3M SORA 3.7479% DBS SME WCL 3.80% p.a. OCBC SME WCL 3.60% p.a. HSBC Personal 1.80% p.a. DBS Personal 1.48% p.a. Maybank Commercial 2.37% p.a. HSBC Residential 0.85% p.a. 3M SORA 3.7479% DBS SME WCL 3.80% p.a. OCBC SME WCL 3.60% p.a. HSBC Personal 1.80% p.a. DBS Personal 1.48% p.a. Maybank Commercial 2.37% p.a. HSBC Residential 0.85% p.a.
Singapore's Most Complete Financial Platform

Every Loan.
One Smarter Platform.

Personal loans, SME business financing, property mortgages, and corporate banking — compared, matched, and approved faster than any bank.

Calculate My Rate → Explore Products
MAS Licensed · Credit Score Protected · No Spam Calls · Free Service
70+
Banks & Lenders
300k+
Borrowers Matched
$2B+
Loans Facilitated
60s
Approval Time
1M SORA
3.7698%
3M SORA
3.7479%
6M SORA
3.7308%
1M SIBOR
4.025%
3M SIBOR
4.056%
Updated
26 Mar 2026
What We Offer
Every Financial Product,
Under One Roof

From personal loans to SME business financing — compare, calculate, and apply without the runaround.

💼
SME Business Loan
Working Capital, Temporary Bridging Loan, and government-assisted schemes for Singapore businesses.
6.5% p.a. from
No Collateral Up to $500K 24hr Approval
👤
Personal Loan
Lowest personal loan rates matched anonymously to protect your credit score. No spam calls.
1.48% p.a. from
Credit Safe Instant Match Free Service
🏢
Commercial Property
New purchase and refinancing for commercial and industrial properties. Up to 120% financing.
2.37% p.a. from
120% Financing SORA-pegged
🏠
Home Loan
Residential mortgage for new purchase or refinancing. Compare SORA-pegged and fixed rate packages.
0.85% p.a. from
Fixed & Floating Refi Savings Calc
🏦
Business Bank Account
Open a corporate SGD/USD account online in 5 minutes. Zero minimum balance, free internet banking.
$0 min balance
5-min Setup No Annual Fee
💳
Credit Cards & Insurance
Corporate credit cards, auto insurance, and remittance — all compared side-by-side for Singapore SMEs.
350+ products
Cards Insurance Remit
Live Rates
Today's Best Rates
Bank / Product Flat Rate EIR Tenure Type
DBS Personal Loan
CashLine / Term Loan
 1.48% 2.84% Up to 5 yrs BEST RATE
HSBC Personal Loan
No Processing Fee
 1.80% 3.50% Up to 7 yrs POPULAR
UOB Personal Loan
Same-day disbursement
 1.85% 3.54% Up to 5 yrs FAST
OCBC SME WCL Loan
Working Capital
 3.60% 6.50% Up to 5 yrs SME
DBS SME WCL Loan
Working Capital
 3.80% 6.75% Up to 5 yrs SME
HSBC 2YR 1M SORA
Residential
 0.85% 1.50% Up to 30 yrs BEST RATE
Maybank 2YR Board Rate
Commercial
 2.37% 3.80% Up to 25 yrs POPULAR
Smart Calculator
Find Your Monthly Payment

Instantly see your repayment schedule across loan types.

Loan Amount $50,000
Loan Tenure 36 months
Interest Rate (p.a.) 1.48%
$1,441
Estimated monthly payment
Loan Amount $50,000
Total Interest $1,880
Total Repayment $51,880
Effective Rate (EIR) 2.84%
✦ AI-POWERED
Know Before You Apply.
AI Loan Eligibility.

Our proprietary AI analyses your business and personal financial profile to predict approval likelihood — before you ever submit a single application to a bank.

✓
Checks your CBS credit score impact before applying
✓
Predicts which banks will approve you and at what rate
✓
Anonymously matches you — lenders don't see your identity
✓
Singpass MyInfo integration for instant data pull
✓
Results in under 60 seconds, zero spam calls
Check My Eligibility Free →
AI ELIGIBILITY SCORE
72
/ 100
Credit Score (CBS) BB+
Debt Servicing Ratio 38%
Income Stability Strong
Business Age 2.5 yrs
Likely Approval From
DBS · OCBC · CIMB · Aspire
Why ARMD8
We're Built Different
01
🔒
Credit Score Protected
We submit anonymously — your CBS score only gets hit when you choose to accept an offer. Other platforms don't do this.
02
⚡
One Form, All Lenders
Fill out once and reach 70+ banks and licensed lenders simultaneously. No repeating yourself to every institution.
03
🏢
SME + Personal, Together
The only platform in Singapore combining personal loans, SME loans, property, and corporate banking in one place.
04
🤖
AI-Driven Matching
Our AI analyses your profile and predicts approval likelihood before you apply — so you only apply where you'll succeed.
Testimonials
Trusted By Singapore Businesses
★★★★★
"Secured a $200K SME Working Capital Loan in under 48 hours. The AI eligibility check told me exactly which banks to target. Incredible."
JT
Jason Tan
Director, F&B Group
★★★★★
"Refinanced my commercial property and saved $18,000 in interest. The side-by-side comparison made it easy to see exactly where the savings were."
SL
Sharon Lim
Property Investor
★★★★★
"Got matched to 4 personal loan offers in 60 seconds. No spam calls, no pressure. Just the best rate from DBS, done. This is how it should work."
RK
Ravi Kumar
IT Consultant