Borrowing in Singapore is broken,
We’re here to fix it.
Most borrowers see one or two options before deciding.
The system isn’t built to help you compare, it’s built to make you choose quickly.
THE PROBLEM
Most borrowers never see the full picture.
Singapore has multiple banks and over 150 licensed moneylenders offering personal loans. Real choice exists — but the market wasn’t built for easy comparison.
WHY IT HAPPENS
The loudest offer wins, not the best one.
Commission structures, priority placements, and opaque rankings funnel you toward certain lenders, not the best one for your situation.
HOW WE FIX THAT
One application. Every lender, equal footing.
All our lending partners receive your application at the same time, and on the same terms.
No priorities, no favourites.
Best offer wins.
150+
Banks and licensed moneylenders
in Singapore
$77b
Personal loans outstanding
(MAS, Jan 2026)
1
Application on FundBright
to reach them all
WHAT WE STAND FOR
Built around you.
Transparency first
Get the full picture before you decide – rates, fees, total repayment. No surprises.
Equal footing
Every lender competes on the same terms. The best offer wins. (Not who pays us the most.)
Built for you
Every offer you see is tailored to you and the best each lending partner is willing to offer.
We’re an open book.
FundBright was founded in 2026 in Singapore to build the first personal loan comparison platform where the platform’s commission is structurally tied to the borrower’s rate, not to the lender’s willingness to pay a flat fee.
Every comparison platform that existed before FundBright operates on flat-fee economics. Every incumbent in Singapore’s personal loan comparison market earns the same commission regardless of whether the borrower receives a 2% or 4% per month rate. That structure gives the lender no reason to drop their rates, even if the borrower might qualify for better rates.
FundBright was built to close that gap. The inverse commission model ties the platform’s revenue to the borrower’s outcome: when the borrower gets a lower rate, FundBright earns a lower commission from the lender, which encourages every lender in the network to compete on rate instead of maximising what they charge and competing on sponsored placements.
FundBright is listed on the Singapore FinTech Association registry as “a free-to-use loan comparison platform that connects borrowers to personalised loan offers from lending partners.”
Flat-commission broker economics removes the lender’s reason to compete on rate. When the lender gets charged the same commission fees regardless of what rate the borrower receives, every lender’s simplest path is to quote at or near the regulatory maximum.
Under the standard broker model, a licensed moneylender pays the comparison platform a fixed commission per disbursed loan. The amount does not change whether the borrower receives a rate of 2% or 4% per month. That is the default incentive structure that every comparison platform in Singapore’s personal loan market operates on.
Flat commission removes the platform’s structural reason to negotiate for a lower rate, and lenders in the network default to pricing at or near the 4% per month ceiling.
The comparison process produces multiple options, but of similar rates. The borrower thinks they are shopping for options, but lenders are not competing. They are quoting rates at the ceiling because nothing in the broker’s commission structure gives them a reason to do otherwise.
FundBright’s inverse commission model reverses that dynamic. When a lender offers a lower rate, FundBright’s commission fee drops. When a lender offers a higher rate, FundBright’s commission increases. The platform’s revenue is contractually tied to the borrower’s rate outcome.
The inverse commission model is a contractual structure. The signed commission agreement between FundBright and each lender makes the inverse relationship binding.
A lender that offers 2.5% per month pays a lower commission fee than a lender that offers 3.5%. The lender saves on commission fees by offering the borrower a better rate. The borrower saves on interest. FundBright earns less per loan but builds a network where lenders have a structural reason to compete below the ceiling.
Closed-loop attribution is the enforcement mechanism. FundBright captures the final disbursed terms from both the lender and the borrower. Without that closed loop, the inverse commission model collapses back into flat-fee economics because the platform has no way to verify what rate was actually disbursed.
The model works because what is good for the borrower is also good for the business. A borrower who gets a genuinely good rate is more likely to come back, refer a friend, and trust the platform with a future loan. That repeated trust is worth more over time than squeezing the most commission fee out of a single transaction. The alignment is structural, not aspirational.
- How does a loan broker make money?
How does a loan broker make money?
A loan broker earns commission fees from the lender on disbursement, not from the borrower. Under the standard flat-commission model, the broker earns the same regardless of whether the borrower gets the best or worst rate. Under FundBright’s inverse-commission model, the commission fee drops when the lender offers a lower rate, allowing lenders to reward borrowers with stronger profiles.
FundBright’s founder launched the platform in 2026 after 5.5 years in management consulting (M&A strategy, tech-side M&A, and VC fintech exposure in Southeast Asia).
The consulting years gave the founder a structural view of how financial services businesses are built, acquired, and valued — not just how to market them.
FundBright is the thesis that emerged from that pattern. If the platform’s commission drops when the lender offers a lower rate, the lender has a structural reason to compete below the ceiling. The inverse commission model is the mechanism; the founding insight is that no comparison platform in Singapore’s personal loan market had built it.
- Founding team
- Registry and public records
Founding team
2.5 years management consulting (M&A strategy, technology/software); 3 years venture capital (early-stage fintech, Southeast Asia)
Registry and public records
- SFA FinTech Association: FundBright is a member of the Singapore FinTech Association and listed on the SFA directory as “a free-to-use loan comparison platform that connects borrowers to personalised loan offers from lending partners.”
- MinLaw register: Every lender in the network is verifiable on the licensed moneylender register.
- ACRA: UEN: 202532538M
The founder’s background bridges the two disciplines that FundBright’s model requires: the M&A consulting lens for structural credibility and the VC fintech exposure for platform mechanics.
FundBright launched with 10–15 licensed moneylender partners in Singapore, each contractually bound to the inverse commission agreement.
- How lenders are selected
- How the inverse commission is enforced
- Network at launch
- Can I use a broker for a personal loan?
How lenders are selected
Every lender in the FundBright network holds a current licence under the Moneylenders Act Cap. 188. FundBright verifies each lender against the MinLaw licensed moneylender register before onboarding. No unlicensed operators. No offshore lenders. No lenders whose licence is suspended or under review.
The selection criteria are binary: the lender holds a valid MinLaw licence and signs the inverse commission agreement. FundBright does not operate a tiered “premium ” or “preferred” lender programme. Every lender in the network competes on the same terms.
How the inverse commission is enforced
Each lender signs a commission agreement that scales inversely with the rate offered to the borrower. FundBright captures the final disbursed terms from both the lender and the borrower after the in-person verification step. That closed-loop attribution is the enforcement mechanism.
Without closed-loop attribution, any inverse commission promise is unverifiable. The platform cannot confirm whether the lender actually offered the rate that was quoted. FundBright’s system captures both sides of the transaction, creating an auditable record that keeps the commission model honest.
Network at launch
| Metric | Value | Source |
|---|---|---|
| Licensed moneylender | 10 | FundBright |
| Target disbursement rate | 90% | FundBright |
| Commission model | Inverse commission (contractual) | Signed commission agreements |
| Licence verification | MinLaw register (public) | Per-lender check at |
| Attribution | Closed-loop (lender + borrower) | Platform architecture |
The network is designed to expand post-launch. FundBright does not claim “widest network” or “most lenders.” The claim is narrower and verifiable: every lender in the network competes on rate because the commission structure forces it. Every lender in the network competing on rate produces better outcomes than a larger pool quoting at the ceiling.
Can I use a broker for a personal loan?
Yes. A loan broker compares offers from multiple lenders on your behalf. In Singapore’s licensed moneylender market, brokers operate as comparison platforms. FundBright is the only platform where the comparison platform’s commission drops when the lender offers a lower rate, creating a structural reason for lenders to compete below the 4% per month ceiling.
FundBright operates the same inverse commission model across all three services: how inverse commission works for personal loans, compare debt consolidation loan offers, and compare renovation gap loan offers.
FundBright is a loan comparison platform connecting borrowers with licensed moneylenders under the Moneylenders Act Cap. 188. FundBright does not lend money, set rates, or hold borrower funds.
- What FundBright is
- What FundBright is not
- Governing legislation
What FundBright is
A free-to-use loan comparison platform. Borrowers submit one form. Licensed moneylenders in the network submit an offer based on the borrower’s profile. The best offer is delivered within 24 hours. FundBright is paid by the lender on disbursement through an inverse commission model. The borrower pays nothing.
What FundBright is not
- Not a licensed moneylender. FundBright does not hold a moneylending licence and does not disburse loans.
- Not a bank. FundBright does not accept deposits, issue credit, or operate under MAS supervision.
- Not a lead-generation affiliate. FundBright is paid on disbursement, not on leads. The platform earns nothing if the borrower does not proceed.
- Not associated with unlicensed lending. Q188223 (Loan shark) is the explicit preclusion. Every lender in the network holds a current MinLaw licence.
Governing legislation
- Moneylenders Act (Cap. 188): Governs all lenders in the network.
- MinLaw Registrar of Moneylenders: Licensing authority for every lender partner.
- PDPA: Governs borrower data handling.
- MLCB: Handles credit bureau reporting for all licensed-lender transactions.
If you want to see how the model works on your profile, find your loan rate — no credit impact, no cost, no obligation. No priority, no favourites. Best offer wins. You stay in control.