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Our Mission

To empower investors and businesses and deliver on their financial goals through customised solutions and financial technology.  

Our Belief

At Minterest, we believe in bringing financial inclusion to the unbanked and underserved businesses. Businesses have constantly been constrained by various requirements of conventional finance providers.  As experienced former bankers, we believe we can turbocharge their businesses to bring their future to the present.

We also believe in enabling investors with financial knowledge and access to quality investments, offering them a path to financial empowerment.

Our Vision

To create a sustainable community in which investors and businesses mutually benefit by collaborating and leveraging on innovations in financial technology.

As a leading marketplace lending platform, Minterest intends to use a broad spectrum of innovative technologies and our team’s financial expertise to overcome existing real world financial shortcomings.

About Minterest

Dedicated, experienced founding team

Minterest is a marketplace lending financial technology platform founded by a team of former bankers with deep experience in corporate and structured finance. Its aim is to empower investors and businesses, enabling them to reach their financial goals.

Customised and well-structured loans

Minterest combines the depth of the team’s financial expertise with the breadth of financial technology to provide simple, cost-effective, customised solutions for businesses. In doing so, Minterest brings to investors quality businesses whose well-structured loans they can invest in.

Building tomorrow's financial ecosystem

Minterest is about building tomorrow’s financial ecosystem - one that serves rather than rules. We aim to bring a fresh perspective to marketplace lending.

Team Bio

Charis Liau, CFA
Charis Liau, CFA
Co-Founder and CEO
Charis has more than 16 years of banking and financial experience in the Asian markets with an international bank. She specialises in structured and asset finance, corporate lending and relationship management. Her understanding of how companies deliver on objectives and her strong knowledge of financial management has been invaluable to her numerous clients. Her banking experience is complemented with work on a range of fund-raising projects for SMEs prior to founding Minterest.

She is well-versed in financial governance, anti-money laundering and compliance matters as she was a member of numerous risk and compliance committees in the bank. Charis is a fan of Korean dramas, enjoys online shopping and savours a tasty bowl of premium chirashi don.
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Ronnie Chia
Ronnie Chia
Co-Founder and COO
Ronnie has 26 years' experience specialising in corporate and structured finance at international banks, and finance and taxation matters at a conglomerate and an accounting firm. His experience on “both sides” puts him in a unique position to understand both borrower and investor objectives. A deep understanding of, and broad experience in, financing requirements allows Ronnie to analyse and deliver on the decision making process through a balanced risk-reward approach.

He started and led numerous global businesses at an international bank where he was responsible for business performance and managing loan standards and portfolios. Ronnie enjoys British television dramas, takes long walks and is partial to a plate of tasty fried rice.
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Wei Choong Loo
Wei Choong Loo
Co-Founder
Wei has 26 years of professional experience in top tier international accounting firms and investment banks. His main areas of focus are in origination, structuring and execution of debt-related transactions. He is a specialist in loan syndications, corporate debt advisory, project finance and leveraged buy-out portfolio management, structured trade export finance, with a strong track record in distressed debt workouts and management. His deep understanding of cash flow enables him to structure solutions that deliver on objectives of borrowers and minimise risk for investors.

He speaks several Asian languages and dialects which is invaluable in today’s global economy. Wei enjoys his classic cars, riding bicycles and cooking for friends and family.
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Diane Chua
Diane Chua
Diane has over 26 years in the banking industry where she worked in international banks. Her vast experience includes credit analysis and senior roles in loan syndications, structured finance, aviation finance and leasing. Her roles required an intimate understanding of clients’ requirements, financial management and what investors look for in a financing transaction.

With her experience, Diane is able to deliver quality structuring and implementation of loans while maintaining a laser-like focus on minimising risk for investors. She loves outdoor sports, indoor shopping and any local food that is fried and oily.
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Yvonne Ooi
Yvonne Ooi
Yvonne has over 16 years of investment banking experience with an international bank. She started out in Treasury managing interest rates and liquidity risks of the bank’s balance sheet. With this much sought after expertise, Yvonne furthered her career in structured finance originating and implementing complex financing deals as well as doing shipping financing.

Yvonne brings with her sophisticated structuring and execution capabilities with a strong balance of interest rate and liquidity risk management. She loves outdoor sports and travelling.
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Stephanie Luo
Stephanie Luo
Stephanie is an English qualified solicitor with over 16 years’ experience in corporate and principal finance. She previously worked with top tier law firms and international banks in London and Hong Kong. While working as in-house legal counsel, her main coverage included corporate and structured finance, project finance, M&A, leveraged finance and distressed assets management. Her broad exposure has elevated her acute sense of commerciality and enables her to advise on solutions, achieving a win-win solution for all parties involved.

Stephanie practices yoga and meditation, loves outdoor activities and is a chronic scuba diving junkie. She particularly loves her greasy spoon kind of food after diving.
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Testimonials

“Minterest is truly effective in understanding our business needs and tailored a financing solution that met our requirements. Their speed and quality of service was prompt and excellent. And most importantly, this innovative source of liquidity is competitive and reliable."
“The way risks and issues are presented in the Loan Request Fact Sheet makes it easy for someone like me who’s not financially-trained to understand and determine if a loan is suitable for me to invest in. That’s why I have only invested through Minterest although there are many others.”

Minterest is regulated by the Monetary Authority of Singapore and holds a Capital Markets Services licence to deal with securities.

Investors’ monies are separately controlled by a MAS regulated trust company.