Minterest Group

The Minterest Group is a financial services solutions provider to borrowers and investors. It is founded on the belief that everyone is entitled access to financial and investment solutions that meet their individual requirements.

We are here to serve rather than rule.

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 an online financial solutions provider, Minterest intends to use a broad spectrum of innovative technologies and our team’s financial expertise to overcome existing real world financial shortcomings.

Board of Directors

Lim Cheng Teck
Lim Cheng Teck
A banking veteran, Cheng Teck was the Vice-Chairman of ASEAN, Standard Chartered Bank before retiring in May 2017. He has more than 30 years of international banking experience and has held various roles within Standard Chartered, including Regional Chief Executive of ASEAN, Chief Executive of Singapore, Executive Vice Chairman and Chief Executive of Standard Chartered Bank (China) Limited. Cheng Teck currently serves on the advisory board of Sim Kee Boon Institute for Financial Economics (Singapore Management University), on the board of Special Needs Trust Company Limited (SNTC) and is presently Chairman of Bright Vision Hospital. He has an MBA from Brunel University London, and a BA in Economics from the National University of Singapore.
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Charis Liau
Charis Liau
Group CEO
Charis has more than 17 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
Ronnie has 27 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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Our Businesses

The Minterest Group aims to offer investment and borrowing platforms that deliver fair outcomes for all of our investors and borrowers. Achieving an equilibrium between value creation for all stakeholders and enhancing our role as a responsible corporate citizen drives our business policies and processes.

Financial inclusion for everyone, whether you are an investor or borrower, is at the very heart of everything we do.


EMPOWERING INVESTORS AND BORROWERS Corporate and invoice financing at low rates

Connecting corporate borrowers with investors to meet each other's financing and investment objectives. Raise capital efficiently to "turbo-charge" your business.
Invest in quality loans to enhance your investment portfolio.


Personalised & low interest rates.

How dependable are you? Your education and personality counts - they can help you get better rates. Take our psychometric test to find out your unique, personalised interest rate today.

Interest rates from as low as 0.55% per month.