Crowd-Genie

What Crowd-Genie does

Crowd-Genie (legally Crowd Genie Financial Services Pte. Ltd.) is a Singapore-headquartered peer-to-peer lending marketplace that connects Singapore-based SMEs seeking debt financing with accredited individual and institutional investors. Founded in 2016 and operating under a Capital Markets Services license from the Monetary Authority of Singapore obtained in March 2017, the platform is regulated under the Securities and Futures Act (Chapter 289) and is restricted to Accredited Investors as defined in section 4A(1)(a) of the SFA. The platform serves both sides of the credit market — borrowers needing faster and cheaper capital than banks offer, and investors seeking fixed-income returns above the 1-2% available on Singapore bank deposits.

The platform offers five distinct loan products: invoice financing (up to S$2 million), property-backed secured loans (up to S$2 million), unsecured term loans (up to S$300,000), unsecured working capital loans (6-12 month tenure), and zero-interest bridging loans (up to S$100,000, 3-month bullet payment). Underlying the marketplace is a proprietary risk assessment engine that evaluates profitability, credit rating, debt-to-equity ratio, and cash flows to assign risk grades and price loans, supported by SSL encryption, a third-party escrow arrangement with Intertrust Group Ltd. for AML compliance and investor protection, and data partnerships with Credit Bureau Singapore and Dun & Bradstreet. Self-service online sign-up with 24-hour investor approval underpins a product-led go-to-market motion.

The company operates a dual take-rate revenue model: origination fees of 2-5% charged to borrowers based on credit quality, and service fees of 3-8% charged to investors on repayments actually received (no fee in the event of borrower default). Cumulative scale since inception includes 100+ SMEs assessed, weighted average portfolio returns of 8.6%-18.5% across disbursement years 2021-2025, a 12.7% weighted average effective return as of January 2026, and a 50%+ repeat borrower rate. The business is privately held, bootstrapped without disclosed VC funding, and operates exclusively within Singapore.

Name

Crowd-Genie

Legal name

Crowd Genie Financial Services Pte. Ltd.

Website

https://crowd-genie.com

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

11–50 employees

Short description

Crowd-Genie is a Singapore-based, MAS-licensed peer-to-peer lending platform that connects Singapore SMEs seeking debt financing (S$30K-S$2M) with accredited investors, offering invoice financing, term loans, property-backed loans, and bridging loans via a self-service online marketplace.

Ownership category

akta.pro rank

Product category

Peer-to-Peer Lending

NAICS

Consumer Lending (522291)

SIC

Loan Brokers (6163)

akta.pro primary industry

P2P Loan Syndication & Participation Platforms (FSAKAHAL)

Keywords

• Peer-to-peer lending
• SME lending
• Debt crowdfunding
• Invoice financing
• P2P marketplace

Headquarters

HQ city

Singapore

HQ country

Singapore

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Borrower Origination Fees: Charges an origination fee on each loan funded, ranging from 2% to 5% of the total loan amount, based on the borrower's credit profile strength. Higher fees apply for lower credit scores. No fees charged during application or consultation.
2. Investor Service Fees: Charges investors a 3% to 8% service fee when receiving repayments from borrowers. Fee is deducted from the escrow account. If borrower does not repay, no fee is charged.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Crowd-Genie is a Singapore-based MAS-regulated peer-to-peer lending platform that connects SMEs seeking short-term financing with individual and institutional investors. It offers multiple loan products including invoice financing, term loans, property-backed loans, zero-interest bridging loans, and working capital loans, facilitated through an online marketplace with proprietary risk assessment and director co-investment.

Product overview

Crowd-Genie is a peer-to-peer (P2P) online lending platform for Singapore-based SMEs. The platform offers a portfolio of five distinct loan products: Invoice Financing (up to S$2 million), Property-Backed Loan (secured, up to S$2 million), Term Loan (unsecured, up to S$300,000), Working Capital Loan (unsecured, 6-12 months tenure), and Zero Interest Bridging Loan (unsecured, up to S$100,000, 3-month bullet payment). The platform matches SME borrowers seeking debt financing with investors seeking debt investments, providing credit assessment, risk rating, and loan management services.

Differentiator

Problem solved

Functional benefit

Products and services

• Invoice Financing Short-term financing for Singapore SMEs against outstanding invoices, funded by individual and institutional investors on the platform.
• Term Loan Fixed-tenure loan product for SMEs requiring capital over a defined repayment period, funded by investors on the platform.
• Property-Backed Loan Loan product for SMEs secured against property collateral, listed on the Crowd-Genie platform for investor funding.
• Zero Interest Bridging Loan Interest-free bridging loan product designed to give SMEs rapid short-term capital while awaiting longer-term financing arrangements.
• Working Capital Loan Working capital financing product for SMEs to manage day-to-day operational cash flow needs, funded by marketplace investors.

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Two partnerships are on record, tiered minor.

• Equitas AsiaminorStrategic or Co-development PartnerStrategic partner in the SME lending ecosystem, providing additional lending expertise and market reach.
• Singapore FinTech Association (SFA)minorStrategic or Co-development PartnerNational fintech association providing industry representation, networking, and regulatory engagement for Singapore's fintech ecosystem.

Scale indicators9 records

Recent moves5 records

Expansion highlights3 records

Regional players

• KoinWorks: Indonesia-headquartered P2P lending platform for SMEs (registered with OJK). Comparable SME-targeting model and marketplace lending structure, but operating primarily in Indonesia rather than Singapore.
• Lendingkart: India-based fintech providing working capital and SME term loans via digital underwriting. Similar SME-targeting and credit-assessment proposition, but focused on the Indian market with no Singapore presence.

Broad incumbents

• LendingClub: US-listed pioneer in P2P lending. Comparable model (online marketplace connecting borrowers with multiple lenders, taking a take-rate on originations and servicing), but operates at much larger scale, is publicly traded, and serves consumer rather than SME credit.
• Funding Circle: UK-listed global P2P/SME lending platform operating in UK, US, Germany, and Netherlands. Closely comparable SME target and marketplace lending business model, but at substantially larger scale and with multi-jurisdiction geographic footprint.

Direct peers

• Funding Societies (Modalku): Singapore-headquartered P2P/Marketplace lending platform focused on SME financing, operating across Singapore, Indonesia, Malaysia, Thailand and Vietnam. Directly comparable to Crowd-Genie in product (invoice financing, term loans), target market (SMEs), and MAS-regulated model, but materially larger in scale and geographic footprint.
• Capital Match (Funding Societies): Originally an independent Singapore P2P platform for SME financing, now part of the Funding Societies Group. Highly comparable product (invoice financing, term loans, property-backed) and customer base (SME borrowers, accredited investors).
• Validus Capital: Singapore-based MAS-regulated P2P platform providing working capital and invoice financing to SMEs. Comparable product set (term loans, invoice financing), same accreditation framework for investors, and same Singapore-only-or-prioritized geographic focus.
• Minterest: Singapore MAS-regulated P2P lending platform for SME borrowers, offering property-backed and short-term business loans. Closely overlaps with Crowd-Genie's product mix and Singapore regulatory positioning.
• CoAssets: Singapore-based MAS-regulated crowdfunding and P2P lending platform serving SMEs with comparable loan products (working capital, property-backed). Overlaps directly with Crowd-Genie on regulatory framework, target segment, and product structure.

Emerging players

• Aspire: Singapore-headquartered fintech offering SMB financial solutions including credit and corporate cards. Comparable Singapore SME target market but a different primary product (multi-product financial operating account rather than dedicated P2P marketplace).

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/crowdgenie

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 Crowd-Genie