Faster Better Affordable SME Loans for Singapore Businesses*

Gear up your small business for growth or fund project overheads and operational expenses with an SME or startup loan offered by Validus, Singapore’s #1 SME financing platform and Winner of MAS FinTech Awards 2020 (Singapore Financial Institution).
  • Borrow up to $1 million, no collateral needed
  • Save more with interest rates as low as 1.05% per month
  • Get approved as fast as 24 hours
  • Apply with as little as 1 document

*Validus Capital finances Singapore private limited companies that have been in operation for at least 6 months, and sole proprietorships (owned by Singaporeans or PRs) that have been in operation for at least 18 months.

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    Grow your business with better SME loan solutions in Singapore

    Invoice Financing

    Up to $1 million

    Max. 80% of invoice amount

    • Optimise your accounts receivable to free up cash flow
    • Rates from 1.05% per month
    • Loan Tenor: up to 4 months

    Working Capital Financing

    Up to $300k

    unsecured loan

    • Finance growth and operational expenses
    • Rates from 1.3% per month
    • Loan Tenor: 12 months
    • As little as 2 documents to apply

    Purchase Order Financing

    Up to $500k

    Max. 50% of PO amount

    • Funds to help kickstart your projects or fulfil orders
    • Rates from 1.3% per month
    • Loan Tenure: up to 4 months

    With fresh working capital, the sky's the limit

    Need extra funds to purchase inventory or planning to expand your business? Here’s your chance to supercharge your working capital at attractive, low interest rates and take your business to the next level with our SME loan in Singapore.

    Short-term capital injection or top up to bank financing

    Hire more employees, fund purchases, and fulfil orders

    Flexibility to obtain financing as and when you need

    Extra firepower to launch new products and services

    Benefits of SME Loan

    Validus offers a range of SME loan solutions designed to help businesses and startups in Singapore meet their funding needs quickly, securely and affordably. By taking a loan from Validus, businesses can benefit from lower costs, thanks to the attractive interest rates offered, especially for customers with a healthy credit risk profile. The application process is secure, simple, with quick approval times, and businesses will be informed on their loan approval status within 1 day. By taking a loan from Validus, businesses can handle projects with high upfront costs and seize opportunities as they arise, accelerating plans to scale up and supporting rapid growth. In addition, businesses can cover temporary cash shortfalls with affordable short-term financing, and prepare for unforeseen circumstances by securing an extra line of credit. With Validus’ SME loans, businesses can focus on their goals, knowing they have the financial support they need to succeed.

    Hear what SMEs are saying

    We’ve disbursed over SGD 4.8 billion in business loans to SMEs. But don’t take our word for it…take theirs instead.

    I found Validus to be well-suited for my business needs - the easy application and fast approval means I was able to access financing in a very convenient way, at the shortest possible time to be able to make the best business decisions required.
    Vasugi Raman
    Vasugi RamanPrincipal of St Gerard's School
    To grow our business, we required additional financing to purchase inventory and fulfil orders. It was with Validus' seamless borrowing process that we've managed to achieve these orders to grow our revenue.
    Edmond Ting
    Edmond TingDirector of Juntostarc
    Validus financing solutions has helped us to accelerate business growth. Through their quick approval and financing process, it allows us to boost our cash flow to take on more projects to better serve both the government and private sector.
    Allyson Shee
    Allyson SheeAquila Nova, family-owned business

    Eligibility requirements and facility fee

    Validus offers SME loans to businesses that meet the eligibility criteria, including being incorporated in Singapore for at least 6 months, and having at least 25% ownership by a Singaporean or Singapore PR. To apply for a loan, businesses need to provide a recent Credit Bureau Report, dated no more than one month ago, as well as their bank statements for the last six months, for credit assessment purposes. The application process is straightforward and free of charge, and there are no fees associated with it. However, a disbursal fee will be charged along with the disbursal of the loan. Validus strives to make its SME loan solutions accessible and transparent, allowing businesses to focus on their growth and success without worrying about hidden costs or complicated application procedures.

    Frequently Asked Questions

    The eligibility criteria differs across product but as a general rule of thumb, Singapore private limited companies that have been in operation for at least 6 months, and sole proprietorships (owned by Singaporeans or PRs) that have been in operation for at least 18 months.

    The loan approval outcome will depend on the assessment of our credit and risk teams.

    For Working Capital Financing, you are required to submit a minimum of 2 documents* for credit assessment:

    • Latest 6 months bank statements
    • CBS of guarantor(s)
    • NOA (*only applicable for sole proprietorships and single shareholders) 

    For Disclosed Invoice Financing

    • CBS of guarantor(s)

    For Non Disclosed Invoice Financing, Purchase Order Financing, Accounts Payable Financing:

    • 2-year Financial Statements
    • 6-month Bank Statements
    • CBS of guarantor(s)
    • GST F5
    • GST SOA
    • MLCB of guarantor(s)

    The monthly instalments for a Validus SME loan will depend on various factors such as the amount borrowed, the loan tenor, and the interest rate offered, among others. Therefore, it’s difficult to provide an accurate estimate without knowing the specific details of the loan. To get a more accurate gauge of the monthly instalments, we recommend that interested parties contact the Validus team directly. The team will be happy to assist with any questions and provide personalised information on the monthly instalments based on individual circumstances.

    You may borrow up to SGD 1 million for Invoice Financing, up to SGD 300k for Working Capital Financing, and up to SGD 500k for Purchase Order Financing and Accounts Payable Financing. Loan amount, interest rates, and disbursement fee for any finance or loan request may vary and is subject to assessment by Validus Capital.

    Simply get in touch with us with the form above. Once your application has been approved and the documents verified by our credit team, the funds will be disbursed to your nominated account within 24 hours.

    Validus offers competitive interest rates on its SME business loans in Singapore. The interest rate varies depending on the type of financing required, starting from as low as 1.05% per month

    Validus understands the importance of speed and efficiency when it comes to SME loan applications. The company strives to make the process as fast and hassle-free as possible for businesses and startups in Singapore. Typically, Validus can approve SME loan applications in as fast as 24 hours. This means that businesses can get the funds they need quickly and start working on their growth and expansion plans without delay. However, the exact processing time may vary depending on the specific circumstances of each loan application. To ensure a smooth and timely application process, businesses should provide all the necessary documents and information as accurately and promptly as possible.

    Validus strives to provide its customers with flexible and affordable SME business loan solutions.There is no pre-payment penalty for companies for repaying their loan earlier.

    Get in touch and transform your business today

    Don't wait any longer, reach out today and equip yourself with the working capital you need to achieve your business goals!
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