Better Business Financing for SMEs
EXCLUSIVE SAVE 30% ON FIRST DISBURSEMENT FEE*
Businesses often struggle with cash flow issues that are further aggravated by delayed payments. Budget Accounts has partnered with Validus to help their SME clients secure short and medium-term financing against their invoices or purchase orders.
Borrow up to $500k in collateral-free business financing



Best suited to B2B or wholesale businesses in Singapore
Small and medium businesses who are registered in Singapore, have more than two years' operational history, in a sector such as:
- Construction
- Marine and Offshore
- Logistics and Transportation
- Wholesale Trade and Manufacturing
- Cleaning, Delivery services
- Or, SMEs with Govt. or MNC Buyers
Frequently Asked Questions
How much can my business borrow?
You may borrow up to SGD 500k. Loan amount, interest rates, and disbursement fee for any finance or loan request may vary and is subject to assessment by Validus Capital.
How does Invoice Financing work?
After invoicing their buyers, SMEs can submit their verified invoices to Validus. Once approved, Validus then disburses up to 80% of the invoice amount to the SME. After the buyer makes payment on the invoice due date, Validus will send the SME the balance amount, minus interest payable.
How do I apply? What documents are required?
It’s easy to get started, SMEs will simply need to send in a few documents to apply*
- Bank Statements (past 6 months)
- Financial Statement/ Management Account (past 1 year)
- Credit Bureau Statement (past 1 month) of Personal Guarantor(s)
- Notice of Assessment (past 1 year) of Personal Guarantor(s)
*Required application documents may vary on application based on the financing request
What are the interest rates and fees?
It can vary from 1% – 2% per month, depending on the SME profile and credit analysis. Unlike banks and other financing companies, Validus only charges a one-time disbursement fee only (no additional nor hidden charges).
How soon can I receive funds?
Typically within 48 hours of your financing request being successfully funded on our platform, and you have signed off on the required transaction documents.
Please refer to our FAQs page if you have more questions.
Check your eligibility

Budget Accounts has partnered with Validus to help SMEs in Singapore access funds easily and affordably. Budget Accounts’ customers could be approved for up to $500,000 in as little as 48 hours.
Learn more about Budget Accounts for SMEs →
Hear from local business owners
We’ve funded over $500 million to SMEs, helping to accelerate their growth. But don’t take our word for it…take theirs instead.
Exclusive Offer Terms and Conditions
*SMEs who are financing with Validus for the first time will can enjoy 30% off disbursement fee on their first Invoice Financing or Purchase Financing. This exclusive Offer is intended for Budget Accounts’ customers only and ends 31 Dec 2020. Information provided is intended as a guide, and does not constitute a loan application or an offer of finance. Loan amount and interest rates will be based on lending criteria and may vary. Any finance or loan request is subject to assessment against Validus Capital’s lending criteria, standard disclaimers and terms and conditions. Validus Capital reserves the right to update the information without prior notice.