Best Alternative Lending Companies in Singapore
The 165 best Alternative Lending companies in Singapore in 2026, ranked by funding and momentum. Funding, investors, founders, valuation, tech stack and live signals. Top: Advance Intelligence Group.
Singapore's Alternative Lending sector has a real number worth knowing before anything else: 165 companies tracked, $2.3B in total disclosed funding, and one unicorn standing at the top. This directory ranks the best Alternative Lending companies in Singapore by equity funding raised and recent funding momentum, giving you a clear-eyed view of where capital has actually committed.
Funding Societies leads the disclosed stack at $216M, with Validus Group close behind at $198M and Atome at $170M. Those three alone account for a significant slice of the sector's total. The global alternative lending market sat at roughly $2.4B in 2023 and is tracking a 14.4% CAGR through the forecast period, which tells you the tailwinds here aren't theoretical. Demand from both individuals and businesses is pulling capital in, and strategic partnerships are accelerating the pace. I'd note that MAS oversight adds a layer of credibility to Singapore-domiciled filers that offshore competitors simply can't replicate. Recent analysis on what alternative lending actually delivers reinforces why the sector keeps attracting institutional names like HSBC and 500 Global. So what's driving the next wave? Mostly SME credit access and cross-border trade finance, where Singapore's position makes it a natural hub.
Ranked: Best Alternative Lending companies in Singapore
| # | Company | Disclosed funding | Last round | Employees | Founded | Founder | Tech stack | Recent signals |
|---|---|---|---|---|---|---|---|---|
| 1 | Advance Intelligence Group Provides loans, risk management solutions and merchant service platform | $700M | 37 mo ago | 1,690 | 2016 | David Chen Co-Founder | Node.jsElement UIAnt Design+10 | 1 partnership · 1 award |
| 2 | TSLC Developer of an AI-powered technology transforming financial systems for underserved markets | $225M | 54 mo ago | — | 2016 | Venu Kumar Co-Founder & Chairman | — | 1 job opening |
| 3 | Funding Societies Digital platform providing financing solutions for small businesses 74Funding top 22%Tech top 27%Talent top 28%Fin. health top 30% All 13 signals ▾Fundingtop 22% Techtop 27% Talenttop 28% Fin. healthtop 30% Moattop 31% Globaltop 36% Markettop 37% Partnerstop 37% Producttop 37% Innovationtop 39% Customerstop 49% Growthbottom 40% Newsbottom 24% Funding: Raised $216M across 13 rounds · 13 rounds over 10 yrs (1.3/yr) Tech: 49 technologies across 6/8 capability areas · Cloud: Amazon Cloudfront, Amazon Web Services rank vs industry peers · Fliar Intelligence Index 74/100 | $216M | 15 mo ago | 176 | 2015 | Kah Wong Co-Founder & CEO & Group COO | HubSpot CMS HubContentfulEmotion+26 | — |
| 4 | Validus Group Online platform providing digital lending solutions for small and medium-sized enterprises (SMEs), aiming to… 67Funding top 24%Growth top 30%Fin. health top 35%Talent top 38% All 7 signals ▾Fundingtop 24% Growthtop 30% Fin. healthtop 35% Talenttop 38% Techbottom 49% Marketbottom 48% Globalbottom 48% Funding: Raised $198M across 10 rounds · 10 rounds over 9 yrs (1.1/yr) Growth: Revenue +47% YoY · Web rank 10,000,000 → 50,000,000 YoY rank vs industry peers · Fliar Intelligence Index 67/100 | $198M | 6 mo ago | — | 2015 | Nikhilesh Goel Co-Founder & Group CEO | WordPressMySQLPHP+33 | — |
| 5 | Atome 🦄 Online marketplace offering multi-category products on purchase finance 80Customers top 16%Funding top 17%Tech top 26%Moat top 26% All 8 signals ▾Customerstop 16% Fundingtop 17% Techtop 26% Moattop 26% Growthtop 35% Markettop 37% Producttop 46% Globalbottom 39% Customers: Play-Store rating 4.92★ across 48,081 ratings (1 apps) Funding: Raised $170M across 5 rounds · 5 rounds over 4 yrs (1.2/yr) rank vs industry peers · Fliar Intelligence Index 80/100 | $170M | 5 mo ago | 601 | 2016 | — | SentryZendeskTypeScript+19 | 4 partnerships · 1 award |
| 6 | Validus Provides of a P2P lending platform for business loans 55Moat top 22%Talent top 22%Funding top 34%Global top 42% All 9 signals ▾Moattop 22% Talenttop 22% Fundingtop 34% Globaltop 42% Growthtop 44% Markettop 48% Techbottom 42% Fin. healthbottom 41% Productbottom 39% Moat: Editorial + unicorn rating 8/10 · Soonicorn Talent: Analyst team rating 5/5 · 3 named leaders on record rank vs industry peers · Fliar Intelligence Index 55/100 | $108M | 21 mo ago | 163 | 2015 | Nikhilesh Goel Co-Founder & Co-CEO | — | — |
| 7 | GoBear Comparison portal of financial products | $97M | 72 mo ago | 165 | 2014 | — | — | — |
| 8 | TrustingSocial Software for loan lifecycle management | $84M | 40 mo ago | 17 | 2013 | Tuyen Huynh Co-Founder & CTO | Apple iCloud MailGoogle WorkspaceAnt Design+14 | 2 partnerships |
| 9 | Rely Online platform for purchase financing | $75M | 66 mo ago | 15 | 2014 | Mohamed Abbas Co-Founder | — | — |
| 10 | Capital C Corporation Provider of a financial solutions for lending management 24Moat top 26%Growth top 45%Funding top 49%Talent bottom 49% All 10 signals ▾Moattop 26% Growthtop 45% Fundingtop 49% Talentbottom 49% Patentsbottom 40% Innovationbottom 39% Globalbottom 37% Marketbottom 35% Techbottom 31% Newsbottom 21% Moat: Editorial + unicorn rating 8/10 · IP moat: 8 patents Growth: Web rank 10,000,000 → 50,000,000 YoY · Fresh capital in last 24 mo rank vs industry peers · Fliar Intelligence Index 24/100 | $54M | 19 mo ago | 60 | 2011 | Jeames Cheow Co-Founder & CEO | WordPressApple iCloud MailGoogle Workspace+16 | — |
| 11 | VoloFin Blockchain-based platform for invoice financing 45Talent top 28%Growth top 35%Funding top 39%AI top 45% All 7 signals ▾Talenttop 28% Growthtop 35% Fundingtop 39% AItop 45% Globalbottom 37% Techbottom 33% Marketbottom 27% Talent: 3 named leaders on record · 3 C-suite/founder profiles curated Growth: Fresh capital in last 24 mo rank vs industry peers · Fliar Intelligence Index 45/100 | $50M | 19 mo ago | 33 | 2020 | Anand Tiwari Co-Founder | TypeScriptZone.jsAngular+4 | — |
| 12 | Lend East Provider of debt capital to technology and financial technology companies | $50M | 79 mo ago | — | 2018 | Varun Co-Founder | — | — |
| 13 | Pace Provider of purchase financing for store owners and customers | $40M | 54 mo ago | 118 | 2020 | Chua Xinrong Co-Founder | — | — |
| 14 | Jenfi Revenue-based financing platform | $38M | 37 mo ago | 46 | 2019 | Justin Louie Co-Founder & CTO | WordPressMySQLPHP+27 | — |
| 15 | Olea Provider of digital trade finance platform connecting businesses with investors 22Funding top 41%Growth top 45%Moat top 48%Talent bottom 49% All 8 signals ▾Fundingtop 41% Growthtop 45% Moattop 48% Talentbottom 49% Techbottom 47% Globalbottom 37% Marketbottom 27% Fin. healthbottom 21% Funding: Raised $30.0M across 1 rounds · 1 rounds over 1 yrs (1.0/yr) Growth: Web rank 10,000,000 → 50,000,000 YoY · Fresh capital in last 24 mo rank vs industry peers · Fliar Intelligence Index 22/100 | $30M | 6 mo ago | 42 | 2003 | Amelia Ng Founder & CEO | WordPress Block EditorWordPressApple iCloud Mail+25 | 3 job openings · 1 partnership |
| 16 | FintruX P2P lending platform | $25M | 98 mo ago | — | 2017 | Nelson Lin Founder & CEO | — | — |
| 17 | Incomlend Operator of invoice financing marketplace connecting businesses with working capital | $21M | 56 mo ago | 69 | 2016 | Morgan Terigi Co-Founder & CEO | WordPressMySQLPHP+30 | — |
| 18 | Sentinel Chain Blockchain-based marketplace for cross-border financial services | $14M | 99 mo ago | — | 2017 | Roy Lai CEO | — | — |
| 19 | MoneySmart Group Provider of financial comparison and advisory services | $12M | 108 mo ago | — | 2009 | Vinod Nair Co-Founder & CEO | WebflowTypekitjQuery+7 | — |
| 20 | Klub Online marketplace for revenue-based financing | $12M | 54 mo ago | — | 2019 | Anurakt Jain Co-Founder & CEO | Apple iCloud MailGoogle WorkspaceNode.js+21 | — |
| 21 | Flow Tech AI AI-enabled debt collection solutions | $12M | 69 mo ago | 75 | 2015 | — | WordPressMySQLPHP+17 | — |
| 22 | CredoLab Credit assessment & decisioning solutions provider | $10M | 69 mo ago | 46 | 2016 | Adrian Chng Co-Founder & Board Member | WebflowGSAPMicrosoft Clarity+22 | — |
| 23 | Optty Software for point of sale financing | $9M | 49 mo ago | 18 | 2015 | Natasha Zurnamer Chief Executive Officer - Founder | WebflowGSAPPayPal+18 | — |
| 24 | CCRManager Online platform for secondary trade finance | $9M | 73 mo ago | 8 | 2016 | Shen Yiwen | — | — |
| 25 | Lendela Provider of personal loans | $8M | 30 mo ago | 36 | 2018 | Kristian Jacobsson Co-Founder | Apple iCloud MailGoogle WorkspaceVuetify+23 | — |
| 26 | Fluid Provider of B2B buy now, pay later payment solutions | $7M | 27 mo ago | — | 2023 | Trasy Walsh Co-founder & CEO - Fluid | WebflowCart FunctionalityTypekit+12 | — |
| 27 | Edufi Developer of an education loan marketplace platform | $6M | 31 mo ago | — | — | Aleena Nadeem Founder & CEO | WordPressMySQLPHP+28 | — |
| 28 | RootAnt Provider of SaaS-based investment platform for financial institution | $6M | 46 mo ago | 41 | 2019 | Lincoln Yin Founder & CEO | — | — |
| 29 | Crowdo Equity crowdfunding for business loans | $6M | 53 mo ago | 64 | 2012 | — | PHPNode.jsRuby+24 | — |
| 30 | Pilon Provider of supply chain financing solutions for multinational corporations | $5M | 36 mo ago | 11 | 2020 | — | — | — |
| 31 | ErudiFi Operator of platforms providing financial access for students pursuing education | $5M | 53 mo ago | 180 | 2019 | Naga Tan Co-Founder & CEO | — | — |
| 32 | Robocash Online P2P loan platform | $5M | 71 mo ago | 256 | 2013 | Sergey Sedov Founder & Co-CEO | — | 1 award |
| 33 | Bizbaz Provider of business intelligence solutions | $4M | 44 mo ago | 14 | 2019 | Vincent Choy Co-Founder & Cbdo | — | 1 partnership |
| 34 | Kudo Money Blockchain-based network for the metaverse | $4M | 53 mo ago | 5 | 2021 | Tejas Thole Co-Founder & CEO | — | — |
| 35 | Cash In Asia App-based platform for business loans | $4M | 66 mo ago | 10 | 2016 | — | — | — |
| 36 | Credi Linq Developer of AI-enabled credit assessment and underwriting solutions for individuals and businesses | $4M | 13 mo ago | 20 | 2021 | Vikram Kotibhaskar Co-Founder | WordPressMySQLPHP+21 | 1 launch |
| 37 | Seedflex Technologies Provider of embedded lending and cashflow-based credit to small businesses | $4M | 15 mo ago | — | 2023 | Sauvik Datta Co-Founder & COO | Webflowcore-jsjQuery+13 | 1 partnership |
| 38 | Finbots Ai Developer of a credit assessment platform for loan life cycle management | $3M | 49 mo ago | 44 | 2017 | Deeba Kazmi Co-Founder & Chief Data Scientist | WordPress Block EditorWordPressMySQL+28 | 1 award |
| 39 | Boost Capital Online marketplace for business microloans | $2M | 39 mo ago | 21 | 2018 | Lucinda Revell Co-Founder | WordPressMySQLPHP+18 | — |
| 40 | 360tf Online marketplace for trade financing | $2M | 53 mo ago | 34 | 2021 | Capt Saraf Co-Founder | Cart FunctionalityWordPressMySQL+38 | 2 launchs · 1 partnership |
| 41 | GetPaid Provider of on-demand salary solutions | $2M | 53 mo ago | — | 2020 | Mitchell Goh Co-Founder & CEO | SentryNode.jsChakra UI+16 | — |
| 42 | Friz Online platform providing credit lines to freelancers | $2M | 56 mo ago | 7 | 2020 | Nirali Zaveri Co-Founder & CEO | — | — |
| 43 | Distributed Energy Provider of solar energy solutions for commercial and industrial clients | $1M | 78 mo ago | 24 | 2019 | Premal Shah Co-Founder & Chairman | WordPressMySQLZoho+32 | 1 expansion |
| 44 | FundedHere Equity crowdfunding and lending-based crowdfunding in Singapore | $1M | 122 mo ago | 12 | 2015 | Daniel Wei Co-Founder & CEO | WordPressMySQLPHP+18 | 1 job opening |
| 45 | Qiro Decentralized platform that connects stablecoin investors with emerging market borrowers | $1M | 24 mo ago | — | 2023 | Akshay Poshatwar Co-founder & CEO | Node.jsRechartsRadix UI+17 | 1 launch |
| 46 | Mortgage Master Mortgage broker connecting clients with optimal home loan rates | $1M | 61 mo ago | 9 | 2018 | David Ee-Qiang Baey Co-Founder & CEO | Node.jsVue.jsNuxt.js+21 | — |
| 47 | Moneyyapp Online lending platform for content creators | $600K | 42 mo ago | 27 | 2021 | Fayyaz Hussain Co-Founder & CEO | — | — |
| 48 | Refy Cap Online lending platform offering green financing | $525K | 27 mo ago | — | 2023 | Ed Chin Founder & CEO | — | — |
| 49 | Everex Blockchain-based microfinance and remittance platform | $500K | 105 mo ago | 11 | 2016 | — | — | — |
| 50 | ConfirmU Alternative credit score for risk profiling to institutions | $150K | 44 mo ago | 10 | 2018 | Nemmara Chithambaram Co-Founder | ReactNginxMicrosoft 365+3 | — |
Top 12 Alternative Lending companies in Singapore
#1
Atome 🦄Series B · Singapore, Singapore · founded 2016 · 601 employees$170Mraised▾
Online marketplace offering multi-category products on purchase finance. The platform offers solutions for buy now pay later and consumer financing. The product catalog includes beauty, fashion, home decor, babycare, electronics, and more. Its mobile application is available on Android and iOS platforms.
- Jan 2026Conventional Debt$345M
- Jun 2025Venture Debt$75M
- Feb 2025Conventional Debt$80M
- Jun 2024Venture Debt—
#2
Series D · Singapore, Singapore · founded 2015$197.8Mraised▾
Online platform providing digital lending solutions for small and medium-sized enterprises (SMEs), aiming to bridge the funding gap in the market. The company has secured significant funding and partnered with major financial institutions to offer flexible and accessible financing options to its clients. With a strong focus on innovation and customer service, Validus aims to bridge the funding gap for SMEs and support their growth and development.
- Dec 2025Series D$30M
- Sep 2024Conventional Debt$50M
- Jan 2024Conventional Debt$10M
- Dec 2023Series C$20M
#3
Series A · Singapore, Singapore · founded 2003 · 42 employees$30Mraised▾
Provider of digital trade finance platform connecting businesses with investors. This platform facilitates supply chain financing by bringing together businesses needing working capital and investors seeking alternative asset classes in trade finance. It leverages technology to streamline processes, improve transparency, and accelerate access to funding for businesses of all sizes. The platform offers solutions for suppliers, buyers, and funders, enabling efficient working capital management and optimized investment returns. The platform purchases trade receivables upfront, enabling early payments for suppliers and mitigating risk for investors. This model aims to address the trade finance gap, particularly for small and medium-sized enterprises.
- Dec 2025Series A$30M
#4
Series D · Singapore, Singapore · founded 2015 · 176 employees$216.5Mraised▾
Digital platform providing financing solutions for small businesses. It offers various financing options, including micro loans, term loans, and invoice financing. It aims to provide accessible and reliable financing to support business growth. The platform also facilitates debt investments for individual and institutional investors.
- Mar 2025Series D—
- Dec 2024Series D$25M
- Sep 2024Series D—
- Jan 2024Series D—
#5
Unfunded · Singapore, Singapore · founded 2015 · 163 employees$108.5Mraised▾
Provides of a P2P lending platform for business loans. It provides users with a marketplace connecting borrowers with lenders for multiple business loan products including invoice financing, purchase order financing, working capital loans, and enterprise financing schemes. It also provides financial news and a loan calculator. Its app is available for Android and iOS users.
#6
Funding Raised · Singapore, Singapore · founded 2020 · 33 employees$50Mraised▾
VoloFin is a blockchain-based platform for invoice financing. It uses AI-based credit assessment tools. It facilitates user registrations, customer onboarding, loan approval, loan disbursement, and more. Loans are provided on the basis of credit scores, invoice amounts, and loan terms.
- Nov 2024Conventional Debt$50M
#7
Seed · Singapore, Singapore · founded 2011 · 60 employees$53.8Mraised▾
Provider of a financial solutions for lending management. It provides users with a fintech company that focuses on modern finance through digital microfinancing and emerging technologies. It also provides users with loans for individuals, including emerging financial products like earned wage access and business loans and lending products for SMEs.
- Nov 2024Seed—
- Jun 2022Seed$53.8M
- Jun 2022Conventional Debt—
#8
Series A · Singapore · founded 2021 · 20 employees$3.6Mraised▾
Developer of AI-enabled credit assessment and underwriting solutions for individuals and businesses. It also provides portfolio management across borrowers and the portfolio for distribution and scaling. It features ESG screening for borrowers and is in compliance with UN Principles.
- May 2025Series A$8.5M
- Feb 2023Seed—
- Jul 2022Seed$2.6M
- May 2022Seed—
#9
Series E · Singapore, Singapore · founded 2016 · 1690 employees$700Mraised▾
Provider of big data and AI development services. It provides services to digital transformation, fraud prevention, and process automation solutions for enterprise clients in banking, fintech, retail, and e-commerce. It is the parent company of Atome. They also offer E-KYC solutions under their own umbrella of products.
- May 2023Series E$80M
- Sep 2021Series D$400M
#10
Seed · Singapore, Singapore · founded 2023$3.5Mraised▾
Provider of embedded lending and cashflow-based credit to small businesses. It offers pay-as-you-sell, Shariah-compliant working-capital financing for cashless MSMEs, with repayments linked to merchant sales and distribution through a commerce partner. It generates additional fee revenue for partner platforms and attractive risk-adjusted returns for capital providers.
- Mar 2025Seed$3.5M
- Apr 2024Seed—
#11
Series C · Singapore, Singapore · founded 2013 · 17 employees$84Mraised▾
Software for loan lifecycle management. It offers trust scores of individuals by using artificial intelligence and alternate data with underwriting and fraud management insights, digital onboarding of customers with secure transactions by using facial recognition and AI models, segmentation of customers for multiple consumer loan products, and more.
- Feb 2023Series C—
- Apr 2022Series C$65M
- Jun 2020Series B$19M
- Jul 2019Series A—
#12
Series B · Singapore, Singapore · founded 2016$225Mraised▾
Developer of an AI-powered technology transforming financial systems for underserved markets. The company focuses on making financial inclusion scalable through its technology. It aims to provide opportunities for individuals by revolutionizing access to money. The company is customer-centric, with the goal of improving lives.
- Dec 2021Series B$200M
- Nov 2021Series A$25M
Funding & investor landscape
Notable founders
Market landscape — 10 sub-themes by coverage
Share of Alternative Lending coverage by sub-theme.
Regulatory-risk over time rising
Funding & growth over time
funding rising · growth rising
Common questions
Riya reads income statements for fun. She covers the real money in a sector — revenue, growth, who actually earns — and never met a vague claim she didn't want a number for.