Is there anything I should take note of when I invest in a local SG business? Like the T&C of the investor agreement letter? (ROI 7%/Month for 12 Months, 1 year later get back full capital)

7% a month sounds like a scam to me. If I were you, I will invest in S-REITs with annual ~5 to 7% dividend yield a year which is still quite high and safer than this potential scam.

An ROI of 7% per month, is significantly higher than what is considered a typical return on investment for most types of investments. While high returns can be attractive, it's important to consider the level of risk involved and whether the return is realistically achievable.

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In some cases, investments offering high returns can also be risky and potentially a scam. Yikes!

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It's also a good idea to check if the investment is registered with MAS. Though not 100% foolproof, but at least it's an additional layer.

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It's not uncommon for people to believe that investments with high returns are automatically risky and not trustworthy. However, there are legitimate investment opportunities that can offer higher returns, but it's important to thoroughly research and understand the potential risks involved.

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Hope you invest wisely.

Guess best to ask yourself whether you trust the channel/lead for such seemingly lucrative deal i.e. ROI 7% pm for 12 months' commitment and gets back full capital one year later... sounds ponzi. The storyline painted to you could be, business needs cash injection to tide over short term and banks are currently charging exorbitantly interest rate for business loans (higher than 84% pa???). Suggest you spend time understanding how the business generates revenue. Since it is packaged as an investment opportunity, you probably get nothing back when company files for insolvency. Do be mindful, loans have to be secured by collaterals.

You sure this is not those illegal money lender kind of business?