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

Ng Beng Tiong


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.

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.

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.

Thomas Kong

Non - Executive Director

Thomas is Deputy Chairman of APM Group, a wholly-owned subsidiary of ARA Group. He oversees the overall property management and performance of APM Group’s operations in Malaysia and China. Mr Kong is also responsible for ARA’s digital initiatives and capability development with oversight of the seven Innovation Nodes under the ARA Digital Transformation Roadmap, as well as Quantum Interactive, a subsidiary of APM Group.

Prior to joining APM Group, Mr Kong was with the CapitaLand Group for over four years. He held positions in investments, business development and asset management, with the last position as Vice President at TCC Capital Land, a joint venture between CapitaLand and T.C.C. Limited, a Thai conglomerate group. Mr Kong began his career with the Wing Tai Group, a listed real estate developer based in Singapore in 1996.

Mr Kong holds a Bachelor of Business (Financial Analysis) from Nanyang Technological University, Singapore. He is also a CFA charterholder.

Li Zhong Hui

Non - Executive Director

Zhong Hui is currently the Deputy Director of Fintech at APM, the property management arm of ARA Asset Management Limited. He has more than 12 years of experience in the real estate industry.

Prior to joining the ARA Group, he was at Far East Organization where he managed the due diligence process for land acquisitions for the company. He also headed the business development and venue consultancy arm at Suntec Singapore, where he led their digital roadmap implementation. Zhong Hui began his career as a Management Trainee at Singapore Tourism Board.

Zhong Hui has a Bachelor’s Degree in Accountancy (First Class Honours) and an MBA from Nanyang Technological University, Singapore.

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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