Make meaningful investments with us

Investors on our platform can earn attractive returns while supporting local SMEs that they truly care about.

* Terms and conditions apply.

Receive a Huawei Band 6 Smart Watch when you invest a minimum of 1,000 SGD on SmartFunding, before 23 April 2022.

*Terms & Conditions:
– Open to new investors only.
– Submit all required documents and be successfully verified as an investor before 23 April 2022.
– Invest a minimum of 1,000 SGD.
– While stocks last.

At SmartFunding, we make investing as easy as pie. You invest in loans or projects put up by SMEs, and in return you get profits. How much you will earn will clearly be stipulated in each SME project. Yes, that includes your returns, your duration, and even your risks.

Why be a SmartFunding Investor?

Flat lay of real estate concept


Generate stronger returns of up to 24% per year* compared to fixed deposits as well as popular international indexes for bonds, stocks, and even real estate.

*Actual annual returns depend on investment strategy and may differ from the returns mentioned here.

Group of people with their hands together


Who says you can't earn and do good at the same time? By investing in SME loans, you're also supporting local businesses to grow sustainably and profitably.



Mitigate risks by diversifying your portfolio either manually or via our Auto Invest feature. Invest from as little as S$100.

graphic-dots-impact-yellow.pngWhat We Promise



Easy to Start. Easy to Control.

Start investing from as little as 100 SGD, or build portfolios of any size.  Hand pick your investments or automate them. You’re always in control here at SmartFunding.



Diversify and Limit Your Exposure

Reduce exposure to borrower defaults by investing in only small parts of many loans. Once again, do this manually or automatically. The choice is yours—always!



Investor Risk Management

To manage investors’ risks, we put all borrowers through a series of rigorous checks prior to their loans being listed on our platform. Importantly, our non-performing loan (NPL) ratio is at 0% to date—a true testament to our due diligence.


Investor Protection

It’s important to note that your funds are never held by us but by our Escrow agent, Vistra. This means that in the event that SmartFunding goes bankrupt, your money is thus protected.