Frequently Asked Questions
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 a Singapore resident to invest with us, but we would need a copy of your documents for KYC checks. Please contact our Investor Relations team by email (email@example.com) or WhatsApp +65 8661 7644 for more information.
It’s easy to create your Validus account, simply follow these steps to start investing on the Validus platform
Step 1: Click here to sign up and create your Validus account. We will require a photo or a scanned copy of your NRIC/ passport and a recent proof of address.
Step 2: As part of the sign up process, you will receive an electronically generated email to complete two documents: Accredited Investor Declaration and MAS Risk Disclosure.
Step 3: You will be notified when your account is successfully set up (ranging from 1-2 working days).
Step 4: Transfer funds into your Validus account, and enable Auto Invest to start investing in SME loan facilities.
If you have any questions or would like more information, feel free to reach out to our Investor Relations team at (firstname.lastname@example.org)
First, register as an investor via Validus platform. 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 platform. Use those ‘Available Funds’ to participate in live facilities after going through your own risk assessment.
We charge a 20% flat fee on any interest paid and received by an Investor through the platform. We do not take this commission if earnings are not received. This is payable to Validus and will be deducted before the amount due to you that is reflected on your dashboard, in accordance with the transaction document (the investment factsheet, also known as the Facility Request for Investors).
A minimum portfolio size of SGD 50,000 is required overall.
Per facility there is no minimum imposed when manually investing. A minimum investment of SGD 1,000 per facility is required for investments made via Auto Invest.
Loan tenors are as follows:
- 30 to 150 days for Invoice Financing and Purchase Order Financing
- 12 months for Working Capital Financing
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 offer better rates of return in the long term. This is what marketplace lending trends have shown over the last 5 years.
Loan tenors are typically between:
- 30 to 150 days for Invoice Financing and Purchase Order Financing, or
- 12 months for Working Capital Financing
These may vary according to facilities and SMEs involved.
Auto Invest is a convenient way for you to invest. It automatically allocates your available funds to facilities according to your set preferences, in order to optimise fund utilisation and maximise returns. When a new facility becomes available on the platform, Auto Invest will automatically create a list of investors to participate based on their pre-determined settings, that will be used to ﬁll the facility.
Auto Invest allows investors to select their limit exposure to any one SME borrower, facility type they would like to invest in, and interest rate exposure on each of the facility types. Auto Invest will only engage whenever there are live facilities that meet investors’ speciﬁc criteria.
Investors can choose to manually invest into live facilities on the platform after going through their own risk assessment or they can decide to enable Auto Invest by visiting the ‘Auto Invest’ tab in their account. Any and all ‘matching’ is done at the discretion of, or instruction of you as an Investor.
Validus works with SCCB (part of Dun & Bradstreet) and DP-Experian.
Our platform generated a net rate of return from 4% to 24% p.a., depending on portfolio diversification and the facilities invested in.
Click here for General Performance Information Disclosure
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 there as well.
No, as these are high risk, high yield investments. 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.
We are unable to advise you on your tax matters. Whether you are a Singapore resident, a non-Singapore resident, or an institutional/corporate investor, please consult a tax professional who can advise you regarding tax matters.
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.
Our Credit Risk and Compliance teams use credit bureau reports and ratings as well as third party bureaus to gather data. However, you are reminded to perform your own assessment of SMEs.
We will notify you and the reason for any delayed payments, and the SME borrower will be liable for late charges and additional interest applied to the outstanding amount due for the duration of delay. You may check the Collections Note which can be found in the Portfolio tab of the platform, for the latest updates regarding any delayed investments.
We conduct thorough checks on the borrowing SME and its directors. However, please note that complete prevention of fraud is not possible.
We are unable to do this. As the SME has agreed on a certain repayment schedule, we will not call back the facility before the end of the agreed repayment term.
In the event of any voluntary or involuntary cessation of business at Validus’ end, a proper business cessation plan to protect investors are as stated below:
1. Communication to all investors
All investors registered on our platform will be updated on Validus’ business cessation situation prior to its occurrence. Initial communication will be done through circulation of an official email, where further queries following that can be redirected to our IR team: email@example.com
Any communication after the cessation will be directed to/handled by Vistra Corporate Trust (Singapore) Ltd (“VISTRA”).
2. Handling of investors’ monies and future repayments
All funds invested through Validus’ platform is kept secure with our escrow agent, VISTRA. Investors whose funds are not being invested in any loan transactions will be able to proceed with a full withdrawal. For investors whose portion of funds are being invested in outstanding loan transactions, only withdrawal on the remaining funds will be available.
With regards to funds being invested in outstanding loan transactions, VISTRA will serve as the future point of contact and investors may liaise with them regarding the future principal and interest repayments due for each outstanding loan transaction. The preceding statement applies to defaulted loans as well, recovery options/procedures will be arranged by VISTRA.
3. Investor agreements and documents
All physical or electronic documents pertaining to investor KYC, AI status, loan agreements, and other relevant information will be placed in the custody of VISTRA where investors will be granted full access to documents they were authorized to previously.
Our team is here to support you. We help small and medium business owners in Singapore obtain zero-collateral, fast and flexible financing to grow their business. Interested? Let’s chat.Contact Us