Accelerating SME lending in Singapore with Mambu
By moving to Mambu’s core banking platform, GB Helios, one of Singapore’s leading non-bank financial institutions cut time-to-market, grew their customer base by 30% and built a future-ready lending business.
- months to market
- customer base growth
- disbursed loans since inception
GB HELIOS
About the customer
GB Helios is a Singapore-based non-bank financial institution with over 40 years of group experience in the automotive industry and a decade in financial services. Established in 2015 as part of the Goldbell Group, GB Helios (previously known as Goldbell Financial Services) was created to address the financing needs of SMEs in Singapore.
Today, the company offers one-stop business financial solutions that span both traditional and alternative lending, including factoring, term loans, business property loans, embedded financing, venture debt, and revenue-based financing.
The challenge
Legacy tech limiting speed and scale
As GB Helios scaled its lending operations to meet rising demand from SMEs in Singapore, it became clear that legacy systems were holding the business back. The company needed to move faster—both in terms of bringing new lending products to market and in processing applications. Traditional banking platforms couldn’t support the level of agility or efficiency that GB Helios aimed to offer. To continue growing and stay competitive, the team needed a more modern, flexible technology foundation.
The solution
Composable core enabling rapid innovation
In early 2020 to address these challenges, GB Helios adopted Mambu’s composable cloud banking platform. The move allowed the company to shift away from a monolithic setup toward a modular, API-first approach. This gave the team the ability to build, test, and launch new lending products faster, without being tied to rigid development cycles or complex integrations.
Mambu’s composable platform also enabled GB Helios to automate manual workflows, cut down processing times, and integrate seamlessly with a range of third-party solutions. With a more flexible infrastructure, the business could now offer more customised financing options while operating more efficiently behind the scenes.
The result
Rapid scaling, superior service
It took GB Helios just four months to go to market with its unsecured and secured lending products after implementing Mambu. Following the migration, the company has seen more than 30% growth in its customer base. To date GB Helios has disbursed over S$1 billion in loans and supported more than 1,500 businesses across Singapore. With streamlined operations and the ability to rapidly adapt to customer needs, GB Helios has positioned itself as one of the country’s leading and innovative financial providers.
At the start of 2025, the company renewed its partnership with Mambu—signalling continued confidence in the cloud-native platform’s role in supporting sustainable growth. With a modern, agile infrastructure in place, GB Helios is well-positioned to deepen its role as a key financial partner to Singapore’s business community.
“Our partnership with Mambu has been a driving force behind our rapid growth and success. Mambu's cloud-native platform is delivering the agility and flexibility we need to adapt to the ever-changing financial landscape. Our goal is to make financing easier, simpler and faster, and Mambu helps us do this. The platform’s composable architecture means we can be flexible in the partners that we select and we can respond with agility when customer demands evolve or the market shifts.”
- Alex Chua, Founder of GB Helios
Design cutting-edge financial products for SMEs
Whether you offer loans for businesses to start new operations or financing to support expansion and growth, Mambu provides the tools to build fully configurable business lending products.
