Short answer — here are Singapore platforms and routes where accredited (AI) investors commonly access private-debt / private‑credit opportunities, plus what to check before investing.

Key MAS rule (who is an “accredited investor”)

• Under the Securities & Futures Act (SFA) an Accredited Investor (individual) must meet at least one of: income in the last 12 months ≥ S$300,000, net personal assets > S$2M (primary residence limited), or net financial assets > S$1M. (Investors must generally opt‑in to AI treatment). (finreg.sg, cimb.com.sg)

Platforms / routes (what they do and investor eligibility)

• Kilde — Singapore CMS‑licensed private‑credit/marketplace that lists secured private‑debt notes (short‑to‑medium term) to accredited, expert and institutional investors. Good for diversified, collateralised consumer / NBFI loan pools; minimums/fees shown on platform. (kilde.sg)
• Validus — MAS‑licensed SME lending marketplace that accepts accredited and institutional investors for invoice / term financing and similar SME debt notes; onboarding requires an AI declaration. (support.validus.sg)
• Funding Societies (FS) — one of the largest SME debt platforms in SE Asia; MAS‑licensed and open to individual investors in Singapore (not only AIs) with low minimums (S$20–S$1,000 depending on product); offers invoice financing, property‑backed and term loans. (Suitable if you want smaller-ticket exposure to SME debt). (fundingsocieties.com)
• FundedHere / Alta (Fundnel → Alta) — FundedHere runs debt/list‑co bond and other private securities (often targeted at AIs); Fundnel/Alta operate as licensed marketplaces for alternative/private securities and typically restrict many offerings to accredited or professional investors. (fundedhere.com, alta.exchange)
• Crowdfunding / P2P platforms (examples) — platforms such as MoolahSense, Crowdo and others operate in Singapore and may offer debt deals; whether retail vs AI‑only varies by platform and product (check each platform’s investor eligibility). Some platforms historically served retail investors while others restrict to AIs. (valuechampion.sg, p2p.crowdo.com)
• Wealth‑manager / marketplace routes to private credit (indirect access) — digital wealth platforms and marketplaces (e.g., iCapital via wealth managers, Endowus partnerships, private banks) provide access to institutional private‑debt funds and feeder structures for accredited / mass‑affluent clients through advisors or platform relationships. This is a common way for AIs to access diversified private‑credit funds from major managers. (icapital.com)

How to pick & what to check (quick checklist)

• Licence & regulation: confirm the platform or fund manager is MAS‑licenced (CMS or registered as appropriate). Platforms above show MAS licence/status on their sites. (kilde.sg, support.validus.sg)
• Investor eligibility & opt‑in: confirm whether the specific deal/product is AI‑only and whether you need to “opt‑in” or submit proof (pay slips, tax returns, audited statements). (finreg.sg, help.kristal.ai)
• Minimums, fees & liquidity: private‑debt deals vary (S$20 on some FS notes up to S$10k+/deal on other platforms). Check platform fees, secondary market / early redemption options and notice periods. (fundingsocieties.com, kilde.sg)
• Structure & security: is the instrument a secured note, senior/subordinated tranche, or an unsecured loan? Are assets pledged and held in escrow/trust? What is recovery/collateral enforcement? (kilde.sg)
• Track record & reporting: ask for historical returns, default / recovery stats, AUM, stress‑test assumptions and independent custodial arrangements. MAS‑licensed platforms normally disclose these items in offering documents. (kilde.sg, validus.sg)
• Tax & legal: check Singapore tax treatment (and your home jurisdiction if you’re non‑resident) and read the offering memorandum and subscription docs carefully. (fundingsocieties.com)

Practical next steps

1. Decide: direct marketplace debt (Kilde, Validus, Funding Societies, FundedHere) vs indirect via wealth manager/iCapital/Endowus (private‑debt funds). (kilde.sg, icapital.com)
2. Verify AI status: prepare documents (income, bank statements, audited balance sheets) and opt‑in if required. (help.kristal.ai)
3. Read the deal info‑memorandum and compare fees, collateral, tenor and early exit provisions. (kilde.sg)

If you want, I can:

• pull together a short, up‑to‑date comparison table (minimums, typical returns, licencing status, AI vs retail) for the platforms above, or
• check one or two specific platforms/managers in more detail (fees, minimums, current offers) and confirm their MAS licence and product terms.

Which of those would you like me to build next?