset-rich borrowers | Access cash without income stress test | Equity cashout ≤50% LTV |
| SME / business owners | Working capital, expansion, invoice gaps | Working capital / trade factoring |
| Salaried individuals | Personal financing for any purpose | Personal bank loan |
We serve property owners and business founders across Singapore — from Orchard, River Valley, and Bukit Timah to Tampines, Jurong, Woodlands, Sengkang, and Toa Payoh. Whether you own a condominium in the city fringe or a shophouse in Tanjong Pagar, VeFi can assess your options across all major banks.
Tell us what you need in plain language. No forms or documents required at this stage. We respond within 48 hours with a clear picture of your options.
We assess your profile — property value, outstanding mortgage, CPF usage, income structure, existing debts — and identify which banks offer the best terms for your situation.
No jargon, no fine print buried in footnotes. We show you which banks, what rates, what the monthly repayment looks like, and our recommendation.
Once you choose a direction, we prepare and submit the application. We manage the process so you don't have to chase anyone.
Property equity loans: 4–8 weeks. Business term loans: 1–3 weeks. Working capital: 1–3 business days. Personal loans: 3–7 business days.
A private finance broker is a licensed intermediary who connects borrowers with banks and financial institutions. Unlike going directly to a bank, a broker compares options across multiple lenders to find the best rate, structure, and terms for your specific profile. VeFi operates as a loan brokerage, working with all major Singapore banks regulated by MAS.
VeFi charges a brokerage fee upon successful loan placement. There are no upfront fees or charges before your loan is approved and disbursed. Fee details are discussed transparently during your assessment.
Yes — in fact, self-employed and retired borrowers benefit most from using a broker. Banks treat variable and irregular income differently, and a broker knows which lenders are most favourable for complex income profiles. For property equity cashout specifically, keeping LTV at or below 50% triggers a MAS TDSR exemption — meaning income is not assessed at all.
VeFi compares across DBS, OCBC, UOB, Standard Chartered, Maybank, CIMB, and Hong Leong Finance — giving you genuine market-wide comparison rather than a single bank's product range.
No — they are completely different. A private finance broker like VeFi arranges loans through MAS-regulated banks and financial institutions. A moneylender is a separate, licensed entity regulated by the Ministry of Law that lends its own capital, typically at higher rates. VeFi is a broker, not a moneylender, and does not lend money directly.
A bank relationship manager works for the bank and can only offer products from that bank. A finance broker like VeFi works for you, comparing options across all major banks to find the best deal for your situation. This is particularly valuable for complex cases — multiple properties, irregular income, or large loan quantum — where different banks have very different policies.
We respond to all WhatsApp enquiries within 48 hours with a clear assessment of your options. No documents are required to begin — just a brief description of your situation and what you're looking to achieve.
For more detail on specific loan products and Singapore financing rules, see our Insights guides:
Free assessment. 48-hour response. No documents needed to begin.