A newsletter for SG SME founders — what to expect

What this is

Two emails a week. Free. In your inbox.

Each issue takes one event — a MAS rate move, a new regulation, a budget announcement, an AI subsidy, a market shift — and translates it into what it means if you're running a SGD 1–3M revenue business in Singapore.

Not bank macro reports written for fund managers. Not trader takes about STI swings. Not clickbait headlines optimised for shares. Just: this is what changed, this is what it means for your business, this is what to do this week.

Why I'm writing it

Five years in Sydney corporate finance, building models for executive teams and treasury work — the kind of analysis institutions use to size eight- and nine-figure decisions. The same rigour barely exists in the SG SME world. Founders make seven-figure decisions on six-figure data, often with no model behind them at all.

The gap shows up most often in the news. SG operators read the same headlines as everyone else, but no one is doing the translation work. "MAS held the rate" tells you nothing useful on its own. "MAS held the rate — so your operating cash should probably stay in the multiplier account for now instead of laddering into T-bills, and here's why" is the question someone running an agency or a clinic actually needs answered.

That's the gap this newsletter fills.

What you'll get

Each issue follows the same three-part structure:

• What happened — the event, in plain English, with the actual numbers.
• What it means for your business — translated for someone running a small SG business. Usually with a worked example using realistic SGD figures.
• What to do this week — two or three concrete actions. Not advice-flavoured filler.

500 to 700 words. Five to seven minutes to read. Topic-pegged: policy, MAS, budget, AI, markets, or the occasional operating-insight piece.

What you won't get

No "AI guru" framing. No clickbait. No hashtags. No emojis. No "Discover the secret to…" headlines. No 3-paragraph build-up before the point. No corporate jargon. No pitches.

If a sentence isn't earning its place, I delete it.

How to start

The first real issue lands in your inbox in a few days. If you know another SG founder or operator who'd find this useful, the subscribe page is at ck-advisory.com/newsletter — one click, no friction.

— Caleb