Invest - Minterest

Take charge of your
investment decisions today
and be empowered

Diversify your investment portfolio by investing in promising Singapore businesses. Access a wide variety of business opportunities at attractive interest rates.

Sign Up More About Minterest

At Minterest, you will find investments in quality businesses that have gone through our due diligence process. We prefer investments backed by identifiable cash flows even if that means a slightly lower interest rate for investors. Prompt repayment of loans is important.

Key benefits for investors

Attractive Interest Rates

Earn up to 18% p.a. on your investments. We use our proprietary Mintgrade scoring to review each deal prior to listing it.

Transparent & Low Fees

Minterest charges a low service fee of 15% on interest, factoring fee and other fees earned by investors.

Easy Diversification

With typical minimum investment size of as low as $50, you can easily diversify investments across multiple loans to minimise risk.

Short-term Investment

Investment tenors typically range from 3 to 12 months. Transact and monitor your investments online conveniently.


Additional level of security

Your funds are independently held by Vistra Trust (Singapore) Pte Limited. Vistra is a licensed trust company regulated by the Monetary Authority of Singapore.

Who can invest – our minimum requirements

Minterest brings a fresh perspective to
marketplace financing.

We offer customised solutions to help borrowers and investors achieve their financial goals.

We recognise that no two businesses are alike, which is why we take the time to rigorously analyse each business and offer bespoke solutions.

How it works in 4 steps


Sign Up As A Member

Submit documents online for verification checks. You can ONLY view active funding requests via your Member Platform Account once checks are completed.

Fund Your Account

Transfer funds via FAST or other online banking methods to Minterest's bank account controlled by Vistra. Notify us online via MyWallet tab in your dashboard. Once funds are sighted, your platform wallet will be updated accordingly.

Invest And Earn

View and select active offerings for investing and earn attractive rates. When an offer is made, this amount will be earmarked and released to the borrower once the offering is closed.

Enjoy your Returns

Monitor your portfolio and returns online in your dashboard and receive notifications when loans are repaid or invoices paid. Reinvest in new investments to multiply your portfolio.

How are investors' funds managed

Vistra Trust (Singapore) Pte Limited has been appointed by Minterest to hold investor funds.

Upon successful sign up, an investor can transfer funds into a dedicated bank account controlled by Vistra. Funds deposited into this account can be used for participation in deals that have gone through our due diligence process.

Minterest has no access to investors' uninvested funds. Our company's funds are not co-mingled with investors' money.

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

Investors’ monies are separately held by Vistra Trust (Singapore) Pte Limited, a MAS regulated trust company.