YOUR LOAN APPROVAL STARTS HERE

Loan process made simple, clear and fuss-free
We work with banks and financial institutions to get you the right loan, guiding you from credit improvement to disbursement.

Choose the Financing that fits your needs best

Take Control of Your Cash Flow with a Personal Loan

Struggling with high interest or tight cash? We'll create a solution that fits you, even if your credit isn't perfect.

Common Issues

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Inflating Credit Card Debt

Owe over $5K? We’ll combine your credit cards into one loan with better terms so you can breathe easier.

We consolidated a client’s multiple credit card and lender debts, cutting his monthly payments by 58%.

Bank Rejections

Tired of getting rejected with no explanation? We find out what went wrong and help you fix it. Then we build your profile so banks see you as a top customer they want to lend to.

Jane was rejected by two banks with no clear reason. We found the issues, fixed them, and helped her get approved fast.

Low Credit Score

We’re the only team in Singapore that offers full CBS repair support. If your credit rating is holding you back, we’ll help rebuild it so you can finally qualify for real approvals.

A client initially had a HH rating and had been rejected by multiple banks. With a customised recovery plan, his score improved to BB quickly. He was finally able to secure the funding he needed.

Drowning in Bills

From hospital bills to urgent repairs, we act fast when life hits hard. We help you get the funds you need before things spiral further.

One client had over 45000 in outstanding bills including hospital fees, rent, and car repairs. We stepped in quickly, assessed the situation, and secured the funds to bring everything back under control.

Own a private property?

We help you turn your property into working capital through cash out solutions. Use it to clear debts or fund new opportunities.

A homeowner came to us needing funds. We helped him unlock over 800,000 from his property, which he used to settle debts and grow his business.

Stay Informed Every Step of the Way

No more chasing banks or guessing where your application stands. We connect you with over 40 financial partners and keep you updated in real time.

Are You Eligible?

Criteria for a Personal Financing according to Banks

Singaporean/PR

21+ years old

Minimum Annual Income: $20,000

Foreigner (Valid Work Pass)

21+ years old

Minimum Annual Income: $45,000

Malaysian (Work Permit)

21+ years old

Basic monthly salary: $2500

Documents Required

Credit Bureau Report (Official Credit Report)

Notice of Assessment (Total Income for 2025 & 2024)

Not sure how to get these documents? Don't worry, we'll guide you step-by-step.

Why Apply Through Cedpital?

Getting a loan should be simple, fast and stress free.

Our Mission:
To match you with the right loan, guide you through the process and negotiate with banks to get you the best results.

We're not lenders. We're your financing partner.

Don't leave your loan outcome to chance. We negotiate behind the scenes, unlock hidden rates, and give you an edge you won't get applying on your own.

Criteria	Apply Yourself	With Cedpital
Interest Rate	5.88% – 6.5%	As low as 2% – 4% (with option of deviated rates)
Loan Matching	Limited to your search	Matched to hidden banker campaigns
Negotiation	You negotiate alone	We negotiate with leverage
Processing Fee	1–2% standard	Often reduced or waived
Requirements	Full bank docs required	Can skip some statements
Loan Limit	Strictly profile-based	Increased early access

What You Don't Know Might Cost You More

We check internal bank scores before applying

Get matched to better loan campaigns instantly

Enjoy waived fees, lower rates, and less red tape

We talk to real bankers—not just online forms

Your Roadmap to Smarter Financing

Here's how we help you get the financing you need, simplified into three easy steps.

Assessment

We assess your financial standing — including repayment ability and debt-to-income ratio — to ensure we recommend only the loans you actually qualify for and can manage with confidence.

Consultation & Guidance

✅ Loan Approved

We guide you on how to draw down your loan with the best tenure and interest so that it works smartly for you.

❌ Loan Rejected

We help you understand why and advise on how to improve your financial profile, optimize usage, and reapply confidently.

Approval & Beyond

Approval is just the beginning. We help you make the most of your funds with repayment planning, credit repair guidance, and future loan strategy support.

Beyond Funding: Real Growth Support For Businesses

At Cedpital, we don’t just help you secure financing, we actively help you grow your business.

We offer professional business support services to boost your visibility, traffic, and sales:

Website Development that turns visitors into customers
Digital Marketing across FB, IG, Google, or LinkedIn, designed to drive leads and engagement
Expert Advice backed by our broad network and hands-on industry experience

A retail client saw a 3× increase in sales after we redesigned their website and launched their first Facebook ad campaign.

Know someone who needs funding?

Refer them to Cedpital and enjoy rewards, perks, and priority access to exclusive benefits. Our referral program is straightforward, flexible, and designed to thank you for connecting us with those who need our help.

📲 Become a Referral Partner

Help a Friend Get Funded

Explore Our Success Stories

They were once in your shoes: unsure, stuck, or rejected. Here’s how we helped them move forward, one smart decision at a time. Some details, including names, have been changed for privacy. Click on the card to find out more.