How are our products safeguarded?

BigFundr offers investors multiple layers of safeguards, which, unless otherwise stated, typically include:

First Legal Charge on Real Estate

BigFundr provides funding for real estate projects, with all loans secured against property collateral.

We typically lend up to a maximum of 70% of the property’s value, known as the Loan-to-Value (LTV) ratio. This represents the total loan amount as a percentage of the property's market value (excluding GST and sales-related costs). Maintaining this threshold is intended to provide a buffer against potential declines in property value.

In the event of borrower default, the property may be sold to recover outstanding funds. As the holder of the first legal charge, BigFundr is positioned to have priority in repayment from the sale proceeds.

Personal and Corporate Guarantees

Borrowers provide personal and corporate guarantees as an additional layer of security. If there is any shortfall following the sale of the property, BigFundr may seek recourse against the borrower to recover the remaining loan amount.

Buy-Back Provision by Fund Management Companies

BigFundr works with some of the largest Fund Management Companies in each jurisdiction. These Fund Management Companies typically manage approximately S$1 billion to S$3 billion in loans under management (LUM).

At the commencement of each loan, BigFundr enters into an agreement with these fund managers for them to buy back the loan notes at a pre-agreed time.