About CM Advisers
CM Advisers (CMA) Pte. Ltd. is a 100% subsidiary of SESAMi (Holding) Pte Ltd. We have been a MAS regulated, CMS licensed operator since March 2017.
Investment Products
Secured Term Loans
Corporate loans backed security. The security in such deals are primarily real estate, but can also include other assets
Unsecured Term Loans
These securities come in the form of loans to creditworthy corporate borrowers
Purchase Order Financing
Purchase Order (PO) financing is generally for orders from MNCs to larger CMEs. Most PO financing deals are derived through Sesami's own supply chain procurement business
Investment Products
Returns
Tenure
Low Commission Fees
Our alternative credit instruments have interest rates which start from 7% and go as high as 20% per annum, with the average returns ranging around 9 – 12%
Typical tenor of most transactions are 12 months or less. Transactions that do not have security have short tenors of 3 months or less and are likely to involve purchase order financing
CM Advisers typically charges its users between 10 - 20% commission on interest rate, with the vast majority of the deals being done at 10%
Why Invest
Alternative Credit Products offer a diversification to an investment portfolio. There is less mark - to - market volatility. Even within the credit universe, there are lower correlation with high yield fixed income instruments. Given that there are pledged securities for most of the corporate loans in CM Advisers, higher recovery of principal is achievable in a default scenario. CM Advisers will almost always seek personal guarantees in the transactions and seek to enforce them in a default
User On Boarding
As CM Advisers is CMS licensed entity, each user must be an Accredited Investor. An Accredited Investor is defined by the MAS under the Securities and Future’s Act as:
Accredited Investor (Individual)
1. Net Personal Assets exceeding S$2 million (of its equivalent in a foreign current) OR
2. Financial Assets (Net of any related liabilities) exceed S$1 million in value (or its equivalent in a foreign currency) OR
3. Income in the preceding 12 months is not less than S$300,000 (or its equivalent in a foreign currency)
Accredited Investor (Corporation)
A corporation with net assets exceeding S$10 million in value (or its equivalent in a foreign currency) as determined by:
1. The most recent audited balance - sheet of the corporation OR
2. A balance - sheet of the corporation certified by the corporation as giving a true and fair view of the statement and affairs of the corporation
Credit Process
High Focus on the Credit Approval Process and Investor Transparency
Dataroom Function
CM Advisers also offers a full data room post signing of a Non-Disclosure Agreement, which provides investors with a suite of due diligence documents which can include:
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Financial statements of borrowing entity
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ACRA / BizFiles for Corporate Borrowing entity as well as for Personal Guarantee for each respective facility and more
Vast Credit Expertise
Our credit team along with our 2 directors at CMA have a vast credit and underwriting experience with more than 10+ years of experience in the alternative credit space
Contact Us
If you wish to find out more about our transactions and what we do at CM Advisers, feel free to reach out to us or follow us on Linkedin
Address: 1 Changi Business Park Crescent
#02-17 Plaza 8 @ CBP, Podium C
Singapore 486025
T. (+65) 6302 5316
Email: sharath@capital-match.com
