Under the Enterprise Financing Scheme by Enterprise Singapore, Validus offers government-assisted SME loans so that your business can access funds to drive recovery or growth. If your business is an ACRA-registered private limited company that has been in operations for at least 2 years, we welcome you to get in touch.
Check your eligibility
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SME Financing Solutions (Government-Assisted Scheme)



*KYC docs need to be completed separately for onboarding
Frequently Asked Questions about EFS
What is the eligibility criteria?
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
*Eligibility criteria is specific to Validus’ EFS only, and is not representative of Enterprise Singapore’s criteria. Information is accurate as of 10 Feb 2022, and is subject to change without notice. It is intended as a guide only, and does not constitute an offer of finance.
What documents are needed 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*
For working capital financing, you will only be required to submit 2 documents* for credit assessment:
- 6-month Bank Statements
- CBS of Directors
*Documents required for credit assessment only. KYC documents for onboarding to be submitted after approval
How much can I borrow?
You could obtain up to SGD 1 million 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 EFS loan typically takes less than 15 mins. Once your application has been approved and the documents verified (typically within 24-48 hours), funds will then be 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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