What just happened — and what it means for your business.
An operator-grade read on the policy moves, MAS decisions, budget shifts, and AI changes that actually matter if you're running a Singapore SME. No macro reports written for fund managers. No trader takes. No clickbait. Just: this is what changed, and this is what you should do about it.
Written by Caleb Khoo — Sydney corporate-finance background, now building financial models and running corporate finance for SG SMEs out of CK Advisory.
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Each issue is one event, translated into your business.
- 01MAS, rates & banking
MAS held the rate this week — should your operating cash still be in a DBS multiplier, or in T-bills?
- 02Policy & regulation
GST 9% has been in for two years. The retail SMEs that adjusted price points cleanly — and the ones still bleeding margin.
- 03Budget & stimulus
Budget 2026 dropped — three things that matter for a 20-person agency, three things to ignore.
- 04AI & technology
IMDA's new GenAI co-funding scheme — is it actually worth applying for, or is the admin cost the whole grant?
Every issue follows the same three-part structure: what happened, what it means for your business, what to do this week. Five to seven minutes to read. Designed to be useful, not comprehensive.
Past issues
- 13 May 2026Operating insight
A newsletter for SG SME founders — what to expect
Two emails a week. What just happened in policy, MAS, AI, budget, and markets — and what it means for your Singapore SME business.
- 26 May 2026Policy & regulation
When a Policy Changes Mid-Year and Your Budget Is Already Set
Singapore SME founders face mid-year policy changes that break existing budgets. Here is how to reforecast fast without waiting for your accountant.
- 19 May 2026MAS, rates & banking
Where to Park Operating Cash When Rates Are in Flux
Singapore SME founders often leave operating cash in low-yield accounts by default. Here is how to think about cash placement when rates keep moving.
- 14 May 2026Operating insight
Why Your Highest-Margin Service Might Be Bleeding You Dry
A high gross margin doesn't mean a service is profitable. Here's how SG SME founders misread their numbers — and what to check instead.
- 22 May 2026Budget & stimulus
Why Most SMEs Leave Budget Schemes on the Table
Singapore SMEs routinely miss government budget grants and schemes. Here is how to build a simple process to capture the ones that actually move the needle.
- 15 May 2026Markets & macro
When Markets Move, What Should Your Cash Actually Be Doing
When markets swing and rates shift, Singapore SME founders often freeze or chase yield. Here is how to think about your operating cash in volatile conditions.
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