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How are repayments structured? Repayments are made weekly or daily over the term of the loan, which can be anything from three to 12 months. What if I'm a startup business? We usually need a minimum of six months' trading history, however, if you have an existing business and need funding for a new venture, please get in touch and we'll be able to quickly assess whether we can help you or not. Why are the interest rates higher than a secured loan? The interest rates on an unsecured business loan are higher than a secured loan as we don't have any assets to guarantee repayment. Of course, that means that we can provide finance quickly as we don't have to go through the paperwork needed to value property or vehicles!
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I switched my credit cards to cashback from airmiles during circuit breaker last year, and I am hoping to save some money by getting 4-5% cashback from my normal credit card spend. Can you help check if my setup is ideal? I focused on general cashback and dining because I don't buy a lot at the grocery (and buy more from specialty online groceries). But have been dining out more again after circuit breaker. I don't drive, no petrol spend. My strategy is to put all dining spend on the OCBC 365 (until I hit S$1, 333 for the month; I usually go to Cold Storage so put the grocery spend in the UOB One), put all other contactless and online on DBS Live Fresh (until I hit S$400 for the month in that category), and put everything else on the UOB One and make sure to hit S$2, 000/billing period. Any remaining spend goes to the Amex Cashback. I see many of my friends use the UOB One and OCBC 365 when we eat out.
All our departments offer career focused programmes at a range of levels. Still not sure? Why not give one of our advisors a call? They can talk you through your skills, interests and career ambitions to help you decide the right programme to fit around your life, as well as the learning methods that may best suit you. Master the modern business theories and practices you'll apply to your career A lot of our students are already working and looking to advance in their career. Career pathways include management roles in a range of sectors including healthcare, technology, civil service and government, finance, marketing, and management. Additionally, a number of our students also decide to start their own businesses after Arden or continue their studies with further postgraduate studies or research. The possibilities are endless. For those already in the workplace, a programme at Arden University has been the opportunity to secure a promotion or formed a catalyst for a new pathway or change in career.
