Fingular, a global fintech holding headquartered in Singapore, has closed its first external debt financing round, raising SGD 10 million credit line through the Kilde peer-to-peer investment platform. The financing marks an important milestone in the company’s growth strategy and will support further scaling in Malaysia.

The deal was structured via Kilde, a licensed platform connecting family offices, funds, and accredited investors to private credit opportunities across Europe and Asia. Kilde specialises in senior-secured lending to consumer and SME lending platforms and offers investors double-digit returns.

Maxim Chernushchenko, CEO of Fingular, commented: “This financing strengthens our balance sheet and provides additional flexibility to execute our regional growth strategy. It allows us to scale proven products in priority markets, particularly Malaysia, where we see strong demand and clear unit economics, while continuing to invest in technology and operational capacity.”

Aalto Capital acted as exclusive debt and financial advisor to Fingular on the transaction, providing end-to-end support.

“We are pleased to have advised Fingular on the launch of its multi-drawdown debt facility and look forward to continuing our collaboration. Southeast Asia represents a compelling growth market for financial services, with strong fundamentals and long-term potential,” said Manfred Steinbeisser, Managing Partner, Aalto Capital Group & Head of Debt and Capital Markets Advisory.

In Malaysia, Fingular has demonstrated strong traction. Its consumer financing brand Tambadana has surpassed USD 150 million in total consumer financing issued, processing approximately 600,000 individual cases since launch, reflecting strong demand for digital financial solutions.This represents Fingular’s first institutional financing. The company is pursuing additional investment opportunities and is currently holding discussions with a number of interested funds.