by capital-guru | Nov 28, 2025 | Insights
Singapore will implement another major CPF adjustment from 1 January 2026—a rise in the CPF Ordinary Wage (OW) income ceiling. This change follows a multi-year plan to strengthen workers’ retirement adequacy. While positive for employees, it will directly increase...
by capital-guru | Nov 20, 2025 | Insights
When business owners think of ways to improve cashflow, the first instinct is often to take a loan. While financing can be helpful, it shouldn’t be your only solution — especially if your business simply needs better cashflow discipline, not more debt. Here are...
by capital-guru | Nov 14, 2025 | Insights
For many SME owners, the thought of applying for a business loan can feel daunting — paperwork, financial statements, and back-and-forth with banks. As a result, some choose the path of least resistance: applying for a personal loan to fund their business cashflow. It...
by capital-guru | Nov 9, 2025 | Insights
As a business owner, you’ve probably heard the term “working capital loan” tossed around by bankers, lenders, or consultants. But what exactly does it mean — and how do you know if your company actually needs one? In this article, we’ll break down what a working...
by capital-guru | Oct 26, 2025 | Insights
In today’s hyper-connected world, capital isn’t just about dollars and cents. A growing number of business owners are realising that social currency — the trust, goodwill, and influence you hold in your network — can be just as powerful, if not more, than...
by capital-guru | Oct 13, 2025 | Insights
This isn’t a story about giving up. It’s a confession about business burnout — the silent stress that creeps in when your business scales faster than your cash flow can support. “I was happier running a $2 million business than an $8 million one.” For many SME owners,...
