SME and home loan consultation
I compare banks and financiers for you and prepare a clean application, using what I learned in business banking.
- SME working capital and term loans
- Home loans and refinancing
Singapore · Ex-banker · Loan broker
Twenty years of writing down how I spend, save and live.
二十年的日记：怎么花钱，怎么存钱，怎么好好生活。
I'm Gary. I spent my career inside banks, from retail to commercial banking. Now I help small businesses get funded and move online. And I write about living well on less.
How I can help
我能帮你什么A simple website for your business
A clean three-page site so customers can find you on Google: home, services and contact. Set up for you, with your own domain.
- Free for my loan clients
- Mobile-friendly, WhatsApp button included
The Frugalman book
One flowchart for every purchase: Do, Delay, Downgrade or Ditch. Plus my Mandarin podcast on money and enjoying a simple, boring life.
- Ebook with the printable flowchart
- New podcast episodes on the diary
Latest from the diary
最新日记Why I wait 30 days before buying anything
The Delay rule saved me more money than any budget app. Here is how it works in real life, with the receipts.
What I learned approving SME loans at the bank
The three things a credit officer looks for first, and why most small companies get rejected for the wrong reasons.
一个无聊但快乐的周末
Morning market, a free museum, home-cooked dinner. A full weekend that cost under twenty dollars.
Sample entries shown. Once live, your three newest posts appear here automatically.
My path
我的经历Engineer first, then banker, now my own boss. Each step taught me how money really moves for families and small businesses.
Still writing it all down.
- Ngee Ann PolytechnicDiploma in Civil & Environmental Engineering
- SembcorpAssistant engineer
- CitibankRetail banking
- Great EasternFinancial advisor
- UOBBusiness banking, Business Finance Manager
- TodayLoan broker, writer, and maker of handmade leather wallets at Glien Design
Letters · 订阅
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One short letter a week: frugal tips, money lessons from the bank, and new podcast episodes. Plus the free 4D buying checklist.