15%
12.64%
3—36
0.0%

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Simple, secure private credit investing

For accredited investors
Monthly coupons
Quarterly redemptions
Learn more

Kilde holds a Capital Market Service License issued by the Monetary Authority of Singapore.
Kilde is exclusive for accredited, professional, and institutional investors.

Our focus

We focus on the one thing that works. Private Credit

Most platforms offer you the world. Stocks. Bonds. Real Estate. EFTs. Crypto. Maybe even some hype.

At Kilde, we specialise in secured private credit and that’s all we do. Why? Because the best investments don’t need hype; just results.

We do one thing exceptionally well: give you access to high-yield, secured private credit that used to be reserved for banks and funds.

All Time Funded
$
0
All Time Returns Paid
$
0
Assets Under Management
$
0
Average Net Return in Last 12 Months
12.64%
Losses
0.0%
Trust

Why is Kilde trusted by investors?

Join us

We serve investors from our home in Singapore

Kilde is trusted by credit funds, family offices, and high-net-worth individuals.

$100M
Assets
12,47%
Return
0.0%
Defaults

Our track record is spotless

More than $100M invested with 20+ financing partners, $12M paid yearly in coupons.

Everyone deserves great care

Investors have 24/7 access to secure investment platform and a human advisor just a phone call away.

How it works

Whether seeking portfolio diversification or passive income with regular cash returns, Kilde lets you invest in private credit with confidence.

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Where Do I Invest?

You invest in established financial lending businesses in Europe and Asia, sourced exclusively by Kilde’s credit team.

How secure is my investment?

Your investment has the highest priority of repayment amongst other creditors and investors. On top of that, the investment is secured by diverse collateral of cash receivables worth 1.6x more than the investment.

How does Kilde assess credit risk?

Kilde evaluates millions of loan records and financial data points to identify secure, high-quality credit deals backed by collateral with regular cash flow.

Thanks to the strict deal acceptance criteria, only the most robust opportunities make it to our platform.

What Returns Can I Expect?

Choose from a range of fixed-income investments, earning 10% to 15% per year.  The average return of a diversified portfolio is 12.6% per year.

How do I monitor my investment performance?

Real-time dashboards provide detailed data on your investments, coupons earned and expected and fees.

How long is the investment period?

The investment period is on average between 3 to 36 months. We provide early withdrawal options and monthly coupon payments.

Is there someone human I can talk to?

Our advisors provide personal service over email, phone, WhatsApp, and in-person meetings.

Performance

How does Kilde’s Private Credit compare to other types of investments?

Learn more about statistics
Investment
Return in 2024
Market Volatility
Risk Profile
Frequency of Payment
Kilde’s Private Credit
12.6%
Not affected
Secured by collateral (160% coverage)
Monthly
Singapore REITs (e.g. CapitaLand, Mapletree, GuocoLand)
~5–6%
Affected by the property market and interest rates
Unsecured, asset-backed
Quarterly or Semi-Annual
Singapore Savings Bonds (SSBs)
~3.0%
Not affected (capital protected)
Government-backed (virtually risk-free)
Monthly (step-up coupon)
SGX Blue-Chip Stocks (e.g. DBS, Singtel, UOB)
~20% (dividends + capital gain)
Affected by price fluctuations of the single stock
Unsecured (market risk)
Quarterly dividends
Robo-Advisors (e.g. Endowus, Syfe, StashAway)
~5–10% (varies by risk profile)
Affected by price fluctuations of the underlying ETFs
Unsecured, diversified portfolios
Monthly or Quarterly

Outperform traditional investments with Kilde

How does Kilde achieve high returns on private credit and low risk (0% defaults), too good to be true?

Kilde’s investment
Cash returns paid to your wallet/bank on a set schedule
Target yields designed to beat inflation, helping preserve purchasing power
No daily price swings — focus is on interest paid and principal at maturity
Early redemption options under clear terms
24/7 self-serve dashboard plus real people you can speak to or meet
Not Kilde’s investment
Paper returns (unrealised gains on a screen); payouts are uncertain or delayed
Often barely keep up with rising living costs, eroding real value
Value changes daily with markets, rates, and sentiment
Locked in by notice periods, gates, or penalties
Chatbots and ticket loops; hard to reach a decision-maker

Simple and without
hidden fees

0.5% yearly fee
regardless of investment size

Qualified investors only
Market beating returns
Onboarding in 3 minutes with SingPass

Featured opportunities

Find out about all offers by registering on our platform.
Join us

The Kilde Team:
Expertise You Can Trust

Learn more about our team
Our team comprises experienced professionals in private credit, risk management, and financial technology. We combine years of experience with data-driven insights to identify and vet top-tier investment opportunities for you.
Our proprietary tools assess borrowers’ creditworthiness, ensuring we make well-balanced decisions.
We continuously evaluate our investments, providing peace of mind.
Led by founders with decades of experience in credit risk, payments, and asset management.
Kilde in the Press

Why Kilde

Beat Inflation
Monthly Passive Income
Put Idle Cash to Work
Smoothen Portfolio Returns
Make an Impact on Lives
01 – Beat Inflation

Beat Inflation with Steady Returns

Inflation chips away at your bank savings every year. Kilde’s private credit solutions offer fixed returns of 10–15%, historically outperforming inflation without exposing you to stock market swings. It’s a smarter way to preserve — and grow — your purchasing power.

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10–15% Fixed Returns

Historically outperforming inflation and savings accounts.

Senior-Backed Investments

Priority repayment, secured by diversified assets.

Shield from Market Turmoil

Grow wealth without exposure to stock or bond swings.

02 – Monthly Passive Income

Turn Savings into Monthly Income

Your expenses don’t wait, so why should your income? Kilde turns investments into reliable monthly or quarterly payouts, helping you cover living costs or business needs while your principal keeps earning. Say goodbye to uncertain dividends or waiting for redemption windows.

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Reliable Cash Flow

Set monthly or quarterly payouts, matching your needs.

No Capital Erosion

Earnings without selling investments or assets.

Hands-Free Income

Money lands in your account — no action required.

03 – Put Idle Cash to Work

Earn More on Idle Cash

Corporate and family-office cash reserves often sit idle in low-yield accounts. With Kilde, you can deploy that capital into short- to mid-term private credit, locking in high returns with transparent timelines and the flexibility to match your liquidity planning.

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Boost Corporate Efficiency

Turn surplus reserves into productive capital.

Clear Liquidity Planning

Know exactly when your funds come back.

Simplified Cash Management

Skip complex banking products and reduce admin work.

04 – Smoothen Portfolio Returns

Stabilise Your Portfolio

Market downturns can shake even well-balanced portfolios. Kilde adds a layer of stability through private credit with low correlation to traditional markets, smoothing returns and reducing dependence on stock or bond performance — all while delivering solid income.

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Diversify Beyond Markets

Add an uncorrelated income source to your portfolio.

Steady in Tough Times

Proven performance during equity and bond downturns.

Flexible Investment Terms

3–36 months to match your investment strategy.

05 – Make an Impact on Lives

Invest with Purpose and Profit

Why choose between impact and returns? With Kilde, your investments help fund microloans and SME growth, supporting financial inclusion while earning you double-digit returns. It’s a powerful way to align your portfolio with your values — and see real outcomes.

Explore More

Drive Real-World Change

Support SMEs and micro-entrepreneurs in emerging markets.

Combine Profit and Purpose

Invest in financial inclusion without compromising on outcomes.

Transparent, Measurable Results

See where your capital is making a difference.

Compare Kilde

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Kilde vs Chocolate Finance: A Comprehensive Comparison for Income-Focused Investors
June 16, 2025
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Kilde vs Endowus: A Comprehensive Comparison for Income-Focused Investors
June 16, 2025
Reviews & comparisons
Kilde vs Syfe Income+: Comparing Two Paths to Monthly Passive Income
June 16, 2025
Reviews & comparisons
Kilde vs StashAway: A Detailed Comparison of Monthly Income Platforms
June 16, 2025

Get Started Today!

Take the first step towards securing your financial future with Kilde.

Sign Up Now
Create an account and explore exclusive private credit deals.
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Disclaimer: KILDE PTE LTD is incorporated in Singapore under the 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) and an Exempted Financial Advisor License under the Financial Adviser Act. The information on this website is intended for “institutional investors” and “accredited investors”, in accordance with the Securities and Futures Act (Cap. 289) of Singapore. Information provided on this website does not constitute an offer, invitation to invest, solicitation or advice on buying or selling financial instruments and other capital market products.