Access our Private Debt Investments
GEN is a private investment platform that facilitates loans to a diversified pool of Singapore local companies, while offering investors the opportunity to boost their income, diversify their portfolios, alongside Goldbell Financial Services.
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Strong and predictable returns of 5% – 12% p.a.
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Contribute to the growth of Singapore companies
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Private debt that most individual investors will unlikely have access to
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Secured loans backed by property, vehicle, inventory, invoices and other assets
GEN has a Capital Markets Services licence, CMS101303, issued and regulated by the Monetary Authority of Singapore.
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Why invest in Private Debt?
With limitations on SGD currency options for individual investors, bond funds and fixed deposits have, until now, been the main focus among fixed income asset classes.

GEN is here to offer you access to an alternative debt investment – asset-backed corporate loans with higher returns and shorter tenure.
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Diversification
A great alternative to equity investing. Invest in a debt asset class to spread your risks across your portfolio.
Predictable Returns
Enjoy steady returns that are higher than your savings account without worrying about the volatility of the stock market.
Liquidity
Deals on GEN are structured for a short-term period from 1 month to 2 years, allowing your funds to have greater flexibility.
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Why Co-invest with GBFS?
GEN members invest alongside Goldbell Financial Services (GBFS), a member of Goldbell Group, one of Singapore’s largest commercial vehicle and industrial equipment distribution and leasing company since 1980.

GBFS has a successful track record investing in private debt investments with a non-performing loan rate of 0.36% for financial year ended 31 March 2021 (cumulative: 0.63%).
Real Skin in the Game
GBFS as a partner to appraise, presently intends to retain 10-30% exposure in deals on GEN.
Secured Loans
Our deals are mostly backed by assets and other collateral, providing a safety net for everyone's principal investment.
Low default rate
99.37% of GBFS loans have been repaid in full as of financial year ended 31 March 2021, thanks to GBFS’s deal appraisal, monitoring and collection expertise.
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How does it work?
Company A
Singapore
Slide 1 of 3
  • Let’s say you invest:
    $10,000
    GBFS co-invests a minimum of 30%
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Let’s say you invest:
$10,000
GBFS co-invests a minimum of 30%.
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Let’s say you invest:
$10,000
GBFS co-invests a minimum of 30%.
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GEN deducts a service fee of 20% from the total interest earned and pays out the balance.
Month 1
$53
20%
GEN fees $13
Month 2
$53
20%
GEN fees $13
Month 3
$53
20%
GEN fees $13


Month 4
$53
20%
GEN fees $13
Month 5
$53
20%
GEN fees $13
Month 6
$55
20%
GEN fees $13
Net interest paid:
$320
At the end of the 6th month, the principal of $10,000 is returned together with the final interest payment of $55.
Principal Returned
$10,000
You would have gotten back a total of :
$320 (6.4% p.a.) in interest from this deal
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Collateralised investment opportunities with transparent fees.
GEN connects investors with diversified pool of Singapore local companies.

Leveraging GBFS’ experience, we put together mutually beneficial and professionally managed deals that allow both parties to achieve sustainable financial well-being.
Attractive returns of 5 - 12% p.a
GBFS as a partner to appraise, co-invest and have a skin in the game in investments on GEN’s platform.
No hidden fees. We get paid when you get paid. Our service fees are capped at 20% of interest earned.
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Investors' funds are held on trust by GEN for its customer(s) and are distinguished and maintained separately from any other account in which GEN deposits its own moneys.
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