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Digital Loan Marketplace

Cashguru is a digital loan marketplace designed to simplify borrowing by connecting users directly with licensed money lenders in Singapore. The platform enables borrowers to compare multiple loan offers, communicate with lenders, and finalize deals securely — all in one place. Its mission is to make personal financing faster, transparent, and more accessible for everyone.

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Faster Loan Processing

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Increase in Borrower–Lender Match Rate

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Reduction in Operational Overhead

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Higher Borrower Engagement

Quick Project Snapshot

Client Location

Singapore

Industry

FinTech

Business Model

B2C

Methodology

Agile

Client Overview

The client envisioned an innovative loan comparison platform where users can instantly view and compare offers from multiple lenders. The goal was to eliminate the tedious process of visiting individual banks or agencies. By integrating with Singapore’s MyInfo service, the platform securely retrieves verified data, speeding up the loan approval process while maintaining complete privacy and compliance.

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Key Features
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Quick registration using basic details or MyInfo verification.

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Auto-fetched personal data for Singaporean users, manual entry for others.

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Borrower dashboard displaying loan status and offer updates.

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Borrowers submit loan requests with the amount, income, and duration.

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Multiple lenders receive instant notifications and send offers.

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Borrowers compare offers side by side and choose the best deal.

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Lenders sign up, get verified by admin, and manage applications.

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Define eligibility rules for local and foreign borrowers.

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Track credit purchases, offers sent, and active loan applications.

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Real-time chat between borrowers and lenders for clarifications.

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Borrowers can accept or decline offers instantly.

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All communication is encrypted to ensure data protection.

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Monitor total users, lenders, applications, and disbursed loans.

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Manage lenders, borrowers, blogs, and platform content.

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Oversee revenue, credit pricing, and system configurations.

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Years of Business Experience

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Websites Delivered

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Mobile Apps Delivered

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Repeat Customer

Project Goals

Project Goals Image
Simplify Borrowing

Provide users an easy way to compare and select the best personal loan offers.

Empower Lenders

Create a lead-driven ecosystem for licensed lenders to connect with verified borrowers.

Ensure Data Security

Implement MyInfo integration to handle personal data securely.

Automate Loan Processes

Streamline approvals, tracking, and reporting for all stakeholders.

Challenges & Solutions

01
Complex Borrowing and Lending Logic
Challenge

Defining clear workflows for borrower requests, lender offers, and approvals was complex due to multiple variables like loan amount, tenure, and eligibility.

Complex Borrowing and Lending Logic
Solution

Conducted in-depth R&D sessions with real financial experts to map real-world logic into digital flows. Designed a robust database and modular backend to automate loan cycles accurately and efficiently.

02
Secure MyInfo Integration
Challenge

Integrating MyInfo, Singapore’s government data service, required handling sensitive personal data with strict compliance. Any breach could risk trust and legality.

Secure MyInfo Integration
Solution

Established a secure, encrypted connection following government protocols and validation processes. Implemented a controlled API workflow, ensuring data privacy while enabling instant user verification.

03
Offer Matching & Real-Time Updates
Challenge

Synchronizing offers between multiple lenders and borrowers in real time required advanced event handling.

Offer Matching & Real-Time Updates
Solution

Used asynchronous server-side notifications and live refresh functions to ensure instant offer updates, keeping users informed without delays.

Tech Stack Used

MySQL
MySQL
MyInfo
MyInfo
Strip
Strip

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