You guys can try
www.creditculture.sg
My cbs is HH and BTI x 10. I could not get a DCP plan from banks because their minimum is x 12.
My interest rate is 1% per month. It is higher than banks but i couldnt get a loan from banks. I believe it is the second best alternative after banks. Other licensed money lender charges really high interest rate and 10% processing fee.
I headed down their office after getting approval online. Only took 10mins before they disburse the funds via bank transfer.
My friend got rejected by them. I guess they are quite strict cause they charge low interest.