Lendingpot

What Lendingpot does

Lendingpot Private Limited is a Singapore-based digital loan marketplace that operates as a wholly-owned subsidiary of IFS Capital Limited, an SGX-listed financial institution (ticker: I49.SI) within the PhillipCapital Group. Founded in 2018 by Randy Sim and Eric Koh, the platform connects SME borrowers in Singapore with a network of 45+ lenders including major banks (DBS, OCBC, UOB, Maybank, CIMB, Standard Chartered), P2P platforms (Funding Societies, Validus, Moolahsense, Minterest, FundTier), and alternative lenders. The platform has facilitated over $50.1M in loans to 2,500+ SME members with an average loan size of approximately $219,736, processing 10,000+ loan applications annually in Singapore by 2024.

The underlying technology comprises an algorithmic lender-matching engine, a multi-lender comparison interface, credit scoring services, and API infrastructure. Key integrations include Singpass for national digital identity verification, Shopify and Stripe for revenue-based financing underwriting, Grab and Deliveroo for delivery-platform revenue tracking, and Xero for accounting connectivity. The product suite spans Business Term Loans, Property-Backed Loans (up to 85% LTV), Invoice Financing (up to 90% of invoice value), Revenue-Based Financing (up to 3x monthly revenue, max S$10M), Lines of Credit, Business Cards, Startup Loans, and Working Capital Loans.

The business model is a referral-fee marketplace: borrowers register and apply for free, and Lendingpot earns referral fees from lenders upon successful loan origination. Distribution combines a self-serve digital channel (app.lendingpot.sg) with a network of 118 relationship managers providing assisted service for complex financing needs. Geographic operations have expanded from Singapore into Malaysia and Indonesia (2023-2024), with a soft-launched Hong Kong marketplace targeting the licensed moneylender segment in January 2026.

Name

Lendingpot

Legal name

Lendingpot Private Limited

Website

https://lendingpot.sg

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

1–10 employees

Short description

Lendingpot is a Singapore-based digital loan marketplace connecting SME and consumer borrowers with 45+ banks, P2P platforms, and alternative lenders, operating as a wholly-owned subsidiary of SGX-listed IFS Capital Limited.

Ownership category

akta.pro rank

Product category

Digital Loan Marketplace

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Credit Intermediation and Related Activities (522), Activities Related to Credit Intermediation (5223)

SIC

Loan Brokers (6163), Personal Credit Institutions (6141)

akta.pro primary industry

P2P Small Business / SME Marketplace Lending (FSAKAHAC)

akta.pro secondary industry

Marketplace & Loan Aggregation Platforms (Borrower-Lender Matching) (FSAGAHAL)

Keywords

• Digital loan marketplace
• SME business financing
• Loan comparison platform
• Alternative lending
• Consumer lending marketplace

Headquarters

HQ city

Singapore

HQ country

Singapore

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

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

Revenue model

1. Referral/Introduction Fees: Lendingpot acts as a broker connecting borrowers with lenders. The company earns referral fees from lenders when borrowers successfully secure loans through the platform. We make money from referral fees from lenders.
2. Platform Services: Free registration for borrowers; revenue generated when loan applications result in successful lender matches

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Lendingpot operates a digital loan marketplace that connects SME borrowers with a network of 45+ lenders (banks, P2P platforms, and alternative lenders) through a single application. The platform uses algorithmic matching to pair borrower profiles with suitable lenders and offers products including business term loans, property-backed loans, invoice financing, revenue-based financing, lines of credit, business cards, and startup loans. Lendingpot also offers consumer personal loans through its Lendingpot Personal sub-brand, with operations across Singapore, Malaysia, Indonesia, and Hong Kong.

Product overview

Lendingpot operates as a digital loan marketplace platform with two main offerings: Lendingpot Business (SME loan marketplace) and Lendingpot Personal (consumer loans). The business platform aggregates 45+ lenders including banks, non-bank financial institutions, and P2P lending platforms into a unified marketplace where borrowers submit single applications for algorithmic matching. Key products include Business Term Loans, Property-Backed Loans, Invoice Financing, Revenue-Based Financing, Line of Credit, Business Cards, and Start-up Loans. The platform differentiates through comparison across multiple lenders, dedicated advisory support, and streamlined application processes. In 2023, Lendingpot expanded into consumer lending and Indonesia, followed by Malaysia expansion in 2024. The Hong Kong marketplace launched in early 2026 targeting the licensed moneylender segment.

Differentiator

Problem solved

Functional benefit

Products and services

• Lendingpot Business Loan Marketplace Digital loan marketplace connecting SME borrowers with a network of 45+ lenders (banks, alternative lenders, and P2P platforms) through a single application. Platform uses algorithmic matching, comparison tools, APIs, and credit scoring services to enable lender competition and transparent pricing.
• Lendingpot Personal Consumer lending platform offering personal loans and mortgage products for individual borrowers across Singapore, Malaysia, and Indonesia.
• Business Term Loan

Quantifiable outcome

• 2500+ SME members on platform
• +4 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

Feature4 records

Partnerships

19 partnerships are on record, tiered major and minor.

• DBS BankmajorChannel Partner/ Reseller/ DistributorMajor Singapore bank (established 1968) present in 18 markets. DBS provides SME banking services and products through the Lendingpot marketplace.
• OCBC BankmajorChannel Partner/ Reseller/ DistributorMajor Singapore bank (established 1932) offering commercial banking, specialist financial and wealth management services. Partner on Lendingpot marketplace.
• UOB BankmajorChannel Partner/ Reseller/ DistributorMajor Singapore bank (established 1935) present in 19 countries. UOB has served the SME community since inception and partners through Lendingpot.
• MaybankmajorChannel Partner/ Reseller/ DistributorMalaysian bank (since 1960) offering payment solutions, loans, trade finance, investment banking, insurance, Islamic banking products across 20 countries.
• CIMB BankmajorChannel Partner/ Reseller/ DistributorMalaysian bank specializing in Islamic financing, offering consumer, commercial, investment and Islamic banking in 14 countries.
• Standard Chartered BankmajorChannel Partner/ Reseller/ DistributorBritish multinational bank present in 59 markets for over 160 years, supporting individual and corporate needs in Singapore.
• Funding SocietiesmajorChannel Partner/ Reseller/ DistributorSoutheast Asia's largest SME digital financing and P2P debt investment platform since 2015. Specializes in short-term financing from $50,000 unsecured to $3M secured loans.
• IFS Asset ManagementmajorChannel Partner/ Reseller/ DistributorMAS registered fund management company under IFS Capital offering direct-lending funds with short to medium tenor term loans backed by Singapore residential properties and shop houses.
• Phillip CreditmajorChannel Partner/ Reseller/ DistributorLicensed moneylender (part of PhillipCapital Group, established 2021) offering share-backed financing where borrowers can liquidate investment assets.
• ValidusmajorChannel Partner/ Reseller/ DistributorP2P platform (established 2015) using data analytics and AI for SME growth financing. Offers purchase order, invoice financing and working capital loans up to $1M.
• Crowd-GenieminorChannel Partner/ Reseller/ DistributorP2P crowdfunding platform (launched 2016) offering equity fundraising, term loan, property-backed loan and bridging loan from $30k to $5M.
• MoolahsenseminorChannel Partner/ Reseller/ DistributorSingapore's pioneer P2P marketplace lending platform connecting SMEs with short-term financing to investors since 2013.
• MinterestminorChannel Partner/ Reseller/ DistributorSingapore licensed P2P platform (founded 2017) offering working capital, invoice financing, structured finance and commercial real estate financing up to $15M.
• Invoice InterchangeminorChannel Partner/ Reseller/ DistributorInvoice finance solutions provider (since 2015) helping Singapore businesses grow, pay bills and overcome seasonal cash flow fluctuations.
• FundTierminorChannel Partner/ Reseller/ DistributorP2P platform (set up 2017) with MAS Capital Market License connecting businesses seeking funding with investors for flexible SME financing.
• CapitallminorChannel Partner/ Reseller/ DistributorSingapore private lender (since 2015) offering line of credit, working capital loan, bridging loan, expansion financing, auto financing and payroll loan with over $30M in loans granted.
• IncomlendminorChannel Partner/ Reseller/ DistributorGlobal invoice exchange (since 2016) where companies can fund export receivables by selling to private investors at a discount. Trades in USD, EUR, SGD, and HKD.
• Choco UpminorChannel Partner/ Reseller/ DistributorRevenue based financing platform providing startups with non-dilutive funding from $10K to $10M on a revenue share model with flat fee.
• Bibby Financial ServicesminorChannel Partner/ Reseller/ DistributorFinancing arm of Bibby Line Group (UK, over two centuries in business) offering invoice financing, factoring, mid-month funding and export factoring.

Scale indicators8 records

Recent moves3 records

Expansion highlights5 records

Direct peers

• Funding Societies / Modalku: Southeast Asia's largest SME digital financing and P2P debt investment platform, directly comparable to Lendingpot as a multi-lender marketplace connecting SMEs with banks and alternative lenders across Singapore, Malaysia, Indonesia and Thailand.
• Validus Capital: Singapore P2P platform using data analytics and AI for SME growth financing across invoice, purchase order, and working capital loans — a direct marketplace competitor in the same SME lending segment as Lendingpot.
• Moolahsense: Singapore's pioneer P2P marketplace lending platform connecting SMEs seeking short-term financing with investors since 2013, comparable to Lendingpot's SME marketplace model.
• Minterest: Singapore licensed P2P platform offering working capital, invoice financing, structured finance and commercial real estate financing, comparable to Lendingpot's diversified SME loan product set.
• Crowdo (formerly Crowd-Genie / Kapitall): Singapore-headquartered P2P crowdfunding platform offering term, property-backed and bridging loans to SMEs across SEA, directly comparable as a multi-product SME lending marketplace.
• Choco Up: Revenue-based financing platform providing startups with non-dilutive funding from US$10K to US$10M on a revenue share model, comparable to Lendingpot's revenue-based financing product line.
• Invoice Interchange: Singapore invoice finance solutions provider offering factoring and receivables finance to growing businesses, comparable to Lendingpot's invoice financing product line.

Broad incumbents

• IFS Capital Limited: SGX-listed parent of Lendingpot providing direct SME factoring, hire-purchase, leasing and trade finance across SEA — overlapping capabilities as a marketplace/integrator for SME credit products.
• DBS Bank SME Banking: Major Singapore bank and concurrent Lendingpot partner that offers a broad suite of SME cash, trade and digital lending products, comparable as a direct SME funding channel with bank-side capability.

Emerging players

• Incomlend: Global invoice exchange where companies can fund export receivables via private investors, partially overlapping with Lendingpot's invoice financing product on a cross-border basis.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/LendingpotAsia
• LinkedInlinkedin.com/company/13586049
• Instagraminstagram.com/lendingpot.asia

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

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 Lendingpot