Build VC Ready Financial Model for Singapore Startups with 3 Scenarios
Ray Tay
Practical founder checklist to build a VC Ready three statement model with monthly forecasts for the first 18–24 months, three scenarios, cap table, and...
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Expert Advice, Industry Updates, and Thought Leadership – All in One Place.
Singapore NDAs for Foreign Founders: 3–5 Year Terms and PDPA Clauses
Ray Tay
Singapore NDA essentials for foreign founders: three NDA types, PDPA clauses to include, typical 3–5 year terms, and cross border signing steps.
Avoid Shortfalls: 13-Week Cash Flow Forecasting for Singapore Founders
Ray Tay
13 week template and 12 month projection for Singapore founders. Covers GST, CPF, payroll, overseas capital timing, and bank assumptions.
GST 与 SST 的区别：企业合规与税务筹划指南
Ray Tay
了解 GST 与 SST 在征税机制、进项抵扣与合规要求的关键差异，帮助您制定更稳健的税务与申报计划，降低税负风险并优化现金流与合同条款。
Do You Need a Singapore Holding Company for Indonesia? Direct Ownership Costs Up to 37.6% — Here Is the Maths (2026)
Ray Tay
Own an Indonesian company directly and up to 37.6% of profit is gone. A Singapore holding company (≥25%) cuts that to 29.8% and protects the…
去印尼扩张为何要先设新加坡控股公司？直接持股最多损失37.6%（2026年算法）
Ray Tay
直接持有印尼公司：22%企业所得税+20%股息预提税=37.6%；通过持股≥25%的新加坡控股公司，协定税率10%，合计29.8%，且退出时印尼不征税。
S$10M Test, XBRL Errors: Singapore Accounting for Foreign Founders
Ray Tay
Practical 2026 explainer for foreign founders: pass the S$10 million two of three test, prepare accounts ready for XBRL, and file with ACRA using VIVOS.
Avoid Surprise Audits in Singapore: Check the S$10M Two of Three Test
Ray Tay
Does your Singapore company need an audit? Check the S$10M two of three test, group consolidation rules, and auditor appointment deadlines.
Should You File Your Singapore Employment Pass Before 1 January 2027? The Founder’s Timeline and the Age-Based Maths
Ray Tay
EP bar rises 1 Jan 2027: S$8,382→S$9,000 at 35, S$10,700→S$11,500 at 45+. The latest realistic start date to file under 2026 rules, from MOM's own…
新加坡就业准证（EP）2027年门槛上调：创始人应在2026年还是2027年申请？按年龄计算
Ray Tay
2027年1月1日起EP薪资门槛上调：35岁从8,382新元升至9,000新元，45岁以上从10,700升至11,500新元。按MOM时程推算，2026年规则下最迟何时启动。
Founder EPs: 40 Point COMPASS Checklist for Singapore Applications
Ray Tay
Founder guide to Singapore's COMPASS framework: how to hit the 40 point pass, meet S$5,600/S$6,200 salary rules, and fix borderline EP applications.
