
Capital Raising
OPEN
Right Choice Capital
Scalable Digital Lending and Technology Solutions

INDUSTRY
Digital Lending
RAISING
SGD$2M
PRE-MONEY VALUATION
SGD$11M
MINIMUM INVESTMENT
SGD$50,000
Investment Highlights
Company Overview
Transaction Overview
Team
Transaction Summary

Right Choice Capital
Raising SGD$2M
Pre-Money Valuation SGD$11M
Investment Highlights
Investment with Singapore parent company, protected under Singapore law
9-year operating track record with S$30M raised and S$20M returned to investors
High-yield 15% p.a. (annual dividend)
Strategic entry point ahead of institutional Series A (expected in Q4 2025)
Transaction Overview
Terms of offer:
- Redeemable, Convertible Preference Shares with 15% guaranteed annual dividend and optional equity conversion.
- Up to 15% common share stake at Conversion. 1-year optional renewable term. Shares issued at S$1.00.
- Future exit via equity buyout, trade sale, or conversion. Board seats are available for larger investors.
Working Capital | Loan Portfolio | Technology Platform Revenue Growth |
---|---|---|
40%
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| 35%
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| 25%
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|
Company Overview
Right Choice Capital (RCC) is a proven and successful Southeast Asia-based Financial Services group offering innovative and inclusive financial solutions.
With 4 key business units - Rural Banking, Digital Lending, Tech & Back Office Solutions, and Capital Advisory - RCC provides funding for underserved MSMEs and Corporate Employee Consumers through scalable and compliant infrastructure. Founded in 2016, the company has grown steadily with a reputation for integrity, impact, and innovation.

Core Business Units
RCC operates through several specialized divisions:
- Right Choice Finance Corp: Provides SME and consumer lending in the Philippines, offering products like earned wage access and salary loans to underbanked populations .
- Right Choice Kapital: A Singapore-based SME financial services consulting arm that achieved significant growth in its first year, contributing over 25% to group revenue
- RCC-Tech: Delivers SaaS solutions to enhance workplace efficiency for businesses, evolving from an internal tech provider to a profitable standalone unit.
- Rural Bank of San Luis: A Philippine rural bank with over 50 years of history, currently undergoing digital transformation to improve banking accessibility in rural communities .
Financial Performance
In the fiscal year ending March 2024, Right Choice Capital (RCC) reported a 114% year-on-year revenue growth, surpassing US$7.4 million, while maintaining positive EBITDA and net income. The company has disbursed over S$19.7 million to investors to date, delivering an average annual return of 17.53%.
While FY25 has seen a temporary dip in revenue due to delayed funding, RCC has preserved operational resilience and is positioned for a strong rebound, supported by a secured institutional credit facility, strategic partnrships, and renewed investor inflows expected in the upcoming quarter.
Social Impact Initiatives
Through its "WeCare" advocacy, RCC engages in community outreach programs in Singapore and the Philippines, promoting education, financial literacy, and support for underprivileged families. The company reports impacting over 80,000 lives annually and providing credit access to more than 75,000 clients.

Previous Funding
DATE | PRICE/SHARE | EQUITY AMOUNT | Notable Investors |
---|---|---|---|
2 Feb 18 | $1.00 | $3,000,000 | Founder |
17 May 19 | $4.50 | $2,025,000 | Minor Shareholder - HNWI |
18 March 20 | $4.50 | $691,875 | Minor Shareholder - HNWI |
31 May 21 | $2.27 | $2,703,764 | Minor Shareholder - HNWI |
1 August 23 | $2.27 | $2,610,000 | Founder |
Total Raised | $11,031,238 |

Team
Announcements
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