Typically within 7 business days of the Validus Team getting all the required documents and information, and ascertaining that the Funding Application meets the credit risk criteria, the Funding Request is then uploaded on the Platform for participation by registered Investors.
You must be a corporation or limited liability partnership registered with the Accounting and Corporate Regulatory Authority of Singapore, and have a bank account in Singapore; and preferably have at least 2 (two) years continuous trading or profits record.
The list of documents varies with each Funding application. For a complete list, click here!
After completing your registration as an SME, you may make a Funding Application.
That depends on your requirements, credit assessment and Investor take-up on the facility.
For invoice financing or working capital financing.
It could vary from 0.75% - 3.0% per month, depending on the SME profile and credit analysis.
A summary of your business and risks, including strengths & other factors associated with the Funding Request, and other details about your business will be made available to risk assessment partners, Iinsurance company, and credit bureaus for receiving your credit reports, and registered Investors on the Platform.
Late interests will apply and we may engage debt collectors and legal proceedings if necessary. We really do hope, it does not come to this!
Your credit ratings will decide the rate of interest. If you have a high (good) credit rating- the rate of interest may be lower & vice versa.
We take personal guarantees from your directors.
In certain cases, we may also require that you grant us a security deed – charge over receivables and accounts.
Validus does NOT use your money for its operations. A separate independent escrow account managed by escrow provider Vistra, holds investors' monies. All SME repayments are paid into that account, and disbursals are done from the same.
No, these are highrisk, highyield investments, and you have the discretion to choose how you want to invest your money through the Validus platform. Investors should consider carefully the risks of investing and may wish to seek separate independent advice before making a commitment to invest.
You may register to be an Investor with Validus if you are an accredited investor as an individual or entity. You do not need to be resident in Singapore but we would need your documents for a KYC check done by Vistra – our escrow partners. Please contact our Investor Relations team (firstname.lastname@example.org) for more information.
Register as an Investor on Validus. Upon confirmation of your registration by Validus, commit and send funds that you wish to invest to the designated escrow account. See it pop up as ‘Available Funds’ on your investor dashboard on Validus. Use those ‘Available Funds’ to participate in live Facilities after going through your own risk assessment.
Yes, a minimum investment level is SGD5,000 per Facility. However, your total committed funds must be greater than SGD 50,000.
None. However, we request you to exercise caution and if you choose to.You may diversify your risk by spreading your investments across various Facilities. This "fractionalization " may (possibly!) tend to offer better rates of return in the longer term. This is what P2P or P2B lending trends have shown over the last 5 years.
 days for Invoice Financing and  days for Working Capital Financing. These may be varied depending on facilities and SMEs involved.
Depending on the Facility type, we expect returns ranging from 9% to 28% p.a. These rates could be even higher based on the risk adjusted pricing of the Facility. We suggest that you factor in some amount of delay or default risks to arrive at a risk adjusted return for your portfolio.
We are unable to advice you on your tax matters.
We charge a fee on all incomes, interest, charges & penalties that are received by an Investor through the Platform. This is payable each month to Validus and will be deducted before the amount due to you pursuant to the Transaction Document is reflected on your dashboard.
Yes, the SME's name and a basic business profile of its business will be made available to you on the Platform. However, you are legally bound not to contact SMEs directly. Any questions you have should be directed to the Validus Team.
The risk analysis team of Validus uses credit bureau reports and ratings, and 3rd party bureaus to gather data. However, you are reminded to perform your own assessment of SMEs.
Fractionalization in the P2P lending space means the breaking of an Investor’s portfolio into smaller slices to help them diversify their risk over a larger eco-system of borrowers.
SCCB (part of Dun & Bradstreet) and DP-Experian and the Credit Research Initiative at the National University of Singapore.
There are late charges levied. Depending on a case to case basis, these may be waived partially or fully at the discretion of Validus.
Debt collection and legal action could be resorted to.
SMEs are Singapore domiciled entities.
We conduct checks on the SME and its directors but please note that complete prevention of fraud is not possible.
It’s not possible to rewrite a facility in the middle of its tenure. It is however possible that a facility is restructured.
No, since the SME has agreed on a certain repayment schedule, we will not call back the facility before the end of such repayment term.
www.validus.sg is an e-commerce online lending platform that brings together SMEs from Singapore in front a global investing audience. In short, Validus acts as an efficient aggregator for Singapore SME funding requirements. We assist as administrator of the Platform in matching Investors and SMEs and facilitate the facility/investment transactions between them.
Validus primarily facilitates in bringing together Investors & SMEs on its Platform. In some cases, we may also have “skin in the game”, with the founders, management and/or Validus investing in some of the facilities.
Validus offers the opportunity for investors to earn a higher rate of interest against diversified risks. Validus aims to create a strong social impact in a safe jurisdiction like Singapore. SMEs may achieve lower borrowing rates in comparison to some non-banking financial intermediaries prevalent in the market. Validus specifically also caters to and understands the financial needs of a growing business and supports those through the Platform. The SMEs on Validus are growing at an average of 20% y.o.y in terms of Turnover/ Revenue.
Validus does not hold a banking licence and does not operate as a bank. Validus seeks to provide support to SMEs not financed by the banks or financial institutions, as well as SMEs needing top-ups for growth related funding.
Validus provides a Platform in bringing together the Investor & SME. Depending on the type of facility/investment one is opting for, a registered SME may apply to Validus to place a Funding Request with a target rate of interest, on the Platform. The Funding Request is valid for a brief period (normally 7 business days) and is visible to registered Investors on the Platform with a minimum balance requirement.
The SME needs to register on the Platform. Once registered, the SME may submit a Funding Application on the Platform. The Funding Application is then reviewed by Validus for suitability of posting on the Platform. Where suitable, we will then post a Funding Request on the Platform for registered Investors. If the Funding Request is subscribed and funded to a certain threshold, the facility is then executed and funds transferred.
Register as an Investor on Validus. Upon confirmation of your registration, commit funds that you wish to invest to the designated independent corporate account. See it pop up as ‘Available Funds’ on your investor dashboard on Validus. Use those ‘Available Funds’ to participate in live Facilities after going through your own risk assessment.
Only a registered SMEs and Investors may access the Platform.
Validus transacts in Singapore Dollars.
Investors may not contact SMEs directly.
www.validus.sg is encrypted using an absolute cipher suite. The website uses TLS 1.2. The website is encrypted and authenticated using AES_128_GCM and uses RSA as the key exchange mechanism also the website having EV SSL Certificate..
No. You can only be registered as either an SME or an Investor.
Validus holds a Capital Markets Services Licence under the Securities and Futures Act of Singapore, issued by the Monetary Authority of Singapore.