Minterest Group - Minterest

Minterest Group

The Minterest Group is an online financial services solutions provider to borrowers and international investors. An award-winning business, the Minterest Group is backed by the ARA Group and Mr. John Lim (via JL Family Office) who are its majority shareholders.

In combining ARA’s strong track record in real estate with Minterest’s robust crowdfunding platform, we unlock institutional-grade real estate investment opportunities to our retail investors, along with the opportunity to invest in SME loans and invoice financing transactions.

Everyone can gain access to financial and investment solutions that meet their individual requirements.

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

John Lim


John has more than 30 years of experience in the real estate industry and has received many notable corporate awards.

He is currently the Group Chief Executive Officer and Executive Director of ARA Asset Management Limited. He is a Non-Executive Director of ARA Asset Management (Fortune) Limited, ARA Trust Management (Suntec) Limited, ARA Asset Management (Prosperity) Limited and Hui Xian Asset Management Limited.

John also holds numerous other positions including Chairman of Suntec Singapore International Convention & Exhibition Services Pte. Ltd as well as Chairman of the Asia Pacific Real Estate Association. John holds a Bachelor of Engineering (First Class Honours) in Mechanical Engineering, a Master of Science in Industrial Engineering, as well as a Diploma in Business Administration

Lim Cheng Teck

Vice Chairman

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 Nation al University of Singapore.

Andy Lim

Non - Executive Director

Andy is the Chief Executive Officer of JL Family Office where he is actively involved in the investment activities of the group and is responsible for the sourcing, structuring, negotiating and the execution of the group’s investments across multiple sectors around the globe.

He has more than 10 years of experience in the real estate sector and currently serves on the board of Straits Real Estate as a Non-Executive Director. Andy is also a passionate supporter of education and is an Executive Director of Lim Hoon Foundation, the philanthropic arm of JLFO.

Andy read law at the University of Liverpool and graduated with a Bachelor of Laws (Honours) and was admitted to the Singapore Bar on 14 July 2011.

Ng Beng Tiong

Non - Executive Director

Beng Tiong is currently the Assistant Group Chief Executive Officer (CEO) cum Group Chief Operating Officer (COO), and a member of the Group CEO Office.

Prior to joining the ARA Group, he was the Finance Director of Low Keng Huat (Singapore) Ltd, a property, construction and hotel group listed on the SGX-ST and a Director of Stone Forest M&A Pte. Ltd., a mergers and acquisitions advisory company. Beng Tiong began his career with DBS Bank Ltd in 1989, initially as a corporate banker and subsequently as an investment banker.

He holds a Master of Engineering (Software Engineering) (First Class Honours) from Imperial College, London and is a CFA charterholder as well as a member of the Singapore Institute of Directors.

Charis Liau

Executive Director & CEO

Charis has more than 18 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 holds a Fintech Certificate in Future Commerce from Massachusetts Institute of Technology, has a Bachelor’s Degree in Accountancy (First Class Honours) from Nanyang Technological University, Singapore and is a Chartered Financial Analyst (CFA) charter holder from the CFA Institute.

Ronnie Chia

Executive Director & COO

Ronnie has 28 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 graduated from the University of Canterbury, New Zealand with a Bachelors of Commerce Degree

Janice Koh

Executive Director & CCO

Janice has more than 15 years of experience in the banking and finance industry, specializing in management consultancy and corporate development.

Prior to joining Minterest, she was the Chief of Staff & head of corporate development at Noah Holdings, a leading wealth and asset management service provider. She has also had over 14 years of experience at McKinsey & Company, a global management consultant firm.

Janice holds a MBA in business administration from the National University of Singapore.


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.

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