At present, its three principal lending portfolios – pawnbroking, automotive and real-estate financing – are secured predominantly towards gold, automobiles and residential property respectively. “No one is aware of how a selected asset class will carry out over a sustained interval, so we handle that by diversifying our enterprise,” mentioned Mr Lim.
Pawnbroking however stays MoneyMax’s core enterprise and a key focus for development. As a lending enterprise, that development relies upon partly on its means to entry capital. Over the previous few years, it has diversified its funding past financial institution borrowing into digital business paper via funding platform ADDX and the general public bond market.
In 2026, it transferred to SGX Mainboard and accomplished a totally subscribed S$44.3 million placement of 53 million new shares, with collaborating institutional traders together with Fullerton Fund Administration, Lion World Buyers and Eastspring Investments (Singapore).
Reaching a broader investor base has additionally meant demystifying the enterprise. Round two years in the past, MoneyMax engaged an investor-relations adviser and commenced assembly extra often with traders and analysis analysts to assist them perceive how the enterprise operates, manages threat and constructions its steadiness sheet.
For Mr Lim, constructing a stronger enterprise and guaranteeing the market understands it go hand in hand. “Development comes from recognizing the fitting alternatives and having the self-discipline to execute on them,” he mentioned. “However creating worth and making that worth understood are two various things. Administration has to interact traders – not simply to clarify the place the enterprise is at the moment, however the place it’s going.”