From your first message to funds in your account — here's exactly what happens when you work with VeFi. No surprises, no runaround.
Start Your Free Assessment →WhatsApp us at +65 8629 0288 or fill in our contact form at vefi.sg/contact. No documents needed at this stage — just a brief description of what you're looking for.
Whether it's a property equity cashout, working capital for your business, a personal loan, or trade factoring — tell us the situation in plain language. Our team will respond same day.
Our team reviews your situation and works out what's realistically available — loan quantum, likely rates, tenure, and which banks are the best fit for your profile.
For property loans, we'll factor in your property type, outstanding mortgage, CPF usage, and TDSR position. For business loans, we'll look at your revenue, operating history, and existing liabilities.
We come back to you with a clear summary — which banks, what rates, what the monthly repayment looks like, and our recommendation. No jargon, no fine print buried in footnotes.
You ask questions. We answer them. You decide whether to proceed — and which option fits best. There's no pressure and no obligation to go ahead.
Once you choose a direction, we prepare and submit the application on your behalf. We know exactly what each bank needs — and how to present your case to maximise approval chances and minimise back-and-forth.
Once approved, the bank issues a formal Letter of Offer. You'll review this with a solicitor (standard for any mortgage instrument) before signing. For property loans, solicitors register the mortgage and disburse funds shortly after.
For personal loans and working capital, disbursement is typically faster — often within a few business days of approval.
Unlock cash from your private condo, landed property, or commercial unit. From 3% p.a.
Short-term business financing to manage cash flow, payroll, and operations.
Structured financing for business growth, equipment, or expansion across Singapore.
Turn outstanding invoices into immediate cash. Stop waiting 30–90 days for payment.
Competitive personal loans for medical, education, renovation, or emergency needs.
Our fees are discussed transparently during your assessment — speak to us to find out more.
We do not run any credit checks during the assessment phase. A formal credit bureau check only happens when the bank runs its own application — we advise you before that stage.
No — HDB rules do not allow flat owners to use a paid-up HDB as collateral for private credit. However, HDB owners can still access personal loans, business term loans, or trade factoring. We'll recommend the best alternative for your situation.
We work across all major Singapore banks including DBS, OCBC, UOB, Standard Chartered, Maybank, CIMB, and Hong Leong Finance — giving you genuine market-wide comparison, not just one or two options.
Self-employed applicants are assessed using 2 years of Notice of Assessment (NOA) from IRAS. For property equity cashout, keeping the LTV at or below 50% triggers a MAS exemption from TDSR — meaning income documentation is less critical. We'll structure your application accordingly.
VeFi operates as a loan referral and brokerage intermediary in Singapore, connecting borrowers with MAS-regulated banks and financial institutions. All lending partners are fully licensed under MAS.
Free assessment, same-day response. No documents needed to begin.