Better Business Financing for F&B Suppliers

We provide smart financing solutions like Invoice Financing and PO Financing so F&B suppliers can better cope with seasonal demand changes, make critical purchases, expand operations, and fund business growth.

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Best suited for B2B businesses with credit terms of more than 30 days, in:
  • Wholesale Trade

  • F&B Manufacturing
  • F&B Distribution
  • Logistics and Transportation
  • Delivery services
  • Or, SMEs with Govt. Buyers
invoice-financing
Invoice Financing
Up to90%
of invoice amount
Interest rate from as low as 0.6% per month
Flexible, pay-per-use arrangement
Easy to apply, 48-hr approval
30 - 150 days' tenure
po-financing
Purchase Order Financing
Up to 60%
of PO amount
Interest rate from as low as 1.2% per month
Flexible, pay-per-use arrangement
Easy to apply, 48-hr approval
Loan tenure: up to 4 months

Gain a competitive edge with better financing

alternative-financing
Address cash flow challenges for operations
fulfil-orders
Fulfil orders and meet increased demand
supplement-govt-relief
Supplement government relief measures
adapt-and-retool
For new business ideas or to adapt services or products

Frequently Asked Questions

How much can my business borrow?

You may borrow up to 90% of your invoice value (max. $1 million) and up to 60% of your purchase order value (max. $120k). Loan amount, interest rates, and disbursement fee for any finance or loan request may vary and is subject to assessment by Validus Capital.

How does Invoice Financing work?

After invoicing their buyers, SMEs can submit their verified invoices to Validus. Once approved, Validus then disburses up to 90% of the invoice amount to the SME. After the buyer makes payment on the invoice due date, Validus will send the SME the balance amount, minus interest payable.

How do I apply? What documents are required?

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

Are there any hidden fees?

Interest rates are determined based on the SME profile and credit analysis. Unlike banks and other financing companies, Validus only charges a one-time disbursement fee on top of the monthly interest.

How soon can I receive funds?

Typically within 48 hours of your financing request being successfully funded on our platform, and you have signed off on the required transaction documents.

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

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Disclaimer

Information provided is intended as a guide and does not constitute a loan application or an offer of finance. Loan amount and interest rates will be based on lending criteria and may vary. Any finance or loan request is subject to assessment against Validus Capital’s lending criteria, standard disclaimers and terms and conditions. Validus Capital reserves the right to update the information without prior notice.