SME Financing to fuel recovery and growth

Validus provides working capital to SMEs to help ease cash flow, so your business can prime for recovery, ramp up operations and capitalise on growth opportunities. Obtain funds now to address cash flow challenges - all without the need to pledge collateral, and with less paperwork required.

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Financing local SMEs in these sectors:

  • Construction
  • Marine and Offshore
  • Logistics and Transportation
  • Wholesale Trade
  • Food Suppliers and Distributors
  • Cleaning, Delivery services
  • Or, SMEs with Govt. Buyers
Invoice Financing
Up to$1 million
Max. 90% of invoice amount
Easy to apply, 48-hr approval
One-time disbursement fee only
Loan Tenure: 1 to 5 months
Purchase Order Financing
Up to$120k
Max. 60% of PO amount
Easy to apply, 48-hr approval
One-time disbursement fee only
Loan Tenure: 1 to 4 months

Financing your response to COVID-19

For operational expenses and address cash flow challenges to support business
Fulfil orders and meet increased demand in production of essential goods and services
Supplement government relief measures with additional working capital
For new business ideas or to adapt services or products in response to the current economic situation

Frequently Asked Questions

What is the eligibility criteria?

Please note that we only finance ACRA-registered private limited companies 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.

How much can my business borrow?

You may borrow up to SGD 1 million for Invoice Financing, and up to SGD 120k for Purchase Order Financing. Loan amount, interest rates, and disbursement fee for any finance or loan request may vary and is subject to assessment by Validus Capital.

How do I apply? What is the process?

Simply get in touch with us to get started. The application process for a COVID SME business loan typically takes less than 15 mins. Once your application has been approved and the documents verified (typically within 48 hours), your financing request will be crowdfunded by our lenders and the funds will be disbursed to your nominated account within 24-48 hours.

What documents are required to apply?

To finance invoices issued to ST Engineering, SMRT, KSL, Guthrie Engineering, KSH Holdings, Country Foods or YTL:

  • For pre-approved limit of up to $500k, no documents are required
  • For a limit of up to $1 million, we may request for company Financials, Bank Statements, Ageing Report, CBS and NOA of Directors

For non-disclosed Invoice Financing and Purchase Order Financing*:

  • 2-year Financial Statements
  • 6-month Bank Statements
  • CBS and NOA of Directors
  • Ageing Report

For disclosed Invoice Financing, no documents are required*

For disclosed Purchase Order Financing, 12-month Bank Statements are required*

*Documents required for credit assessment only. KYC documents for onboarding to be submitted after approval

What is the interest rate?

It can vary from 0.5 – 1.75% per month, depending on the SME profile and credit analysis.

Are there any fees?

Yes, there is a one-time disbursement fee only.

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.

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