Enterprise financing scheme

Enterprise Financing Scheme for Singapore SMEs*

Under the Enterprise Financing Scheme by Enterprise Singapore, Validus offers government-assisted loans to help SMEs access funds to drive recovery or growth.

As Singapore’s #1 trusted SME financing platform with over $2 billion disbursed, we make it our priority to help small business owners like you get the funds you need to boost working capital without the need to pledge collateral and take up long-term debt.

  • Borrow up to $1 million, no collateral needed
  • Save more with interest rates as low as 0.6% per month
  • Get approved as fast as 24 hours
  • Apply with as little as 2 documents

*Only applicable to ACRA-registered private limited companies that have been operating for > 6 months

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    Grow your business with our Government-assisted schemes

    Invoice Financing

    Up to $1 million

    Max. 90% of invoice amount

    • Optimise your accounts receivable to free up cash flow
    • Rates from 0.6% per month
    • Loan Tenure: up to 5 months

    Working Capital Financing

    Up to $150k

    unsecured loan

    • Finance growth and operational expenses
    • Rates from 8.99% p.a
    • Loan Tenure: 12 months
    • Only 2 documents to apply*

    *KYC documents for onboarding to be submitted after approval

    Purchase Order Financing

    Up to $120k

    Max. 60% of PO amount

    • Funds to help kickstart your projects or fufill orders
    • Rates from 1.2% per month
    • Loan Tenure: up to 5 months

    Gain a competitive edge with a stronger cash flow

    Need extra funds to purchase inventory or planning to expand your business? Here’s your chance to supercharge your working capital at attractive, low interest rates and take your business to the next level.

    Short-term capital injection or top up to bank financing

    Hire more employees, fund purchases, and fulfill orders

    Flexibility to obtain financing as and when you need

    Extra firepower to launch new products and services

    Hear what SMEs are saying

    We’ve disbursed over $2 billion in funds to SMEs. But don’t take our word for it…take theirs instead.

    I found Validus to be well-suited for my business needs - the easy application and fast approval means I was able to access financing in a very convenient way, at the shortest possible time to be able to make the best business decisions required.
    Vasugi Raman
    Vasugi RamanPrincipal of St Gerard's School
    To grow our business, we required additional financing to purchase inventory and fulfil orders. It was with Validus' seamless borrowing process that we've managed to achieve these orders to grow our revenue.
    Edmond Ting
    Edmond TingDirector of Juntostarc
    Validus financing solutions has helped us to accelerate business growth. Through their quick approval and financing process, it allows us to boost our cash flow to take on more projects to better serve both the government and private sector.
    Allyson Shee
    Allyson SheeAquila Nova, family-owned business

    Frequently Asked Questions

    Please note that we only finance ACRA-registered private limited companies that have been in operations for at least 6 months for Working Capital Financing and 2 years for Invoice and Purchase Order Financing. The loan approval outcome will depend on the assessment of our credit and risk teams.

    You may borrow up to SGD 150k for Working Capital Financing, 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.

    Simply get in touch with us with the form above or self-register online on our platform within minutes. Once your application has been approved and the documents verified by our credit team, your financing request will be crowdfunded by our lenders and the funds will be disbursed to your nominated account within 24 hours.

    For working capital financing, you will only be required to submit 2 documents* for credit assessment:

    • 6-month Bank Statements
    • CBS of Directors

    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

    Get in touch and transform your business today

    Don't wait any longer, reach out today and equip yourself with the working capital you need to achieve your business goals!
    ENQUIRE NOW

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