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, one tap for customers to reach you
How Many Hours Are You Worth?
A banker's true story about where your hours really go, and how to buy them back. Plus my Mandarin podcast on money and enjoying a simple, boring life.
- Pre-order S$22.90, ships March 2027
- Read the first third free
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.
Latest podcast
最新播客My Mandarin podcast on money, work, and enjoying a simple, boring life.
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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