EXCLUSIVE  for Constellar’s Partners & Exhibitors:

Buy Now, Pay Later

With extended interest-free payment terms, you can ease your cash flow and not worry about making payments upfront.

As a Constellar Partner or Exhibitor, you’ll enjoy preferential benefits when you choose to finance your Constellar accounts payable with Validus:

90 days of interest-free financing for your purchases
Quick clearance of your outstanding payables to Constellar
No admin fee, no hidden costs
Competitive and affordable interest rates if you choose to extend beyond the 90 days’ interest-free period

Apply Now & Get Extended Payment Terms

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How 'Buy Now, Pay Later' Works

Four simple steps for effective cash flow management
  • 1

    Express interest in Validus BNPL Program

  • 2

    Submit minimal documents and invoice from Constellar

  • 3

    Validus pays Constellar 100% of the invoice

  • 4

    Repay Validus loan

There's more - check out our loans designed for your other small business needs

Purchase Order Financing
Up to$120k
Max. 60% of PO amount
Funds to help kickstart your projects or fufill orders
Loan Tenure: up to 4 months
Rates from 1% per month
Fulfill more orders
Working Capital Loan
Up to$150k
unsecured loan
Finance your expansion or grow your workforce
Rates from 8.3% p.a
Loan Tenure: 12 months
Only 2 documents to apply*
Grow your business

*KYC documents for onboarding to be submitted after approval

Invoice Financing
Up to$1 million
Max. 90% of invoice amount
Optimise your accounts receivable to free up cash flow
Loan Tenure: up to 5 months
Rates as low as 0.5% per month
Get paid earlier

Why Choose Validus?

Founded in 2015, we are an award-winning fintech that recently crossed our milestone of funding more than $1 billion to SMEs across the region. Unlike traditional sources of financing, you may expect an approval outcome within 48 hours of submitting the required documents.

Hear from local business owners

We’ve funded over $550 million to SMEs, helping to accelerate their growth. But don’t take our word for it…take theirs instead.

Frequently Asked Questions

What is the eligibility criteria?

Please note that we only finance ACRA-registered private limited companies (sole proprietors excluded) that have been in operations for at least 2 years. The loan approval outcome will depend on the assessment of our credit and risk teams.

Is there a cap on the invoice value for BNPL?

Each company may finance a total of up to SGD 10,000 in invoices. The minimum amount is SGD 1,000 per invoice. 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 required to apply for BNPL?

Simply submit the following documents:

  • Invoice(s) from Constellar
  • Proof of Identity (NRIC/Passport)
  • Proof of Address (e.g. most recent utility bill or bank statement)

If your BNPL application is approved, you’ll then have to submit the signed Board Resolution and Loan Agreement pre-disbursal.

How do I apply? What is the process?

Simply get in touch with us with the form above and we’ll be in touch with you. 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.

Buy Now, Pay Later (“BNPL”) Program Terms and Conditions

This offer is applicable to Constellar’s Partners and Exhibitors in Singapore.

Interest is only charged if the loan is repaid after the 90-day interest-free period. 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. Information provided is intended as a guide, and does not constitute a loan application or an offer of finance. Validus Capital reserves the right to update the information without prior notice.

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