MoolahSense
MoolahSense (now Infund) is a Singapore-based MAS-regulated online marketplace lending platform that connects SMEs seeking loans of up to S$5,000,000 with individual investors, earning commissions on successfully funded loans across three product lines: SME Financing, Sustainable Financing, and INShield Investing.
- Company typePrivate
- Founded2013
- HeadquartersSingapore, Singapore
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What MoolahSense does
MoolahSense, now operating as Infund under the legal entity IN Fund Pte. Ltd., is a Singapore-based online marketplace lending platform that intermediates capital between SMEs seeking financing and individual investors seeking returns. The platform allows registered SMEs to request loans of up to S$5,000,000 and registered investors to allocate capital into those loans, with origination, servicing, and repayment handled digitally through the web portal at lending.infund.co.
The platform's product surface consists of three core offerings: SME Financing (general business loans up to S$5,000,000), Sustainable Financing (green/SME thematic loans), and INShield Investing (an investor protection construct designed to safeguard principal in marketplace lending transactions). The company holds Capital Market Services License CMS-100568-1 issued by the Monetary Authority of Singapore, which underpins its regulated operating posture and is central to its credibility with both supply (investor) and demand (SME borrower) sides of the marketplace.
MoolahSense monetizes via a marketplace commission model on successfully funded loans, earning a take rate on transactions facilitated through the platform. Go-to-market is product-led and self-serve: SMEs and investors register directly through the web portal, with marketing concentrated on Facebook, LinkedIn, and the company blog. The addressable customer base is segmented vertically (Singapore SMEs) on the borrow side and by persona (individual investors) on the lend side, with geographic scope confined to Singapore and headcount in the 11–50 range.
MoolahSense firmographics
Firmographics- Name
- MoolahSense
- Legal name
- IN Fund Pte. Ltd.
- Website
- https://moolahsense.com
- Company type
- Private
- Founded year
- 2013
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- MoolahSense (now Infund) is a Singapore-based MAS-regulated online marketplace lending platform that connects SMEs seeking loans of up to S$5,000,000 with individual investors, earning commissions on successfully funded loans across three product lines: SME Financing, Sustainable Financing, and INShield Investing.
- Ownership category
- akta.pro rank
MoolahSense industry classification
Industry- Product category
- Marketplace Lending Platform
- NAICS
- Securities, Commodity Contracts, and Other Financial Investments and Related Activities (523), Other Financial Investment Activities (5239), Finance and Insurance (52), Portfolio Management and Investment Advice (523940)
- SIC
- Security & Commodity Brokers, Dealers, Exchanges & Services (6200), Investment Advice (6282), Finance Services (6199)
- akta.pro primary industry
- Marketplace / Multi-Lender POS Financing Aggregators (FSAGAIAJ)
Keywords
Where MoolahSense is headquartered
LocationHeadquarters
- HQ city
- Singapore
- HQ country
- Singapore
- HQ region
- Asia
Offices1 record
Markets served
MoolahSense business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Operations, Personnel, Marketing or Sales, Others
Revenue model
- Marketplace Lending Commission: Platform facilitates loan transactions between SMEs and investors, earning fees or commissions on successfully funded loans. The marketplace model connects borrowers seeking financing with investors seeking returns.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Business financing up to S$5,000,000 |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels4 records
MoolahSense product offering
Product offeringCore offering
MoolahSense (now operating as Infund) is a Singapore-based online marketplace lending platform that connects SMEs seeking business financing with individual investors seeking returns. The platform facilitates crowd-sourced loans of up to S$5,000,000 and offers investment protection through the INShield Investing feature, along with sustainable financing options for environmentally-focused businesses. The platform operates under a Capital Market Services License (CMS-100568-1) regulated by the Monetary Authority of Singapore.
Product overview
Infund (IN Fund Pte. Ltd.) is an online marketplace lending platform that operates as a single unified platform connecting creditworthy SMEs seeking loans with investors seeking returns. The platform architecture consists of three core offerings: INShield Investing provides investment protection features for lenders; SME Financing enables businesses to access loans up to S$5,000,000; and Sustainable Financing supports green business initiatives. The platform digitizes finance by facilitating crowd-sourced loans and operates under Monetary Authority of Singapore regulation.
Differentiator
Problem solved
Functional benefit
Products and services
- SME Financing Business financing solution enabling SMEs to raise loans of up to S$5,000,000 through the online marketplace lending platform, providing capital access beyond traditional banking channels.
- INShield Investing Investment protection solution within the Infund platform that safeguards investors' capital in marketplace lending activities.
- Sustainable Financing Green and sustainability-focused financing offerings for SMEs seeking capital for environmentally responsible business initiatives.
Companies that use MoolahSense
Customer profileSegments2 records
Ideal customer profiles2 records
MoolahSense technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
MoolahSense partnerships and signals
Strategic signalScale indicators2 records
Recent moves6 records
Expansion highlights5 records
MoolahSense competitors and assessment
Company assessmentDirect peers
- Validus Capital: Validus is a Singapore-headquartered SME lending platform connecting SMEs with institutional and individual investors. It is a direct marketplace lending peer to MoolahSense/Infund, operating in the same Singapore SME financing segment with comparable take-rate economics.
- Capital Match: Capital Match is a Singapore-based peer-to-peer lending platform providing invoice financing and term loans to SMEs. It directly overlaps with MoolahSense/Infund on the SME borrower side and individual/institutional investor funding, with MAS regulation as a shared regulatory framework.
- Funding Societies (Modalku): Funding Societies is the largest Southeast Asian marketplace lending platform operating in Singapore, Malaysia, Indonesia, Thailand, and Vietnam. It directly competes with MoolahSense/Infund on SME financing and retail investor funding in Singapore, with a similar P2P/crowd-lending marketplace model and MAS-regulated operations.
- Crowdo (formerly Crowdonomic): Crowdo was a Singapore and Indonesia-based P2P lending marketplace focused on SME financing. It directly competed with MoolahSense/Infund in the same regulatory and customer context before winding down — a useful comparable for the structural dynamics of Singapore P2P platforms.
Others
- East Ventures: East Ventures is an early-stage venture capital firm that led MoolahSense's 2015 funding round. While an investor rather than a competitor, it is a meaningful ecosystem participant for the Singapore/SEA fintech lending space and provides a useful reference for comparable company valuations.
Broad incumbents
- Funding Circle: Funding Circle is a UK-headquartered global SMB lending marketplace operating across the UK, US, Netherlands, Germany, and Canada. It is a broad incumbent comparable to MoolahSense/Infund on the SME marketplace lending business model, although at significantly larger scale and broader geographic footprint.
- LendingClub: LendingClub is the largest US marketplace lending platform offering personal and small business loans. It shares the marketplace lending business model with MoolahSense/Infund but operates at much greater scale and in a different geography, making it a useful model peer for unit economics and platform design.
Regional players
- MoneySmart: MoneySmart is a Singapore-based personal finance and lending comparison platform that surfaces SME and personal loan products to consumers. While not a direct marketplace lender, it is a relevant channel and informational peer that influences borrower and investor flows into Singapore lending platforms including MoolahSense/Infund.
Emerging players
- Aspire: Aspire is a Singapore-headquartered digital business banking and SME finance platform. While its core product is a business account, it increasingly competes for SME capital and financial services wallet share, making it an emerging adjacent competitor to MoolahSense/Infund's SME financing proposition.
- MatchMove Pay: MatchMove Pay is a Singapore-headquartered digital payments and embedded finance company that participated in MoolahSense/Infund's 2019 funding round. It is an emerging fintech peer with adjacent financial infrastructure (wallets, payments, lending) relevant to the Singapore SME finance ecosystem.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights5 records
Customer concentration
MoolahSense social profiles
Digital presenceMoolahSense compliance and trust
Trust signalCompliance1 record
MoolahSense financial estimates
Financial estimateRevenue estimate
Valuation estimate
MoolahSense leadership team
Management profileNumber of profiles
MoolahSense funding detail
Funding detailFunding overview
Funding rounds2 records
Investors3 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
MoolahSense M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about MoolahSense
What does MoolahSense do?
MoolahSense (now operating as Infund) is a Singapore-based online marketplace lending platform that connects SMEs seeking business financing with individual investors seeking returns. The platform facilitates crowd-sourced loans of up to S$5,000,000 and offers investment protection through the INShield Investing feature, along with sustainable financing options for environmentally-focused businesses. The platform operates under a Capital Market Services License (CMS-100568-1) regulated by the Monetary Authority of Singapore.
Is MoolahSense a public or private company?
MoolahSense is a private company. It is classified as venture growth investor backed and is currently operating.
When was MoolahSense founded?
MoolahSense was founded in 2013. It employs 11 to 50 people.
Where is MoolahSense based?
MoolahSense is headquartered in Singapore, Singapore, in the Asia region.
How does MoolahSense make money?
One revenue line is on record: marketplace Lending Commission.
Who are MoolahSense's main competitors?
Direct peers on record are Validus Capital, Capital Match, Funding Societies (Modalku) and Crowdo (formerly Crowdonomic). East Ventures is listed as an others. Broad incumbents are Funding Circle and LendingClub. MoneySmart is listed as a regional player. Emerging players are Aspire and MatchMove Pay.
Does MoolahSense have an API?
No public API is recorded for MoolahSense.
What industry is MoolahSense in?
MoolahSense's product category is Marketplace Lending Platform. Its primary akta.pro industry code is FSAGAIAJ, Marketplace / Multi-Lender POS Financing Aggregators. Its NAICS code is 523 and its SIC code is 6200.