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Orchard Credit was founded in 1976 by Mr Robert Heng and Mrs Ruby Heng. Under the careful eye of its founders, it soon became a pioneering and recognised auto finance dealer. Orchard Credit quickly grew from unique auto finance services into property and real estate, developing long standing relationships with major banks and financial institutions along the way.

In recent years Mr Renny Heng, the next generation successor of the multi-faceted business, has initiated a series of strategical diversification initiatives. Renny’s passion for importing great food and wine not only led to the establishment of Wine Culture, a fine and rare wine merchant, but also to Only for wines, an advanced temperature controlled wine storage facility.

The success of these ventures inspired the conception of a number of fine dining restaurants including Corner House, a unique Michelin star experience at Singapore’s Botanic Gardens, Sakurazaka, Shelter in the Woods and Verre.

The company has also embraced digital innovation, providing a one-stop online loan service for car buyers and the first online payment service for pre-owned vehicle deposits in Singapore.