Invoice Financing for Singapore SMEs
If your business is an ACRA-registered private limited company that has been in operations for at least 2 years, here's an affordable, cash flow-friendly solution to boost working capital. Start monetising your accounts receivable (AR)/ unpaid invoice(s) by getting paid earlier and advance up to $1 million.
Invoice Financing Fee Calculator
Wondering about the invoice financing interest rates? Use our free calculator to estimate your fees and get in touch for a customised quote for your business when you're ready
Adjust the sliders to see how much you can get upfront and your estimated cost
The figures generated by this calculator are intended as a guide only, based on information that you provide. This shall not, and is not intended to, constitute a commitment that rates offered to you will necessarily be better than those generated by the calculator, and, in particular, is not a commitment to provide any financing. Rates will be determined according to, among other things, our analysis of your risk profile. Any financing is subject to such terms and conditions, disclaimers and lending criteria as may be set by Validus Capital from time to time.
Don't wait months to get paid
Boost your cash flow instantly using your Accounts Receivable or unpaid invoices, so you can easily fund operational expenses and overhead or expansion.
- Zero collateral required
- Easy to apply, 48-hour approval
- Advance up to $1,000,000
- Flexible terms - choose the invoice you want to finance
Unlock capital trapped in unpaid invoices
Funds to capitalise on new business opportunities
Flexibility to finance invoices as and when you need
Short-term capital injection or as a top up to bank financing
Why Choose Validus?
Loan approval outcome in 48 hours
Attractive interest rates from 0.5%/mo
Transparent, simple fees
Over $1 billion funded
What our SMEs think about us
We’ve disbursed over $1 billion in funds to SMEs. But don’t take our word for it…take theirs instead.
View our SME feature series on YouTube
Frequently Asked Questions about invoice financing
What is invoice financing?
Invoice financing allows businesses to get paid early and receive up to 90% of your invoice amount, to bridge or increase cash flow that might otherwise be trapped in unpaid invoices due to payment terms or delayed payments. It is an affordable, cashflow-friendly solution for SMEs who require a capital injection for a short period of time.
What is the eligibility criteria?
Please note that we only finance ACRA-registered private limited companies that have been in operations for at least 2 years. The loan approval outcome will depend on the assessment of our credit and risk teams. To benefit from Invoice Financing, your business should ideally be offering 30 – 150 days’ payment terms.
What is the interest rate and fees involved?
We have kept our fee structure simple and transparent: Interest rates start from an affordable 0.5% a month, and a one-time disbursement fee (for each loan application) will be applied. and You may use our free calculator to help you estimate your total cost.
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 to Validus on the invoice due date, we will send the SME the balance amount, minus interest payable.
What documents are needed?
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*:
- 2-year Financial Statements
- 6-month Bank Statements
- CBS and NOA of Directors
- Ageing Report
For disclosed Invoice Financing, no documents are required*
*Documents required for credit assessment only. KYC documents for onboarding to be submitted after approval
How much funding can I get?
You could get up SGD 1 million, maximum 90% of your invoice amount. Loan amount, interest rates and disbursement fee for any finance or loan request may vary and is subject to assessment by Validus Capital.
For more information, please refer to our full list of FAQs.
Get started today with a simple application and quick approval
Best suited for
B2B businesses offering credit sales or have lengthy delivery or project completion times.
Your business is eligible if you are a Singapore company, that is:
- Registered on ACRA
- Trading for at least 2 years
- Offering 30 to 150 days payment terms
Get financing in 3 simple steps
- Apply now: Simply email us for a free quote tailored to your business
- Submit Invoices: Upon approval, simply upload or email the Invoice(s) that you’d like to finance
- Receive Funds: Once the Invoice(s) are verified, the funds will be disbursed to your nominated account within 24-48 hours. Plus receive the balance of the invoice amount (less interest) when your Buyer makes payment.
What is Invoice Financing?