Short-term Business Loans for Growing SMEs

Access up to $500,000, with no collateral needed
Fast business loan approval outcome in 48 hours
Personalised, low interest rates from 1% a month
Simple application process, minimal documentation to apply

Get my FREE SME business loan estimate

Loan Amount

How short-term business loans benefit you

Looking to undertake new projects, hire new staff or purchase new equipment? Running a business is capital intensive and we understand the cash flow challenges you may face.

Regardless of your project or business size, we are committed to keep you moving forward. Here’s your chance to obtain additional funds at attractive, low interest rates and take your business to the next level.

boost-cash-flow
Short-term capital injection or as a top up to bank financing
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Flexibility to obtain financing as and when you need
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Hire more employees and fund purchases
new-business-opportunity
Funds to capitalise on new business opportunities

Why choose Validus?

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Business loan approval outcome in 48 hours
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Attractive interest rates from as low as 1% per month
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Transparent, simple fees
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Over $300 million funded

Business loans designed for growing SMEs

Purchase Order Financing
Up to 60%
of Purchase Order amount
Funds to help kickstart your projects or fufill orders
30 - 90 days' repayment term, based on Purchase Order terms
Rates from 1.25% per month
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Invoice Financing
Up to80%
of invoice amount
Optimise your accounts receivable to free up cash flow
30 - 120 days' repayment terms, based on invoice terms
Rates as low as 1.0% per month
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Working Capital Loan
Up to$250,000
unsecured loan
Finance your expansion or grow your workforce
3 to 12-month tenure

Rates from 1.5% per month
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Frequently Asked Questions

What is the eligibility criteria?

To qualify, your business must be registered on ACRA, with an operating history of at least 2 years, and a minimum annual revenue of at least SGD 500k.

How do I apply? What is the process?

Simply get in touch with us to get started. The application process typically takes less than 15 mins, and the approval can be given in 48 hours.

How much funding can I get?

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.

What documents are needed to apply?

Minimal documentation required 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

Please refer to our FAQs page if you have more questions.

Apply for hassle-free business financing now in 3 simple steps

  • 1

    Check your eligibility

    Your business is eligible to apply if it is:

    ► A Singaporean business registered on ACRA
    ► Has been operating for at least 2 years
    ► Has an annual revenue over SGD 500k

  • 2

    Apply online with fewer docs*

    Simply apply online and send in these documents for fast approval:

    ► 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

  • 3

    Receive funds fast

    Once your application has been approved and the documents verified (typically within 48 hours), your financing request will be be crowdfunded by our lenders and the funds will be disbursed to your nominated account within 24-48 hours.

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