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

Up to90%

of invoice amount

Low interest rate from 0.5%/mo

Flexible, pay-per-use arrangement

Easy to apply, 48-hr approval

30 - 150 days' tenure

Purchase Order Financing

Up to 60%

of PO amount

Low interest rate from 1%/mo

Flexible, pay-per-use arrangement

Easy to apply, 48-hr approval

Loan tenure: up to 4 months

Gain a competitive edge with better financing

Address cash flow challenges for operations

Fulfil orders and meet increased demand

Supplement government relief measures

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.

Check your eligibility

Hear from local business owners

We’ve funded over $1.3 billion to SMEs, helping to accelerate their growth. But don’t take our word for it…take theirs instead.

Vasugi Raman

Principal of St Gerard's School

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.

Edmond Ting

Director of Juntostarc

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.

Allyson Shee

Aquila Nova, family-owned business

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.

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.