GB Helios Pte Ltd

What GB Helios Pte Ltd does

GB Helios Pte Ltd is a Singapore-based, non-bank business-to-business financial institution and a wholly-owned subsidiary of the Goldbell Group (founded 1980), operating as an exempt moneylender under the Moneylenders Act (Cap. 188). Established in 2015 as Goldbell Financial Services and rebranded to GB Helios in August 2023, the company provides a comprehensive suite of B2B financing solutions — Hire Purchase, Floor Stock Financing, Property-Backed Loans, Factoring, Payables Financing, Unsecured Term Loans, Venture Debt, Revenue-Based Financing, Technology Leasing, Earned Wage Access, Project Financing, and Embedded Financing — to SMEs, startups and new-economy businesses, automotive dealers, and large enterprises across Singapore, with selective regional replication into Malaysia and Indonesia through customer relationships such as Eezee.

The company operates a portfolio of proprietary and partner-built platforms. KRONOS, hosted under wholly-owned subsidiary Polaris KIN Pte Ltd, is a digital factoring platform enabling suppliers to self-serve early invoice payments in three steps with same-day processing for requests approved before noon, generating revenue through a 0.5%-2.0% per month discount rate plus a processing fee of up to 0.7%. Polaris itself serves as a financial launchpad offering alternative-data underwriting for revenue-based financing, venture debt, and embedded financing targeting digital-economy businesses. PILON extends into reverse supply chain financing and earned wage access, while GB NXT provides sustainable technology leasing with MyInfo integration. The technology stack is built on cloud-based, API-first architectures with banking-as-a-service integration via Mambu and identity authentication through Singapore's MyInfo. Enterprise Singapore partner status enables joint offerings of government-backed schemes.

Revenue is generated through multiple streams: recurring interest income on hire purchase, term loans, property-backed loans, and floor stock financing; transaction-based fees on KRONOS factoring and Polaris revenue-based financing; subscription-style technology leasing income through GB NXT; and revenue-share or licensing arrangements for embedded financing integrations. Since inception GB Helios has disbursed over S$1 billion to more than 1,500 clients, supported by a team of 51-100 employees, a direct enterprise sales motion complemented by self-serve digital portals (KRONOS, eClient, AutoMate), and a referral channel through Enterprise Singapore and the broader Goldbell Group ecosystem.

Name

GB Helios Pte Ltd

Legal name

GB Helios Pte Ltd

Website

https://gbhelios.com.sg

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

51–100 employees

Short description

GB Helios is a Singapore-based B2B non-bank lender and a wholly-owned subsidiary of the Goldbell Group, offering diverse financing products including hire purchase, factoring, term loans, venture debt, revenue-based financing, embedded financing, and technology leasing to SMEs, startups, automotive dealers, and large enterprises primarily in Singapore.

Ownership category

akta.pro rank

Product category

Commercial Finance

SIC

Finance Services (6199)

akta.pro primary industry

SME Credit Risk, Underwriting & Financial Data (B2B Fintech Data/Decisioning) (FSAGAJAM)

akta.pro secondary industries

Treasury, Cash Management & Liquidity (SME) (FSAGAJAG), B2B BNPL (Invoice Split/Net Terms for SMB Procurement) (FSAKACAJ)

Keywords

• Business loans
• Invoice factoring
• Supply chain financing
• Venture debt
• Hire purchase financing

Headquarters

HQ city

Singapore

HQ country

Singapore

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations

Revenue model

1. Hire Purchase Financing: Vehicle acquisition financing with flexible terms up to 10 years, generating revenue through interest income on the financed amount. Operates under hire purchase agreements for automotive and commercial vehicles.
2. KRONOS Invoice Early Payment (Factoring): Digital factoring platform where Polaris pays suppliers early on approved invoices. Revenue generated from Applied Discount comprising Discount Rate/Interest (0.5% to 2.0% per month based on days accelerated) and Processing Fee (up to 0.7% on Approved Invoice Amount). No upfront or subscription fees.
3. Business Loans and Term Financing: Property-backed loans, unsecured term loans, project financing, and other business loans generating interest income. Pricing is quote-based and tailored to borrower profile and risk assessment.
4. Revenue-Based Financing (Polaris): Alternative financing where businesses share a percentage of future revenue in exchange for capital. Revenue derived from the revenue share percentage over the agreed financing period without requiring equity dilution or collateral.
5. Venture Debt (Polaris): Debt financing tailored for startups and young companies focused on growth. Provides additional runway to hit milestones, bridge funding rounds, or finance strategic initiatives. Revenue from interest and origination fees.
6. Embedded Financing (Polaris): White-label financing integrated into partner platforms, enabling seamless financial solutions for the partner's customers. Revenue sharing or fee arrangements with platform partners.
7. Floor Stock Financing: Inventory financing for automotive dealers to maintain ideal inventory levels and keep showrooms fully stocked. Revenue from interest on financed inventory.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels7 records

Core offering

GB Helios is a Singapore-based non-bank financial institution that provides a comprehensive suite of B2B business financing solutions, including vehicle hire purchase, floor stock financing, property-backed loans, invoice factoring, payables financing, unsecured term loans, venture debt, revenue-based financing, technology leasing, embedded financing, and project financing. The company serves SMEs, startups, and large enterprises through proprietary digital platforms (KRONOS, POLARIS, PILON, NXT) and is a trusted participating financial institution of Enterprise Singapore offering government-backed schemes. GB Helios operates as an exempt moneylender under the Moneylenders Act (Cap. 188) and has disbursed over S$1 billion to more than 1,500 clients since inception in 2015.

Product overview

GB Helios operates as a comprehensive non-bank financial institution offering a diversified portfolio of B2B lending and financing solutions. The company provides traditional products including Hire Purchase, Floor Stock Financing, Property-Backed Loans, Factoring, Payables Financing, Unsecured Term Loans, Venture Debt, Revenue-Based Financing, Technology Leasing, Earned Wage Access, Project Financing, and Embedded Financing. These core products are complemented by three venture builds: POLARIS (financial launchpad for digital economy businesses offering alternative financing using alternative data), PILON (digital supply chain financing and earned wage access platform), and GB NXT (technology procurement and leasing platform). The KRONOS platform under POLARIS enables suppliers to access early invoice payments digitally. The company positions itself as a one-stop financial partner serving SMEs, startups, and large enterprises across industries including automotive, logistics, F&B, retail, and digital platforms.

Differentiator

Problem solved

Functional benefit

Brands

• Polaris: The Financial Launchpad for Businesses of Tomorrow - provides alternative financing options with alternative data for digital economy businesses. Includes products like Revenue-Based Financing, Venture Debt, Embedded Financing, and Digital Supply Chain Financing.
• KRONOS
• GB NXT
• PILON
• Goldbell Evolution Network (GEN)

Products and services

• Hire Purchase

Quantifiable outcome

• Cost savings of 40-50% compared with diesel generators (for GoRental/Global context)
• +5 more outcomes

Named customers6 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature4 records

Partnerships

Nine partnerships are on record, tiered core and minor.

• ADDXcoreStrategic or Co-development Partner · 11 December 2025ADDX, a digital investment platform for accredited investors, deepened its partnership with GB Helios to strengthen debt financing access in Singapore. The partnership enables GB Helios to access broader capital markets through ADDX's digital investment infrastructure.
• OddleminorGTM or Marketing Partner · 1 February 2020Oddle (online food ordering platform) partnered with GB Helios to offer cash advances of up to S$30,000 to Oddle's F&B merchant partners to help them navigate the Covid-19 crisis. Joint GTM initiative targeting F&B sector.
• Enterprise SingaporecoreStrategic or Co-development PartnerGB Helios is a trusted partner and participating financial institution of Enterprise Singapore. The partnership enables jointly offered products including Factoring, Payables Financing, and Unsecured Term Loans, providing government-backed financing schemes accessible to Singapore SMEs under the Enterprise Financing Scheme.
• Goldbell GroupcoreOthersGB Helios is a wholly-owned subsidiary and financing arm of Goldbell Group, which began in 1980 as a distributor of commercial vehicles. Goldbell Group provides institutional backing, industry network, and customer ecosystem for cross-selling financing solutions across automotive, logistics, and commercial vehicle sectors.
• EezeeminorStrategic or Co-development PartnerGB Helios partnered with Eezee (B2B digital procurement platform) providing bridge loans and factoring lines that enabled Eezee to scale and secure corporate clients. GB Helios also introduced Eezee to potential investors through its network, and the financing solution was replicated to Malaysia.
• Charge+minorGTM or Marketing PartnerCharge+ partnered with GB Helios to accelerate EV adoption in Singapore. Customers who take car loans from GB Helios receive free and discounted charging credits at Charge+'s network of over 700 EV charging points. Joint value proposition linking auto financing to EV infrastructure.
• MoneySmartminorStrategic or Co-development PartnerMoneySmart (financial comparison platform) received flexible financing solutions from GB Helios. CEO Vinod Nair testimonial endorses GB Helios for professional and accommodating service for unique financial situations.
• Park N ParcelminorStrategic or Co-development PartnerGB Helios partnered with logistics startup Park N Parcel providing invoice factoring and revolving credit facilities that enabled operational scaling and expansion of logistics network and collection points.
• Polaris KIN Pte LtdcoreOthersPolaris KIN Pte Ltd is a wholly-owned subsidiary of GB Helios Pte Ltd, established in 2018 as the financial launchpad and venture debt financing arm. Polaris operates KRONOS (supply chain financing) and provides alternative financing to digital economy businesses using alternative data.

Scale indicators6 records

Recent moves8 records

Expansion highlights5 records

Direct peers

• Funding Societies: Funding Societies (Modalku) is a Southeast Asia P2P and digital lending platform providing SME financing across Singapore, Indonesia, Malaysia, and Thailand. It directly competes with GB Helios in invoice financing, term loans, and working capital products for underserved SMEs.
• Aspire: Aspire is a Singapore-based B2B fintech platform offering business accounts, corporate cards, and embedded financial services (including working capital) to SMEs and startups across Southeast Asia. It overlaps with GB Helios in serving underbanked SMEs with digital-first financing solutions.
• Validus Capital: Validus is a Singapore-headquartered SME financing platform offering invoice financing and business loans to SMEs, with operations also in Indonesia and Vietnam. It is a direct competitor in the Singapore SME lending space, particularly for invoice factoring and working capital products.
• Kredivo: Kredivo is a Southeast Asia digital lending and BNPL platform operating in Indonesia, the Philippines, and Vietnam. It is comparable to GB Helios's Polaris/RBF and BNPL-adjacent products, serving underbanked consumers and merchants with alternative-data underwriting.
• Atome: Atome is a Singapore-headquartered BNPL and embedded financing platform operating across Southeast Asia. While consumer-leaning, its merchant and embedded financing offerings overlap with GB Helios's PILON and embedded financing products targeting merchants and platform partners.
• Capital C Corporation: Capital C is a Singapore-based alternative financing platform offering supply chain financing and working capital solutions to SMEs. It competes with GB Helios's factoring and supply chain financing products, particularly through digital platforms targeting SME suppliers and buyers.

Broad incumbents

• CIMB Bank Berhad: CIMB is a major ASEAN universal bank offering SME lending, supply chain financing, and embedded finance products across Singapore and the wider region. It is comparable as a broad incumbent providing similar financing products to GB Helios's SME target market, but at vastly larger scale and balance sheet.
• Advance.AI: Advance.AI is a Singapore-headquartered fintech providing AI-driven credit decisioning, identity verification, and risk management across Southeast Asia. Its credit-decisioning and alternative-data capabilities overlap with GB Helios's Polaris alternative-data underwriting approach, but it serves a broader client base of lenders.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/gbhelios
• LinkedInlinkedin.com/company/gbhelios

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments3 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about GB Helios Pte Ltd