How Can We Help?
What is it?
How does it work?
What are my risks?
How do I start?
WHAT IS IT?
About Us
1. Who is BigFundr?
- Retail Investor: That’s you! We bring to you an opportunity to invest in loans to property developers and builders, by enabling you to be a Lender as part of a collective pool, and to reap Interest as your investment pay-out.
- Loan Financing: We offer short term loans specifically to builders and small property developers, each up to a tranche of S$5 Mil and a Loan-to-Valuation ratio of 70% max.
- Real Estate-Backed: What this means is that these loans are ultimately collateralized with a registered legal real property mortgage over a property. Our investors’ principal and interest are guaranteed by Maxi-Cash, an SGX listed company.
2. What is Loan-to-Valuation ratio?
3. Are you another online Peer-to-Business (P2B) startup?
4. How do I know you are not a Ponzi scam or some MLM?
We hold a Capital Market Services license issued by MAS (CMS101098).
We are proud to be homegrown, Singaporean and our partner is Maxi-Cash, an Singapore listed company.
5. Who are your team members?
6. Why are you investing in overseas building projects?
We have intimate in-market knowledge of the real estate sector in terms of the opportunities and the associated risks, as well as the intricacies of legislation, financing and the legal processes necessary to transact in those markets that we invest in, on your behalf.
We choose to only operate in the markets that we feel are safe and have a robust rule-of-law, and that we know well.
7. So why don’t these developers go to banks instead? Do they have bad credit?
With the rigorous borrowing requirements especially in a market like the UK/Ireland, etc. for example, smaller developers who say, require a bridging loan, usually turn to finance houses or alternative sources of financing; like us. That is where our market opportunity is!
We limit each deal tranche up to S$5 mil and to a Loan-to-Value ratio of up to 70% in our conservative approach.
HOW DOES IT WORK?
Investment Process
1. So you mean I can invest by choosing a deal on your list, putting in my money and just sit back and wait for my interest pay-outs like you promise?
We will first qualify your investing-profile as per MAS requirements.
The only conditions are that:
- Your minimum investment in any one deal is at least S$1000, and
- You must be committed to the full term of the investment till maturity. Each deal carries a different rate of return and term for your choosing.
Your pay-outs comprise of regular interest returns, and of course the principal sum, upon maturity of the term.
All your investment monies will sit in a dedicated deal escrow account until legal disbursement, so your money is always secure.
Above all, your principals and interests are guaranteed by Maxi-Cash.
2. What is an escrow account?
3. What kind of interest returns can I expect?
4. Would my interest returns be taxable?
5. How much fee does BigFundr charge?
The contractual investment returns (Interest) we offer to you typically starts from 3% and upwards per annum.
6. Is there a minimum initial deposit and for each deal what is the minimum investment amount?
7. Who decides on which building projects to finance?
BigFundr’s credit assessment team and investment committee will make the call on which viable projects to commit to, and to offer to you, always using a safe, conservative approach.
For example, we will only invest in developers with ongoing projects with proper permits and actual building works in progress. BigFundr does not engage in land banking or similar activities. Each project will be monitored through progressive reports issued by independent Quantity Surveyors on the ground, acting for the interest of Lenders.
8. What are the duration of these loans and how are the repayments of interests and principals scheduled?
Note: The type of repayment scheme for each loan will be stated clearly in each loan deal published on BigFundr.
Bullet | A single lumpsum payment of interest & principal at the end of the term. |
Monthly | Monthly payment of interest, with the final month's interest & principal paid at the end of the term. |
Quarterly | Quarterly payment of interest, with the final quarter's interest & principal paid at the end of the term. |
Semi Annually | Half yearly payment of interest, with the final half yearly's interest & principal paid at the end of the term. |
Annually | Yearly payment of interest, with the final year's interest & principal paid at the end of the term. |
9. Can I invest in more than one deal ?
10. Can I come on later into a deal ?
11. Can I cancel my participation in any deal ?
Once your funds has been invested in a deal , we would need you to commit to invest for the full term of the deal till maturity.
12. Why should I diversify my investments?
13. After maturity of the term, can I reinvest?
14. Is there a Relationship Manager assigned to me?
However, we will assign relationship manager when the sums invested are more than S$200,000 per investor account.
15. Can I redeem my money halfway through the term?
16. Do I invest in SGD or foreign currency? What if the exchange rate fluctuates?
By doing so, you will not be exposed to any currency risks.
17. Do you put your own opportunities up on the platform?
No. BigFundr only puts up carefully assessed projects from developer-borrowers (or at times through professional and institutional debt fund managers) onto the platform.
Where we are funding projects through any of our partners, BigFundr will always highlight this in the factsheet.
18. What happens if a loan is not fully raised initially?
Loans which have cleared Investment Committee will be fully funded. All loan amounts raised from retail investors, together with Maxi-Cash invested funds will be disbursed to borrower’s appointed agent (i.e. Lawyer in United Kingdom who prepares and executes the loan contracts) to administer the funds in accordance with the contracts.
WHAT ARE MY RISKS?
Credit Risk
1. What happens if the developer-borrower misses the payments?
2. What happens if the developer-borrower defaults?
3. What is a Security Trustee?
4. Do I carry the default risk?
Maxi-Cash will guarantee to take over the loan in case of a Borrower default! The legal contract then becomes theirs to bear. You are protected.
This means that notwithstanding the default situation, you, the Retail Investor, will be guaranteed the return of your principal sum and interests, no matter what.
5. How do you access the risk of potential developer-borrowers?
6. What happens if the developer-borrower goes bankrupt?
7. Are there measures in place to prevent developer-borrower fraud?
Additionally, Maxi-Cash guarantees all principals and interests for our retail investors.
Operational Risk
1. Is this safe? Will I get my money back?
Coupled with the contractual interest we promise to pay you based on the deals that you choose, our partner Maxi-Cash guarantees your principal and your interests.
Your investment monies are always deposited into dedicated deal escrow accounts, so that you are assured of legal accountability throughout the whole transaction.
2. Are you reliable? You are a new start-up.
Every new entrant in the market has to pass the rigorous licensing and operational accreditation set out by MAS to protect you, the Retail Investor.
We hold a CMS licence. (CMS101098)
All your monies are transacted directly with the borrowers, through the appointed Escrow Agent, so nobody in BigFundr will get access to your monies invested!
We partner Maxi-Cash, a SGX listed company and they have undertaken to guarantee all investors’ principals and interests in the loans.
3. You are investing in overseas markets; what about currency exchange risks?
4. How robust is your IT systems and platform against hacking and attacks?
5. I have closed my BigFundr account. What happens to my data?
Please be assured that BigFundr complies with Section 25 of the Personal Data Protection Act 2012 and will cease to retain personal data when retention is no longer necessary for legal or business purposes.
HOW DO I START?
Getting Started
Account Opening
1. How do I open an account with BigFundr?
To begin, click here to sign up.
2. Is there an initial minimum deposit ?
3. What are the documents required to open an account?
- Identity Card/Employment Pass/Entrepreneur Pass/S Pass/Work Permit/Passport
- Bank statement(s)
- Proof of residency (for non-Singaporean).
4. What do I do if I have trouble uploading my personal documents?
Deposits / Withdrawals / Investments
1. How do I deposit into my BigFundr account?
2. After sending funds to my account, how long will it take for the amount to be reflected?
3. How do I withdraw money out of my account?
4. What is the cut-off time to initiate a withdrawal?
5. What is the minimum withdrawal limit from my account each time?
6. Are there minimum investment amount ?
MY ACCOUNT
Account Profile
1. How do I check my particulars?
2. How do I update my particulars?
3. I forgot my password; how do I retrieve it?
4. Where can I see monthly repayments?
Privacy and Data Protection
1. Are my details kept private?
All personal details will be kept in accordance with the Personal Data Protection Act (PDPA).
2. What kind of information can I see about the developer-borrowers?
3. Can I contact the developer-borrowers?
4. Where can I find more information about BigFundr Privacy Policy?
Account Ownership
1. I’m a foreigner. If I leave to move back to my own country, what happens to my account?
2. Can I transfer my investment account to someone else?
3. Will my next-of-kin inherit my active account, just in case of anything untoward happens?
FAQ

What is it?
How does it work?
What are my risks?
How do I start?
How Can We Help?

What is it?
How does it work?
What are my risks?
How do I start?
WHAT IS IT?
About Us
1. Who is BigFundr?
- Retail Investor: That’s you! We bring to you an opportunity to invest in loans to property developers and builders, by enabling you to be a Lender as part of a collective pool, and to reap Interest as your investment pay-out.
- Loan Financing: We offer short term loans specifically to builders and small property developers, each up to a tranche of S$5 Mil and a Loan-to-Valuation ratio of 70% max.
- Real Estate-Backed: What this means is that these loans are ultimately collateralized with a registered legal real property mortgage over a property. Our investors’ principal and interest are guaranteed by Maxi-Cash, an SGX listed company.
2. What is Loan-to-Valuation ratio?
3. Are you another online Peer-to-Business (P2B) startup?
4. How do I know you are not a Ponzi scam or some MLM?
We hold a Capital Market Services license issued by MAS (CMS101098).
We are proud to be homegrown, Singaporean and our partner is Maxi-Cash, an Singapore listed company.
5. Who are your team members?
6. Why are you investing in overseas building projects?
We have intimate in-market knowledge of the real estate sector in terms of the opportunities and the associated risks, as well as the intricacies of legislation, financing and the legal processes necessary to transact in those markets that we invest in, on your behalf.
We choose to only operate in the markets that we feel are safe and have a robust rule-of-law, and that we know well.
7. So why don’t these developers go to banks instead? Do they have bad credit?
With the rigorous borrowing requirements especially in a market like the UK/Ireland, etc. for example, smaller developers who say, require a bridging loan, usually turn to finance houses or alternative sources of financing; like us. That is where our market opportunity is!
We limit each deal tranche up to S$5 mil and to a Loan-to-Value ratio of up to 70% in our conservative approach.
HOW DOES IT WORK?
Investment Process
1. So you mean I can invest by choosing a deal on your list, putting in my money and just sit back and wait for my interest pay-outs like you promise?
We will first qualify your investing-profile as per MAS requirements.
The only conditions are that:
- Your minimum investment in any one deal is at least S$1000, and
- You must be committed to the full term of the investment till maturity. Each deal carries a different rate of return and term for your choosing.
Your pay-outs comprise of regular interest returns, and of course the principal sum, upon maturity of the term.
All your investment monies will sit in a dedicated deal escrow account until legal disbursement, so your money is always secure.
Above all, your principals and interests are guaranteed by Maxi-Cash.
2. What is an escrow account?
3. What kind of interest returns can I expect?
4. Would my interest returns be taxable?
5. How much fee does BigFundr charge?
The contractual investment returns (Interest) we offer to you typically starts from 3% and upwards per annum.
6. Is there a minimum initial deposit and for each deal what is the minimum investment amount?
7. Who decides on which building projects to finance?
BigFundr’s credit assessment team and investment committee will make the call on which viable projects to commit to, and to offer to you, always using a safe, conservative approach.
For example, we will only invest in developers with ongoing projects with proper permits and actual building works in progress. BigFundr does not engage in land banking or similar activities. Each project will be monitored through progressive reports issued by independent Quantity Surveyors on the ground, acting for the interest of Lenders.
8. What are the duration of these loans and how are the repayments of interests and principals scheduled?
Note: The type of repayment scheme for each loan will be stated clearly in each loan deal published on BigFundr.
Bullet | A single lumpsum payment of interest & principal at the end of the term. |
Monthly | Monthly payment of interest, with the final month's interest & principal paid at the end of the term. |
Quarterly | Quarterly payment of interest, with the final quarter's interest & principal paid at the end of the term. |
Semi Annually | Half yearly payment of interest, with the final half yearly's interest & principal paid at the end of the term. |
Annually | Yearly payment of interest, with the final year's interest & principal paid at the end of the term. |
9. Can I invest in more than one deal ?
10. Can I come on later into a deal ?
11. Can I cancel my participation in any deal ?
Once your funds has been invested in a deal , we would need you to commit to invest for the full term of the deal till maturity.
12. Why should I diversify my investments?
13. After maturity of the term, can I reinvest?
14. Is there a Relationship Manager assigned to me?
However, we will assign relationship manager when the sums invested are more than S$200,000 per investor account.
15. Can I redeem my money halfway through the term?
16. Do I invest in SGD or foreign currency? What if the exchange rate fluctuates?
By doing so, you will not be exposed to any currency risks.
17. Do you put your own opportunities up on the platform?
No. BigFundr only puts up carefully assessed projects from developer-borrowers (or at times through professional and institutional debt fund managers) onto the platform.
Where we are funding projects through any of our partners, BigFundr will always highlight this in the factsheet.
18. What happens if a loan is not fully raised initially?
Loans which have cleared Investment Committee will be fully funded. All loan amounts raised from retail investors, together with Maxi-Cash invested funds will be disbursed to borrower’s appointed agent (i.e. Lawyer in United Kingdom who prepares and executes the loan contracts) to administer the funds in accordance with the contracts.
WHAT ARE MY RISKS?
Credit Risk
1. What happens if the developer-borrower misses the payments?
2. What happens if the developer-borrower defaults?
3. What is a Security Trustee?
4. Do I carry the default risk?
Maxi-Cash will guarantee to take over the loan in case of a Borrower default! The legal contract then becomes theirs to bear. You are protected.
This means that notwithstanding the default situation, you, the Retail Investor, will be guaranteed the return of your principal sum and interests, no matter what.
5. How do you access the risk of potential developer-borrowers?
6. What happens if the developer-borrower goes bankrupt?
7. Are there measures in place to prevent developer-borrower fraud?
Additionally, Maxi-Cash guarantees all principals and interests for our retail investors.
Operational Risk
1. Is this safe? Will I get my money back?
Coupled with the contractual interest we promise to pay you based on the deals that you choose, our partner Maxi-Cash guarantees your principal and your interests.
Your investment monies are always deposited into dedicated deal escrow accounts, so that you are assured of legal accountability throughout the whole transaction.
2. Are you reliable? You are a new start-up.
Every new entrant in the market has to pass the rigorous licensing and operational accreditation set out by MAS to protect you, the Retail Investor.
We hold a CMS licence. (CMS101098)
All your monies are transacted directly with the borrowers, through the appointed Escrow Agent, so nobody in BigFundr will get access to your monies invested!
We partner Maxi-Cash, a SGX listed company and they have undertaken to guarantee all investors’ principals and interests in the loans.
3. You are investing in overseas markets; what about currency exchange risks?
4. How robust is your IT systems and platform against hacking and attacks?
5. I have closed my BigFundr account. What happens to my data?
Please be assured that BigFundr complies with Section 25 of the Personal Data Protection Act 2012 and will cease to retain personal data when retention is no longer necessary for legal or business purposes.
HOW DO I START?
Getting Started
Account Opening
1. How do I open an account with BigFundr?
To begin, click here to sign up.
2. Is there an initial minimum deposit ?
3. What are the documents required to open an account?
- Identity Card/Employment Pass/Entrepreneur Pass/S Pass/Work Permit/Passport
- Bank statement(s)
- Proof of residency (for non-Singaporean).
4. What do I do if I have trouble uploading my personal documents?
Deposits / Withdrawals / Investments
1. How do I deposit into my BigFundr account?
2. After sending funds to my account, how long will it take for the amount to be reflected?
3. How do I withdraw money out of my account?
4. What is the cut-off time to initiate a withdrawal?
5. What is the minimum withdrawal limit from my account each time?
6. Are there minimum investment amount ?
MY ACCOUNT
Account Profile
1. How do I check my particulars?
2. How do I update my particulars?
3. I forgot my password; how do I retrieve it?
4. Where can I see monthly repayments?
Privacy and Data Protection
1. Are my details kept private?
All personal details will be kept in accordance with the Personal Data Protection Act (PDPA).
2. What kind of information can I see about the developer-borrowers?
3. Can I contact the developer-borrowers?
4. Where can I find more information about BigFundr Privacy Policy?
Account Ownership
1. I’m a foreigner. If I leave to move back to my own country, what happens to my account?
2. Can I transfer my investment account to someone else?
3. Will my next-of-kin inherit my active account, just in case of anything untoward happens?