Make an Impact on Lives

Make an Impact on Lives
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Earn 10-15% Supporting Financial Inclusion

Support micro-lending and SME earning strong returns and leave a positive impact simultaneously.

The Problem

Impact investing is often used as an excuse for underwhelming investment returns.

  • Green bonds often pay under 4%
  • Impact venture funds lock money for 7–10 years
  • True results are hard to verify

Why the Usual Choices Fail

Impact investing has diverged into entirely avoiding certain sectors of the economy or filling up large spreadsheets with both real and imagined positive impacts. Bringing needed funds to underserved SMEs and consumers brings real, tangible benefits to both the investor and society.

How Kilde Helps

What We Offer Why It Matters
Fixed-Rate Returns Earn 10–15% a year.
The investment is first-in-line to be repaid and are backed by collateral worth more than the loan.
Straightforward Payouts Interest lands in your Kilde cash account each month or quarter. Withdraw or reinvest—your choice.
Singapore Regulation Kilde is a regulated firm by the Monetary Authority of Singapore CMS license 101016.
Your money is held by an independent, MAS-licensed trustee.
Easy start of investing Online sign-up takes under 10 minutes for Accredited Investors.

Key Facts

  • Term: 3–36 months
  • Interest: 10–15% simple interest paid out as frequently as monthly
  • Early redemption: 2-4 times a year
  • Investment: Senior secured credit to Non-Bank Financial Institutions
  • Security: Diversified consumer and SME loan pools

3-Step Plan

  1. Open Your Account – digital sign-up with your phone or computer
  2. Pick Your Investment – choose terms so repayments arrive when you need them.
  3. Use Your Interest – withdraw or roll into the next investment.

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Proof It Works

Since 2021, Kilde has consistently delivered above 10% yearly returns to our investors, deploying more than $108,000,000 of capital. 

Monthly Gross Returns

Year Annual Return Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2021 0.6% 0.4% 0.7% 0.8% 0.5% 0.6%
2022 11.0% 0.9% 0.9% 0.9% 0.9% 0.7% 1.0% 0.8% 1.0% 0.7% 0.9% 0.7% 1.2%
2023 11.5% 0.9% 1.0% 1.0% 0.9% 0.9% 0.9% 0.9% 0.9% 0.9% 0.8% 0.8% 1.0%
2024 11.9% 0.8% 1.0% 1.0% 0.9% 1.0% 0.9% 1.0% 1.0% 0.9% 0.9% 1.0% 0.9%
2025 12.6%* 1.1% 1.1% 0.9% 1.1% 1.1%

* The 2025 figure is as of May 2025, compounded over the past 12 months.

Conclusion

Investing with Kilde earns solid returns and moves the needle on financial inclusion.

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The views expressed in this blog post are solely my personal opinions and do not constitute professional financial advice. I am simply sharing my opinions with no guarantee of accuracy or completeness. No reader should make decisions based solely on the contents of this blog post. Readers should consult their own financial advisor before making any investment decisions. Neither the author of this blog post, Kilde, nor its employees will be held liable for any financial losses or damages that may result from the use of the information contained herein. Investing contains risks, including total loss of capital. Past performance does not guarantee future returns. Please conduct your own research before investing.

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Oleg Kryukovskiy
Co-Founder of KILDE
Radek Jezbera
Founder & co-CEO of KILDE, a regulated platform for alternative investments.
Aleksandra Yurchenko
Aleksandra is managing investor relations at KILDE

FAQ

What exactly is private credit, and why haven’t I heard of it before?

Private credit is debt financing provided directly to companies or specialist lenders instead of through public bond markets. Because it is negotiated privately, it can offer higher fixed rates (10 – 15% p.a. in Kilde’s deals) and stronger investor protections such as senior-secured positions and collateral coverage.

How does Kilde generate returns that beat inflation?

We finance well-capitalised Non-Bank Financial Institutions (NBFIs) that issue diversified pools of consumer, SME, or micro-loans. These short-duration, high-yield assets have produced double-digit coupons since 2021, outpacing inflation and traditional bonds without stock-market swings.

How often will I receive interest payments?

You choose monthly or quarterly payouts of the returns. Cash interest is credited to your Kilde account automatically; you can withdraw to your bank or reinvest in the next deal with a click.

What is the minimum investment and who can participate?

Our offers are open to Accredited Investors under Singapore regulations. Ticket sizes start from SGD 100 (or the local currency equivalent) per deal.

How long is my money locked up? Can I exit early?

Terms range from 3 to 36 months. Most debentures include scheduled early-redemption windows two to four times a year, giving you optional liquidity.

What security backs my investment?

Investors receive senior-secured notes. Collateral typically includes diversified loan receivables pledged to the investors with 1.6 times cash flow over the invested principal.

Is Kilde regulated?

Yes. Kilde holds a Capital Markets Services licence (CMS 101016) from the Monetary Authority of Singapore (MAS) for dealing in securities, units in collective investment schemes and is an exempted financial adviser. Client funds are held in segregated trust accounts.

What fees will I pay?

There is 0.5% per year fee on the invested amount.

What risks should I be aware of?

The main risks are borrower default and macro shocks that affect loan portfolios. We mitigate these through (a) senior-secured structure, (b) conservative advance rates, (c) rigorous borrower due diligence, and (d) continuous monitoring with early-warning covenants.

How do I track my performance?

Your dashboard shows live positions, following payout dates, and cumulative returns. Monthly statements are downloadable.

Can these investments help diversify my 60/40 portfolio?

Yes. Historical data show private credit’s correlation to global equities is below 0.3, which can cushion drawdowns while still delivering equity-like yields.

How does Kilde create social impact?

Investors enable financial inclusion by channelling capital to NBFIs that fund micro-entrepreneurs and under-banked SMEs while earning market-beating returns. Impact metrics—such as jobs supported and female borrowers reached—are reported each quarter.

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