Enterprise Financing Scheme (EFS)

As a Participating Financial Institution (PFI) under EFS, Validus will be providing government-assisted working capital solutions to SMEs to address the financing needs of our local SMEs to prime their recovery and growth.

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Collateral-free SME loans (Government-Assisted Schemes)

Trade Loan: PO Financing
Suits SMEs with large orders or contracts to kickstart projects
Up to $250k, max. 60% of PO value
Tenure max. 5 months
Can be converted into Invoice Financing facility
Easy to apply, 48-hr approval
Trade Loan: Invoice Financing
For SMEs issuing Invoices with credit terms of 30 - 180 days
Up to $500k, max. 80% of invoice
Tenure max. 6 months
Easy to apply, 48-hr approval
SME Working Capital Loan
Unsecured business loans for SMEs
Borrow up to $200k
Max. tenure 18 months
Easy to apply, 48-hr approval

Gain a competitive edge with better financing

Address cash flow challenges for operations
Fulfil orders and meet increased demand
Supplement government relief measures
For new business ideas or to adapt services or products
Learn how we can help

Frequently Asked Questions about EFS

Is my business eligible?

Eligibility criteria:

– Be incorporated and operating in Singapore, with 100% local shareholding

– Business entity set up of at least 2 years

– Group annual revenue below S$500 million

What documents are needed to apply?

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

How much can I borrow?

You could obtain up to SGD 500k under the Enterprise Financing Scheme with Validus. The loan amount, interest rates and disbursement fee for any finance or loan request may vary and is subject to assessment by Validus Capital.

How long does the application process take?

The application process for an SME 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 funds will then disbursed to your nominated account. Simply get in touch with us to get started.

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

Further addressing the SME financing gap as a PFI

As Singapore's largest SME financing platform, we understand how access to affordable financing can enable SMEs’ exponential growth, and we're capable of empowering more SMEs to obtain funding.
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Who is eligible to apply?


Be incorporated and operating in Singapore, with 100% local shareholding


Business entity set up of at least 2 years


Group annual revenue below S$500m

Hear from local business owners

We’ve funded over $600 million to SMEs, helping to accelerate their growth. But don’t take our word for it…take theirs instead.

Singapore’s largest SME financing platform driving financial inclusion across SEA

0 Total funded across all markets (SGD)