Insights

Expert Advice and Insights on Business Loans and Financing

Borrower, Mortgagor and Guarantor: What Is the Difference?

When reviewing a financing arrangement, many borrowers focus on the loan amount, interest rate and monthly instalment. But there is another part of the structure that is equally important: Who is the Borrower? Who is the Mortgagor? And who is the Guarantor? These...

Case Study of Credit Repair: How CapitalGuru Helped a Homeowner Escape a Debt Spiral

For homeowners carrying substantial personal debt, un-locking property equity through refinancing appears to be the obvious solution. Here is the catch,  the very debt they are trying to clear can also prevent them from qualifying for refinancing. That was the...

Case Study: How CapitalGuru Secured 90% Property Financing For An OTP Expiring in 3 Days

Property financing can become especially challenging when time is running out. In this case, Company A was referred to CapitalGuru with its OTP expiring in just 3 days. The Option to Purchase had already been extended once, and the case had previously gone through two...
Buy or Rent for Your Business? Key Considerations for SMEs

Buy or Rent for Your Business? Key Considerations for SMEs

When an SME needs a warehouse, office, showroom or factory, one of the biggest decisions is whether to buy or rent for your business. There is no universal answer. For some businesses, renting provides flexibility and preserves working capital. For others, owning the...

Difference Between Employee and Contractor: Know Your Rights

Difference Between Employee and Contractor: Know Your Rights

In Singapore’s evolving work environment, the difference between employee and contractor can seem blurred especially so for those who are just stepping into the workforce. But understanding the distinction is critical — whether you’re being hired or doing the hiring....

Solopreneur to Entrepreneur: How to scale your business

Solopreneur to Entrepreneur: How to scale your business

In today’s fast-moving business landscape, many people start out as solopreneurs — launching small businesses based on their skills or passions. But some reach a point where they want to grow beyond a one-man show. That’s where the transition from solopreneur to...

Case Study: How to Buy Out Shareholders with Financing

Case Study: How to Buy Out Shareholders with Financing

In the journey of growing a business, partnerships can evolve — and sometimes, diverge. Whether due to retirement, changing visions, or irreconcilable differences, business owners often reach a point where one party needs to exit. When this happens, many SMEs ask:...

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