For investors who have already made it
Wealth you've built.
Income you can count on.
Kilde turns the capital you've spent a lifetime accumulating into a secured income — paid into your account every month, while your principal stays whole.
Regulated by the Monetary Authority of Singapore (CMS 101016). Open to accredited and institutional investors only. Capital at risk.
The share of investor capital permanently lost after recoveries. 0% means no principal losses.
Total amount investors have committed to private credit opportunities on Kilde since launch.
We do only one thing, and we do it well
Most platforms offer you the world. Stocks. Bonds. ETFs. REITs. Crypto. Maybe a little hype.
At Kilde, we specialise in secured private credit and that’s all we do. We don't promise anything else, we don't sell anything else, and we don't pretend to know anything else. The best investments don't need hype. Just results.
Doing one thing for five years, with one credit team, inside one regulated entity, is how the track record came to be what it is.
Different Chapter
Built for the people who have arrived
Most platforms talk to people still climbing. Kilde is built for the people who have already done the hard work of accumulation — and now want their capital to behave differently.
Cash in your account
What income looks like at different scales
Net of Kilde's flat 0.5% platform fee. Modelled at the conservative 12.0% net rate (trailing 12-month net return is 12.39%).
S$100,000 invested
~ S$1,000
Net into your account, every month
≈ S$12,000 / year
S$1,000,000 invested
~ S$10,000
Net into your account, every month
≈ S$120,000 / year — covers the lifestyle of most accredited investors in Singapore
S$3,000,000 invested
~ S$30,000
Net into your account, every month
≈ S$360,000 / year — replaces a senior executive salary, hands-free
Three steps to your account with Kilde
Kilde is a curated platform of carefully selected private credit deals. Our credit team sources, vets, and structures every opportunity. You choose which ones to fund and how much to allocate.
If it sounds too good to be true
Why does private credit pay this much, and where is the risk?
It's a fair question. A 12% net yield in a world of 4% bonds and 3% deposits should make any serious investor pause. Here is the unvarnished answer.
The short version
Private credit yields more than public credit because (a) the underlying borrowers are riskier than blue-chip corporates, (b) the asset is illiquid relative to a listed bond, and (c) most retail investors can't access this market at all.
Kilde's job is to make sure you are paid properly for those three premia, that the structure is senior and secured, and that nothing is hidden. The 0.0% loss record since 2021 reflects how the structure has performed so far — not a guarantee that it always will.
If anyone tells you yield this high comes with no risk, walk away. We won't.
Where the yield actually comes from
You are funding non-bank lenders in Asia and Europe — companies that lend to consumers and SMEs that traditional banks underserve. These borrowers pay 25–40% interest on their loans. After the lender's costs, capital, and risk buffer, what's left is a senior-secured 10–15% coupon to you.
Yield is real. So is the risk premium.
The risks that actually matter
Three things can go wrong: (1) the borrowing lender's loan portfolio deteriorates faster than its capital absorbs; (2) macro events (FX, regulation) hit a country we lend into; (3) you can't access your capital exactly when you want it because the term hasn't matured.
These are real. They are not eliminated.
How Kilde structures around them
Every investment is senior-secured against ~1.6× collateral in diversified loan receivables, with conservative advance rates, covenants, and quarterly monitoring. You sit ahead of every other creditor. Since launch in 2021, after recoveries, principal losses to investors are 0.0%.
Track record, not promise.
What we do not promise
We do not promise government-bond-level safety. We do not promise daily liquidity. We do not promise 12% will hold every year forever. We promise transparent deals, real collateral, regulated custody, and the same answers to the hard questions we'd give a relative.
Capital is at risk. Read every memo.
How Kilde fits in your portfolio
A 10% sleeve, not the whole portfolio
Kilde is designed to sit alongside your existing equities and public fixed income — not replace them. A common allocation for HNWIs in the income chapter looks like this.
Indicative income-stage allocation
Public Equity · Public Fixed Income · PrivateCredit
Public Equity
60%
Long-term real growth and inflation protection
Public Fixed Income
30%
Liquidity, reserve, recession ballast
Private Credit (Kilde)
10%
Predictable monthly cash flow, low correlation to public markets
Worked example: On a S$10M liquid portfolio, a 10% sleeve in Kilde is S$1M. At our trailing 12-month net return, that sleeve generates roughly S$10,000/month of income, while the other 90% of the portfolio continues compounding in equities and bonds untouched.
Why the 10% sleeve is the income engine of the portfolio?
Public equity is built for long-term growth, not for paying your bills next month. Public fixed income gives you stability and liquidity, but at current yields, struggles to keep up with the cost of life in Singapore.
Adding a 10% sleeve of senior-secured private credit gives the portfolio a third leg: an asset uncorrelated with public markets that produces predictable, contractual cash flow at a yield that meaningfully covers a household's monthly outgoings.
Sized at 10%, even a worst-case loss in the private credit sleeve is recoverable from the rest of the portfolio. Sized at 100%, it is not. We tell every prospective investor the same thing: diversify around us, don't replace your portfolio with us.
How Kilde compares to other income products in Singapore
Most income products in Singapore quietly fail one of three tests: yield doesn't beat inflation, payouts aren't predictable, or your principal moves around with the market. All yields shown are typical for 2025; individual instruments will vary.
I sold my business in 2022. The last thing I wanted was to put it all back into the market and watch the screen every day. Kilde gives me a real cheque every month, in writing, secured. That's it. That's the whole thing I needed.
Honest answers
Often, yes. Most of our individual investors are post-accumulation: business sale, executive exit, or inherited wealth. The mandate isn't to compound aggressively — it's to convert a portion of capital into a steady, predictable income while keeping the principal whole. Senior-secured private credit is one of the few asset classes built specifically for that job. We'd still recommend it sits as a sleeve inside a diversified portfolio, not as the entire portfolio.
Neither. Kilde is a curated platform of pre-selected private credit deals. Our credit team sources, vets, and structures each opportunity, but you decide deal by deal which ones to invest in and how much to allocate. There is no commingled fund and no discretionary mandate over your portfolio. You are the investor of record on each deal.
A flat 0.5% per year platform fee on the invested amount. No performance fee, no entry fee, no exit fee, no hidden product spread. The 12.39% trailing 12-month return shown across the site is already net of this fee — what you see in the calculator is what reaches your account.
Tickets start at SGD 100 per individual deal on the platform, but for income to be meaningful we typically see HNWI investors deploy between SGD 100,000 and SGD 5M into the strategy. At S$100,000, you're looking at roughly S$1,000 a month of net income; at S$1M, around S$10,000. Our advisors can help you size an appropriate allocation against the rest of your portfolio.
Every investment is senior-secured with collateral worth approximately 1.6× the loan, typically diversified consumer or SME loan receivables. You sit first in line for repayment, ahead of every other creditor. Since launch in 2021, after recoveries, Kilde has had 0.0% principal losses to investors. That is a track record, not a guarantee — capital remains at risk.
Investment terms run 3–36 months. Most deals include scheduled early-redemption windows two to four times a year, allowing you to step out at full face value without penalty if your circumstances change. This is not the same as daily liquidity — if you need money on demand, an instant-access account is the right product, not us.
Kilde holds a Capital Markets Services licence (CMS 101016) issued by the Monetary Authority of Singapore and is an exempted financial adviser. Client funds are held in segregated trust accounts with an independent MAS-licensed trustee — not on Kilde's own balance sheet. Were Kilde itself to fail, your assets would not be part of our estate.
Same underlying investments, different chassis. The family office offering is built for institutional reporting, larger allocations, and a dedicated relationship manager. This page is for individuals and couples who want the same product without the institutional overhead.
Have a 30-minute conversation with someone who actually does this for a living
No registration walls, no robo-flow. Speak to a member of our private wealth team about whether Kilde fits the income chapter of your portfolio. Or open an account directly if you'd prefer.