Licensed Moneylender · Licence No. 99/2026

Personal Loans
‍Backed by Property.

Need personal financing but rejected by banks? TBS Union provides property-backed personal loans with same-day assessment and transparent terms.

Call 6345 8801Send an Enquiry
MinLaw Licensed Moneylender
Subsidiary of Tembusu Financial Services
50+ Years Combined Experience
Luxury condominium
Same-Day Assessment
2,000+ Deals Funded
Property Backed
24-48hr Disbursement
Trusted Licensed Lender

Who We Are

A Licensed Moneylender You Can Trust

TBS Union Pte Ltd is a licensed moneylender regulated by the Ministry of Law (MinLaw) under the Moneylenders Act. We specialise in property-backed personal loans for individuals who need financing that looks beyond just a credit score.

We are a subsidiary of Tembusu Financial Services, a trusted private lender since 2018 that has successfully funded over 2,000 deals totalling more than $1 billion across property, business, and vehicle financing.

Been declined by a bank, or have a complex income structure? We assess your situation with a human touch, not just an algorithm.

Read Scam Advisory ↓
2,000+
Deals funded by Tembusu Group
$1B+
In loan transactions funded
50+
Years combined industry experience
24hr
Same-day assessment available

Our Product

Secured Personal Loan

Use your private property as collateral to access a personal loan with competitive rates and higher borrowing limits. Because your loan is secured against real property, we can offer better terms than a typical unsecured personal loan.

Property-Backed

Use your private residential or commercial property as collateral. Property backing means higher loan amounts at more competitive rates.

Same-Day Assessment

Submit your documents and receive an indicative assessment within the same business day. Funds disbursed within 24 hours of approval.

Transparent Terms

All rates, fees, and repayment terms are fully disclosed in your offer letter before you sign. No hidden charges. No surprises.

Direct Lender

You deal with us directly — no brokers, no middlemen, no markup fees. Our team guides you from application to disbursement.

Competitive Rates

Property collateral allows us to offer more competitive interest rates. Rates are quoted after assessment and disclosed in the offer letter.

Flexible Assessment

We assess your full financial picture — not just a credit score. Self-employed, variable income, or complex profiles are welcome.

Who Can Apply

Singapore Citizens and Permanent Residents with property ownership

Eligible foreigners residing in Singapore with property ownership

Private residential property (condominiums, landed houses)

Commercial property (offices, shophouses, retail units)

Salaried employees, self-employed individuals, and freelancers

Individuals with complex income structures or prior bank rejections

Why TBS Union

Not Your Typical Moneylender

We’re built differently. As part of the Tembusu Financial Services group, we bring institutional-level expertise to personal lending.

01

Property-Backed Means Better Terms

Most moneylenders focus on small unsecured loans. We specialise in secured lending — property collateral means we can offer higher amounts at more competitive rates than a typical moneylender.

02

Backed by Tembusu Financial Services

We’re part of a group that has funded over 2,000 deals and brings 50+ years of combined experience in property, business, and vehicle financing.

03

Human Assessment, Not Just an Algorithm

Every application is reviewed by experienced professionals who look at your full financial picture — not just a credit score. Self-employed, variable income, or complex profiles are assessed fairly.

04

Transparent and Responsible

All terms are disclosed upfront in your offer letter. No hidden fees, no broker charges, no surprises. We encourage borrowers to seek independent legal counsel before signing.

When to Consider

When a Secured Personal Loan Makes Sense

If you own property and need personal financing, a secured loan lets you access better terms by leveraging your asset.

Debt Consolidation

Combine multiple debts into one loan with potentially lower interest. Simplify your repayments and reduce overall cost.

Home Renovations

Fund renovations or property improvements without depleting your savings or tapping into long-term investments.

Bridging an Income Gap

Cover a short-term shortfall between jobs, during a career transition, or while waiting on business proceeds.

Time-Sensitive Needs

When you need financing faster than a bank can move — medical expenses, family obligations, or urgent personal matters.

Unlocking Property Equity

Your property holds value you can deploy. Access capital tied up in your asset without selling it.

How It Works

Three Simple Steps

From first call to funds in your account — here’s what to expect.

1

Online Assessment

Call us or submit an enquiry. Share your property address (for valuation), and how much you need.

2

Loan Structuring

Once your documents are submitted, we design a solution around your timeline, needs & objectives.

3

Approval & Disbursement

Get approval in hours, and funds disbursed within the week. No hidden charges.

Send an Enquiry
Scam Advisory

Protect Yourself from Fraudulent Websites

We have identified a website impersonating TBS Union. This site is not affiliated with us in any way.

Fraudulent websites
✕https://tbsunion-sg.com/
✕https://tbs-union.com/
✕https://www.tbs-financing.com/
Screenshot of fraudulent website
FAKE
Remember
  • Our only official website is tbsunion.com.sg
  • We do not send unsolicited SMS, WhatsApp messages, or cold calls

Always verify our licence on the MinLaw Registry before engaging with any moneylender. To report a possible fraud, you may file a police report.

Ready to Explore Your Options?

Speak to our team for a confidential, no-obligation assessment of your situation.

Call 6345 8801

Or send us an enquiry — we’ll get back to you within one business day.

Verify our licence on the MinLaw Registry →MinLaw FAQ for Borrowers →For business loans & property-backed business financing — visit tembusufs.com