365 credit solutions pte ltd

What 365 credit solutions pte ltd does

365 Credit Solutions Pte Ltd is a Singapore-licensed moneylender founded in 2010 that provides consumer and small-business credit under the regulatory framework administered by the Ministry of Law (License No. 16/2026). The company offers eight distinct loan products — personal, payday, business, bridging, CPF personal, interest-free, renovation, and foreigner loans — with principal amounts capped at 6x monthly income for individuals (or SGD 200,000 for business loans) and interest rates ranging from 1% to the regulatory ceiling of 4% per month under the Moneylenders Act.

The business operates a direct-to-consumer go-to-market model: applicants submit information through an online form, are contacted by phone for eligibility verification, and collect cash in person at the company's Orchard Road office at 14 Scotts Road (Far East Plaza) after contract signing. Revenue mechanics are tightly regulated — interest income capped at 4% per month, processing fees capped at 10% of principal, and late fees capped at SGD 60 per month, with total charges legally constrained not to exceed the principal amount. There is no proprietary technology platform disclosed beyond a basic online application form and an interactive loan calculator.

The company serves Singapore citizens, permanent residents, and qualifying foreigners (annual income ≥ SGD 20,000), as well as SMEs seeking working capital without collateral or credit-history requirements. Distribution is single-geography and single-channel: one physical branch, one phone line, and the corporate website serve as the entirety of the customer-acquisition surface, with brand-building supported by 724+ Google 5-star reviews and industry awards including Top 10 Licensed Moneylender (2021) and Best Personal Loan Licensed Money Lender Singapore (2024, Best in Biz Awards).

Name

365 credit solutions pte ltd

Legal name

365 Credit Solutions Pte Ltd

Website

https://365credit.com.sg

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

1–10 employees

Short description

365 Credit Solutions Pte Ltd is a Singapore-licensed moneylender (founded 2010) offering personal, business, bridging, payday, and other regulated consumer loans to Singapore residents, foreigners, and SMEs through online applications and a single Orchard Road branch.

Ownership category

akta.pro rank

Product category

Licensed Consumer Lending

NAICS

Sales Financing (52222)

SIC

Personal Credit Institutions (6141), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

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

Keywords

• Licensed moneylending
• Personal loans
• Business loans
• Payday loans
• Bridging loans

Headquarters

HQ city

Singapore

HQ country

Singapore

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Primary revenue from interest charged on loans. Licensed moneylender regulated by Ministry of Law, charging up to 4% maximum interest rate per month per Moneylenders Act. Late interest capped at 4% per month.
2. Processing Fees: One-time processing fee of up to 10% of principal loan amount charged at loan disbursement. Late payment fee of up to SGD60 per month.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

365 Credit Solutions Pte Ltd is a Singapore-licensed moneylender (License No. 16/2026) operating since 2010 that disburses personal, business, payday, bridging, CPF, foreigner, renovation, and interest-free loans. Customers apply online or in person, receive a phone consultation from a loan officer for eligibility verification, and collect cash at the Orchard Road office on the same day. Interest rates are capped at 4% per month under the Singapore Moneylenders Act, with maximum loan amounts of up to 6X monthly income (up to SGD200,000 for business loans).

Product overview

365 Credit Solutions Pte Ltd operates as a single-product financial services company offering a comprehensive suite of loan products through a unified lending platform. The company offers eight distinct loan types: Personal Loan, Payday Loan, Business Loan, Bridging Loan, CPF Personal Loan, Interest Free Loan, Renovation Loan, and Foreigner Loan. The products are designed to serve different financial needs from emergency cash advances to property financing, with loan amounts of up to 6X monthly income and interest rates as low as 1% per month. All products are accessible through a unified online application process with same-day approval and cash disbursement.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Loan Unsecured personal loan for Singapore Citizens and Permanent Residents allowing access of up to 6X monthly income for significant purchases such as weddings and health expenses, with interest rates as low as 1% per month and flexible repayment terms up to 24 months.
• Payday Loan Short-term cash advance equal to monthly earnings to bridge financial gaps until the next payday, with a one-month repayment term.
• Business Loan Loan product for small business owners and SMEs providing up to SGD200,000 for working capital, business expansion, or equipment purchase without requiring a credit history or collateral, with interest rates of 1-4% per month and flexible repayment terms up to 24 months.
• Bridging Loan Interim financing for property buyers waiting for sale completion, providing up to 6X monthly income with repayment due at the property completion date and interest rates of 1-4% per month.
• CPF Personal Loan Loan product for individuals nearing age 55 that leverages upcoming Special or Ordinary Account CPF Savings, with repayment terms extending to property completion or the borrower's 55th birthday.
• Interest Free Loan Loan product allowing borrowers to access up to 6X monthly income and repay within one month at a zero interest rate with no hidden charges.
• Renovation Loan Loan product funding home upgrades and renovation work, providing up to 6X monthly salary at interest rates of 1-4% per month to help borrowers manage rising material costs.
• Foreigner Loan Loan product for foreign workers in Singapore holding Employment Pass, S-Pass, or work permit and earning at least SGD20,000 annually, providing up to 6X monthly income at interest rates of 1-4% per month.

Quantifiable outcome

• Application approval within 30 minutes for qualified applicants
• +3 more outcomes

Named customers7 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered core and minor.

• Singapore Ministry of Law - Registry of MoneylenderscoreOthersListed in the official Registry of Moneylenders under the Ministry of Law Singapore. Operates under License No. 16/2026, ensuring compliance with Moneylenders Act regulations.
• Google (Reviews Platform)minorOthersCustomer reviews hosted on Google platform, providing social proof with 724+ 5-star reviews at 5.0 rating.

Scale indicators5 records

Recent moves4 records

Expansion highlights4 records

Direct peers

• Fast Credit: Licensed moneylender in Singapore providing personal, business, and payday loans with same-day approval focus. Directly comparable GTM motion and target borrower demographic.
• Tembusu Capital: Singapore licensed moneylender offering personal, business, and SME loans under Ministry of Law oversight. Comparable regulatory posture, customer underwriting (including poor-credit segment), and short-term installment loan structure.
• Cash Direct: Singapore licensed moneylender offering personal, business, and foreigner loans through licensed channels. Overlaps with 365 Credit's product suite and target foreigner/SME segments.
• Bugis Credit: Licensed Singapore moneylender focused on personal, business, and foreigner loans with similar interest rate caps and same-day disbursement model. Competes in the same city-center retail moneylending niche.
• A1 Credit: Singapore licensed moneylender offering personal, payday, business, and renovation loans under similar Moneylenders Act framework. Comparable in product breadth, customer segments (citizens, PRs, foreigners), and Orchard-area service positioning.
• MoneyMax Financial Services: Singapore-listed licensed moneylender offering personal, business, and payday loans under Ministry of Law regulation. Directly comparable product set, regulatory framework, and target borrower segments to 365 Credit Solutions.

Broad incumbents

• DBS Bank: Singapore's largest bank, offering personal, business, and renovation loans at scale with fully digital onboarding. Represents the incumbent competitive pressure on 365 Credit's mainstream loan segments.
• OCBC Bank: Major Singapore bank providing personal, business, and renovation loans with digital channels. Broad incumbent competing with 365 Credit for the same consumer and SME borrower pool.

Emerging players

• Lendingpot: Singapore-based P2P/SME lending platform connecting SMEs with investors for working-capital loans. Comparable SME-borrower focus but uses marketplace model rather than balance-sheet lending.
• Validus Capital: Singapore-based fintech offering SME working-capital loans. Competes for the same SME borrower segment that 365 Credit's business loan product targets.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/365-credit

Compliance1 record

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 365 credit solutions pte ltd