Lending Bee

What Lending Bee does

Lending Bee Pte. Ltd. is a Singapore-incorporated, Ministry of Law-licensed moneylender (Licence No. 41/2026) founded in 2018, operating under the DBA Lending Bee® from Bedok, Singapore. The company targets underbanked Singapore residents, foreign workers on valid work passes, Singapore SMEs, and borrowers with poor or limited credit history — segments typically underserved by traditional banks. Its product portfolio spans unsecured personal loans (up to S$300,000), debt consolidation plans, credit card consolidation loans, bad credit loans, instant fast cash and payday loans, foreigner loans, rental, renovation, wedding, education, travel, and medical financing, plus secured home mortgage/refinancing and bridging loans, and collateral-free business loans up to S$2,000,000 with 0% processing fee. All offerings are priced within Ministry of Law caps: interest capped at 4% per month, admin fee at 10% of principal, late fee at S$60 per month, and total cost of credit capped at 100% of principal, with no early repayment penalties.

The platform combines a digital self-serve application (website and Singpass MyInfo integration for identity and data retrieval) with mandatory face-to-face verification and contract signing at one of four Singapore branches (Orchard, Yishun, Bedok, Jurong East), all sited near MRT stations. A proprietary iOS/Android mobile app supports post-disbursement loan management — balance checks, instalment tracking, repayment reminders, and statements. In-principle approval can be issued in 30 minutes, with same-day disbursement upon in-person verification. Lending Bee was selected as 1 of 6 firms (from 38 applicants) for the Ministry of Law's New Business Model Pilot Scheme, holds Singapore FinTech Association certification, and reports 9,000+ verified 5-star Google reviews. Revenue is generated from regulated interest income, one-time administrative fees, and late fees across its retail loan book.

Name

Lending Bee

Legal name

Lending Bee Pte. Ltd.

Website

https://lendingbee.com.sg

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

11–50 employees

Short description

Lending Bee is a Singapore Ministry of Law-licensed moneylender (Licence No. 41/2026) serving underbanked residents, foreign workers, SMEs, and credit-challenged borrowers with personal, debt consolidation, mortgage, and business loans distributed via four branches and a Singpass-integrated digital platform.

Ownership category

akta.pro rank

Product category

Licensed Money Lending

NAICS

Nondepository Credit Intermediation (5222), Consumer Lending (522291), Real Estate Credit (522292)

SIC

Personal Credit Institutions (6141), Short-Term Business Credit Institutions (6153), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Small-Dollar Short-Term Installment Loans (Non-payday) (FSAKAMAI)

Keywords

• Licensed money lending
• Personal loans
• Debt consolidation
• Business financing
• Foreign worker loans

Headquarters

HQ city

Bedok

HQ country

Singapore

HQ region

Asia

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others

Revenue model

1. Interest Income: Primary revenue stream from interest charged on outstanding loan principal. Licensed moneylenders in Singapore are capped at 4% per month interest rate by the Ministry of Law.
2. Administrative Fees: One-time administrative fee of up to 10% of the principal loan amount, charged upon loan approval.
3. Late Fees: Late payment charges of up to S$60 per month for overdue repayments, plus late interest of up to 4% per month on the overdue amount.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Lending Bee is a Ministry of Law-licensed moneylender in Singapore that provides regulated personal, business, and property-secured loans. Its core offering includes a broad portfolio of loan products (personal loans, debt consolidation, foreigner loans, payday loans, business loans, home mortgage loans, and life-stage financing such as weddings, education, travel, and medical) supported by Singpass MyInfo identity verification, a proprietary mobile app for loan management, and four physical branches for mandatory in-person contract signing.

Product overview

Lending Bee is a Ministry of Law-licensed moneylender in Singapore offering a comprehensive portfolio of regulated loan products. The core offering is the Personal Loan ecosystem which includes specialized variants such as the Debt Consolidation Plan, Credit Card Consolidation Loan, Bad Credit Personal Loan, Instant Fast Cash Loan, Foreigner Loan, Payday Loan, Short Term Loan, and Bad Credit Loan. The company also provides Home Loans (Renovation Loan, Home Mortgage/Refinancing, Bridging Loan), Business Loans (with Working Capital, Invoice Financing, Purchase Order Financing, and Payroll Financing sub-products), and Lifestage Financing (Wedding Loan, Education Financing, Travel Financing, Medical Financing). All products are supported by a proprietary Mobile App for loan management and an online Personal Loan Calculator. The company operates 4 physical branches across Singapore and integrates with Singpass/MyInfo for fast digital application processing.

Differentiator

Problem solved

Functional benefit

Products and services

• Lending Bee Personal Loan Unsecured personal loan offering up to S$300,000 with flexible terms, Singpass-enabled application, in-principle approval within 30 minutes, and same-day disbursement upon verification. Targeted at Singapore Citizens and PRs for personal expenses, emergencies, debt consolidation, and other financial needs.
• Debt Consolidation Plan Debt consolidation loan that merges multiple unsecured debts into one manageable monthly payment, combining credit cards and personal loans with repayment tenures up to 35 months and interest starting from 1% per month. Targeted at borrowers managing multiple debt obligations.
• Credit Card Consolidation Loan Unsecured loan up to S$300,000 combining outstanding credit card balances from various financial institutions into a single repayment plan with fixed interest rates. Targeted at borrowers seeking to simplify credit card debt.
• Bad Credit Personal Loan Personal loan for borrowers with lower or insufficient credit records. Assessment focuses on income stability and ability to meet repayments rather than credit score alone, with flexible terms and licensed interest rates. Targeted at borrowers rejected by traditional banks.
• Instant Fast Cash Loan Short-term same-day loan with online application via Singpass MyInfo and in-principle approval within 1 hour. Funds disbursed after face-to-face verification at the nearest branch. Targeted at borrowers needing urgent cash.
• Foreigner Loan Personal loan for non-Singaporeans working in Singapore with valid Work Permit, S Pass, or Employment Pass. Designed for foreign workers who face difficulty obtaining bank loans due to strict requirements or short credit history.
• Payday Loan Short-term unsecured loan to cover urgent expenses before the next salary. Typically repaid on the next payday or within a short agreed period, suitable for temporary cash flow gaps.
• Short Term Loan Loan for smaller amounts with shorter repayment periods ranging from weeks up to 12 months, with extensions up to 35 months available. Designed for temporary financial needs without long-term commitments.
• Condo / HDB / Room Rental Loan Unsecured loan up to S$300,000 for covering rental payments including condo, HDB flat, or room rentals. Helps manage monthly rent and upfront rental-related expenses.
• Home Renovation Loan Unsecured home renovation loan up to S$300,000 for covering renovation costs including electrical works, plumbing, carpentry, painting, and flooring. Flexible repayment options up to 3 years.
• Home Mortgage Loan / Refinancing Secured home mortgage loan using property as collateral with no borrowing limit. Provides up to 60% equity-based lending against commercial and residential properties. Approval within 2 weeks, disbursement within 24 hours.
• Business Loan Collateral-free business loan up to S$2,000,000 with 0% processing fee. Includes Working Capital Loan, Invoice Financing, Purchase Order Financing, and Payroll Financing sub-products. Approval within 60 minutes. Targeted at Singapore SMEs registered with ACRA.
• Lifestage Financing Loan Unsecured loan up to S$300,000 for major life events including weddings, honeymoons, home purchases, medical care, and funeral expenses. Longer loan tenures available.
• Bridging Loan Short-term financing to cover the 20% downpayment of a new property while waiting for sale proceeds from an existing property. Designed for property upgrades from HDB to condominium.
• Wedding Loan Unsecured personal loan for wedding-related expenses including hotel banquets, bridal packages, wedding rings, photography, and honeymoon costs. Helps manage large deposits with structured monthly repayments.
• Education Financing Education loans including Local Education Student Loan, Overseas Education Loan, and Music Education Loan for covering tuition and educational expenses. Targeted at students and parents financing education.
• Travel Financing Travel loans including Travel Loan and Honeymoon Loan for covering travel expenses and honeymoon costs. Targeted at borrowers financing holidays and honeymoons.
• Medical Financing Medical loans including Medical Loan, Hospitalisation Bill Loan, Medical Emergency Loan, and Overseas Surgery Loan for covering healthcare expenses. Targeted at borrowers facing medical costs.
• Lending Bee Mobile App Proprietary mobile application for loan management allowing borrowers to check loan balance, track instalments, view repayment history, receive payment reminders, access statements, and submit feedback. Available on iOS and Android with rewards for timely repayments redeemable for NTUC vouchers.
• Personal Loan Calculator Online calculator for estimating monthly personal loan repayments. Allows input of loan amount (from S$100 to S$100,000), term length (1 to 36 months), and monthly interest rate (1-4%) to calculate principal, interest, total payment, and monthly installment. Targeted at prospective borrowers.

Quantifiable outcome

• In-principle approval in as little as 30 minutes
• +2 more outcomes

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature3 records

Partnerships

Four partnerships are on record, tiered notable, core and minor.

• Singapore FinTech Association (SFA)notableOthersCertified member of the Singapore FinTech Association. Membership provides credibility endorsement and positions Lending Bee within Singapore's fintech ecosystem.
• Singpass / MyInfocoreTechnology or IntegrationIntegration with Singapore's Singpass MyInfo system for secure digital identity verification and automatic data retrieval during loan applications. Enables faster, paperless loan processing.
• LoanstreetminorOthersRecognized by Loanstreet as a Highly Rated Licensed Moneylender in Singapore, enhancing visibility and credibility within the lending comparison platform.
• Ministry of Law (Registry of Moneylenders)coreOthersRegulatory licensing and oversight body. Lending Bee operates under Licence No. 41/2026, selected as 1 of 6 firms for the New Business Model Pilot Scheme.

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Cashline Credit: Singapore Ministry of Law-licensed moneylender offering personal, payday, and business loans to residents and foreigners. Operates a similar branch-plus-digital model in the same regulatory and customer framework as Lending Bee.
• Credit 21: Licensed moneylender in Singapore providing personal loans, debt consolidation, and foreigner loans through multiple branches. Targets the same underbanked Singapore residents and foreign worker segments under identical Ministry of Law regulations.
• Blessed Loan (Credit Thirty Three): Singapore licensed moneylender offering personal, business, and foreigner loans with a multi-branch network. Operates within the same regulatory cap structure and targets overlapping customer personas including bad-credit borrowers.
• Katong Credit: Licensed moneylender in Singapore providing personal, payday, and debt consolidation loans. Competes directly with Lending Bee in the East-region catchment area around Bedok and Marine Parade.
• Bugis Credit: Licensed moneylender in Singapore with multiple branches in the central/Orchard area. Offers similar personal and foreigner loan products under the same Ministry of Law framework.
• HL Money (Hong Leong Finance): Singapore licensed moneylender offering personal loans, payday loans, and foreigner loans. Competes in the same customer segments and shares the Ministry of Law regulatory structure and interest rate caps.
• 1Plus Capital: Licensed Singapore moneylender providing personal, business, and debt consolidation loans. Targets similar underbanked and SME customer segments under the same regulatory framework.
• MoneyMax Finance & Loans: Singapore-licensed moneylender with multiple branches, offering personal, payday, foreigner, and business loans. Competes head-on with Lending Bee across similar product lines and customer personas.

Emerging players

• Funding Societies: Singapore-headquartered digital lending platform providing SME business loans and financing. Overlaps with Lending Bee's SME business loan product (up to S$2M) but operates digitally without Ministry of Law moneylender licensing constraints.
• Atome Financial: Singapore-headquartered buy-now-pay-later and digital lending provider offering consumer credit products. Competes in the consumer lending space with a pure digital model, addressing some of the same short-term financing needs as Lending Bee.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/profile.php

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about Lending Bee