What does Build The Dream do?

Build The Dream acts as a financing consultancy, connecting individuals and businesses with suitable financing solutions through our network of licensed financial institutions and funding partners. We assess your financial profile, recommend suitable options, and guide you throughout the application process.

Will applying for a loan affect my CBS score?

Every loan application submitted to a financial institution creates a credit enquiry on your Credit Bureau Singapore (CBS) report. Multiple enquiries within a short period may negatively impact your credit score.

Before submitting any application, we carefully assess your financial profile and recommend only suitable financing options to minimise unnecessary enquiries.

I’ve been rejected by several banks. Can Build The Dream still help?

Yes. Different financial institutions have different lending criteria.

Our team reviews your financial position and matches you with lenders that best suit your profile. Where appropriate, we also explore alternative financing solutions that may not have been considered previously.

I’ve worked with other brokers before but wasn’t satisfied. What makes Build The Dream different?

We believe every financing application should begin with a proper financial assessment—not simply submitting applications to multiple lenders.

Our consultants review factors such as:

• Credit Bureau Singapore (CBS) profile

• Debt servicing position

• Balance-to-Income (BTI) assessment

• Income and financial commitments

• Business financials (where applicable)

Where improvements are needed, we’ll advise you on practical steps to strengthen your financing profile before proceeding.

My business doesn’t have an active company bank account. Can I still apply?

Possibly.

Certain financing products do not require active business bank statements. Eligibility will depend on factors such as your personal credit profile, income declaration, business activities and the lender’s assessment.

Our consultants can recommend suitable financing options based on your circumstances.

My business has low revenue or weak bank statements. Can you still assist?

Yes.

Depending on your business profile, there may be financing solutions with more flexible eligibility requirements. If business financing is not immediately suitable, we may also explore personal financing options where appropriate to address your short-term funding needs.

Do I need good credit to qualify?

Not necessarily.

While a healthy credit profile improves your financing options, different lenders have different assessment criteria. We will review your situation and recommend the most suitable financing solutions based on your current profile.

Is there any consultation fee?

Our initial consultation is completely free and comes with no obligation. We’ll assess your financial situation, discuss your goals, and recommend suitable financing options before you decide whether to proceed.

How long does the application process take?

The processing time varies depending on the lender and the type of financing. Some applications may receive an in-principle response within a few working days, while others may require additional documentation and assessment.

I couldn’t find my question here.

We’re here to help.

Contact our team through the enquiry form or send us a message, and one of our consultants will get back to you as soon as possible during our business hours.