We aim to provide Singaporean SMEs with access to working capital funded by accredited investors. With a firm belief in forging long-term partnerships in our clients, we emphasise client experience and transparency in every transaction. We focus on the quality, rather than quantity of the invoices we work with, to provide the most rewarding experience possible for everyone involved.

Tap into More than

77 Years of Combined Finance and Technology Experience.

Ginnie Chin – Co-Founder, Managing Director

Ginnie has more than 15 years of experience in Trade Finance. Previous roles include Vice President for Global Transaction Banking for ABN Amro, Vice President for Trade and Supply China Sales for HSBC, Director of Transaction Banking for Standard Chartered Bank, and pioneer management member of one of the largest P2P financing platforms in Singapore.

Tan Tingxi – Co-Founder, Head of Legal and Compliance

Tingxi has more than 10 years of experience in various industries including legal practice, finance and entrepreneurship. Prior to Culum, he practised corporate law at Drew & Napier and KhattarWong LLP. He has also worked at UBS AG, and co-founded San Francisco-based social media start-up, Spayce, Inc. Tingxi graduated from the University of Leicester with a degree in LLB Law.

Yap Tet Mun – Chief Risk Officer

Yap is responsible for the overall risk management of Culum Capital. He has more than 22 years of experience in credit risk, corporate recovery and relationship management at international banks. His previous roles at Standard Chartered Bank include Global Head of SME Collections and Head of Corporate Credit in the Philippines and Mekong. Yap earned his Bachelor of Science degree in Economics with honours from the University of London.

Chia Eng Soon – Chief Technology Officer

E.S. is the tech guru behind Culum’s IT infrastructure. He has more than 20 years of system development experience in the finance industry, as well as a double degree in IT and Software Technology from Deakin University, Australia.

Garrett Oh – Director of Sales

Garrett oversees business development at Culum Capital. He has more than 10 years of experience in sales and marketing. Prior to Culum, Garrett was a Managing Director of his own business consultancy firm, where he helped SMEs achieve optimal working capital funding. His previous roles also included being a distributor for another crowdfunding platform in Singapore; and being Head of Sales, Marketing and Business Development at Shenzhen Fu Sheng Machinery Co., Ltd.

Professionalism • Reliability • Integrity