About Lyte

Building the global AI real estate credit platform.

Lyte brings funding to the niches of the real estate industry that banks overlook (agents, landlords, marketers, homeowners) and makes that credit safer and more transparent for the lenders behind it.

The Lyte team at work in the Singapore office
Our mission

To create an assured future for all.

We put our money where our mouth is.

For nine years we've lent our own capital in Singapore, Malaysia, Australia and New Zealand, through property booms, cooling measures and a pandemic. Every model in our AI credit platform was trained on loans we underwrote and repayments we collected ourselves. That's why we can offer platforms and funders a platform we trust: we were its first customer.

S$600m+Originated across our markets
200,000+Repayments our models have learned from
9 yrsLending our own capital through property cycles
MASLytePay licensed in Singapore for 5+ years

A message from our CEO.

Vincent Ha, Co-founder and CEO of Lyte

When we started Lyte, real estate agents in Singapore waited months to be paid for work they'd already done. Banks would refer agents to credit cards and personal loans. We learned what good and bad risk looked like, and built the tools to make commissions safely accessible.

Nine years later that toolset has become an AI real estate credit platform, and the same pattern repeats in every market we enter: a real need, an industry banks don't quite understand, and data that makes the risk clear.

Our ambition is simple. Whether you are a tenant, landlord, owner or broker, the roof over our heads is an important part of our lives. It matters. So wherever property moves, we want to be the credit platform underneath it, so that the people who make the industry run are funded fairly, and the people who fund them can do so with our assurance.

Vincent HaCo-founder & CEO

Leadership.

The team responsible for Lyte's business in payments and credit.

Vincent Ha
Vincent HaCo-founder & Chief Executive Officer

Co-founded Lyte and leads strategy, credit and capital.

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Jeslin Wang
Jeslin WangChief Operating Officer

Runs operations across Lyte's markets and products.

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David Oh
David OhChief Financial Officer

Leads capital markets, financing, funding and reporting for the group.

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Backed and trusted by.

Mr Koh Boon Hwee

Mr Koh Boon Hwee

  • Former Chairman, DBS Group
  • Former Board Member, Temasek
  • Chairman, SGX
Mr Tan Chin Hwee

Mr Tan Chin Hwee

  • Former APAC CEO, Trafigura Group
Mr Lim Chap Huat

Mr Lim Chap Huat

  • Executive Chairman, Soilbuild
Singtel Innov8
MS&AD Ventures

About Lyte, in brief.

What is Lyte's mission?
Lyte's mission is to create an assured future for all.
Which products does Lyte run today?
Lyte's AI real estate credit platform runs LytePay (commission advances for real estate agents) and LyteLease (rental advances for landlords). The group also operates Minterest, a consumer lending business.
Who leads Lyte?
Lyte was co-founded by Dennis Goh and Vincent Ha. Today, Lyte is led by Vincent Ha, Co-founder and Chief Executive Officer, with Jeslin Wang as Chief Operating Officer and David Oh as Chief Financial Officer.
Who backs Lyte?
Lyte is backed by Mr Koh Boon Hwee, Mr Tan Chin Hwee, Mr Lim Chap Huat, Singtel Innov8, MS&AD Ventures and several other investors.

Work with Lyte.

Bring real estate credit to your customers, or fund it alongside us.