KILDE is a trusted and regulated investment platform designed to help individuals grow their wealth safely and strategically. We help individuals, financial professionals, businesses, and institutions in connecting them to high-quality private credit deals that provide reliable monthly income, often yielding returns significantly higher than traditional bank offerings.
Our platform is user-friendly, and our expert advisors are always available to provide guidance and support. Whether you're new to private credit or a seasoned investor, we ensure a straightforward and transparent experience.
At KILDE, we are committed to making smart, accessible, and rewarding investments available to all.
Investors can view live deals directly on the platform and access each one to proceed with their investment. Upon investment, they will be issued debt securities (debentures).
KILDE oversees the entire investment process, including deal arrangement, collection of interest payments from borrowers, distribution of interest to investors, providing regular updates, managing investor withdrawals, and handling the finalization of investments upon maturity.
KILDE acts as the sole intermediary between investors and the institutions it funds, reducing costs compared to traditional models that involve multiple intermediaries, each charging fees. Our end-to-end platform streamlines operations, allowing us to pass on more of the interest earned directly to investors.
We use advanced AI tools to assess the risk of payment defaults, approving only about 9% of potential borrowers who meet our strict criteria. In the unlikely event of a default, KILDE can enforce the collateral securing the deal, typically by managing or selling the institution’s loan portfolio, reducing risks for investors. To date, all interest and principal from KILDE-funded institutions have been paid as expected, demonstrating our strong risk management approach.
KILDE also offers additional benefits:
- It democratizes access to investments that were previously unavailable to private investors, broadening investment opportunities for a wider audience.
- The institutions we fund often provide financial support to underserved individuals, helping improve economic opportunities for them and their families.
Yes, KILDE PTE LTD is incorporated in Singapore under registration no. 201929587K and holds a Capital Markets Services Licence (CMS101016) ↗ issued by the Monetary Authority of Singapore to deal in capital markets products under the Securities and Futures Act (Cap. 289). KILDE is also an Exempt Financial Adviser under the Financial Advisory Act.
In the unlikely event that KILDE decides to cease operations, we will stop accepting new investments and cancel the issuance of new debentures. The platform will continue to operate until all investments have matured and all investors have received their due payments.
Kilde is able to onboard Accredited Investors, businesses and financial institutions as outlined by the Singapore's Securities and Futures Act (SFA) and its associated regulations.
1. Individual/Accredited Investors
Individual/Accredited Investors are individuals who meet specific wealth or income criteria. They are considered sophisticated investors subject to fewer regulatory protections than retail investors.
An individual qualifies as an Accredited Investor if they meet at least one of the following conditions:
- Income: earned income of at least SGD 300,000 in the past 12 months
- Net Personal Assets: at least SGD 2 million, including primary residence (capped at SGD 1 million)
- Net Financial Assets: at least SGD 1 million in cash, deposits, investment products, or other acceptable financial instruments
To be treated as an Accredited Investor, an individual must opt-in to be treated as such.
2. Corporate/Accredited Investor
Corporate/Accredited Investors are businesses which meet specific wealth or income criteria. They are considered sophisticated investors subject to fewer regulatory protections than retail investors.
A business qualifies as a Corporate/Accredited Investor if it meets either of the following conditions:
- Net Assets: at least SGD 10 million in total net assets
- Net Financial Assets: at least SGD 1 million in cash, deposits, or investment securities
Unlike individual investors, Corporate/Accredited Investors do not need to opt-in to being treated as an Accredited Investor.
3. Institutional Investors
Institutional investors are typically large financial institutions or entities that meet specific legal criteria. They are granted the broadest access to financial markets with minimal regulatory protection.
Institutional Investors are:
- Banks, finance companies, and insurers licensed under Singapore laws
- Capital market services licence holders, such as fund managers and brokerages
- Investment companies and pension funds
- Sovereign wealth funds and government agencies
- Entities fully owned by an institutional investor
Institutional Investors do not need to opt in to be treated as such: they are automatically classified based on their nature.
The KILDE platform guides each investor through the onboarding process according to their classification.
Creating an account with us is simple. Click "Create Account" button on our website or click "Join" in the navigation pane on top of the page, and fill out your information in the registration form.
Once this is done, you will get an email with a verification link to verify your email address. You then will be able to log in to your Kilde account and complete the required steps to activate your account and start investing.
Please keep in mind, that you must be an accredited or institutional investor, as classified by the Monetary Authority of Singapore, to be able to invest with us. Once registered, you will be asked to fill out the questionnaire to check that you qualify as accredited investor. You will also be asked to provide specific documents to confirm your status.
For institutional investors, our investor relations team member will be getting in touch with you to discuss the corporate documents that shall be provided.
In case you are an alternative lender, a due diligence process is performed by KILDE’s team to determine if your company matches the minimum requirements to join the platform. Please, get in touch with our sales team ([email protected]).
To create an account with Kilde and begin investing, you need to provide the following types of documents:
The Onboarding section of the KILDE platform guides you on which documents are required for each case, and our team is always ready to support you for a smooth onboarding experience.