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Calculate how much you could expedite your business cash flow
Please enter a value below $625,000
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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.

How much you could get now Invoice FinancingBased on 80% of the invoice value
Plus, when invoices paid Invoice FinancingThe amount you will receive back when the invoice is paid by the Buyer
What you will pay Invoice FinancingThis is the total cost, comprising of the interest and fees payable

How Invoice Financing Works

Benefits of Invoice Financing

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Unlock capital trapped in unpaid invoices
Funds to capitalise on new business opportunities
Flexibility to finance invoices as and when you need
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Short-term capital injection or as a top up to bank financing

Why Choose Validus?

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Loan approval outcome in 48 hours
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Attractive interest rates from 1%/mo
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Transparent, simple fees
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Over $400 million funded

What our SMEs think about us

We've disbursed over $400 million in funds to SMEs. But don't take our word for it...take theirs instead.

Frequently Asked Questions about invoice financing

What is invoice financing?

Invoice financing allows businesses to get paid early and receive up to 80% 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?

To qualify, your business must be registered on ACRA, with an operating history of at least 2 years, and a minimum annual revenue of at least SGD 500k. To benefit from Invoice Financing, your business should ideally be offering 30 – 120 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 1% 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 80% 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?

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

How much funding can I get?

You could get up SGD 500k, maximum 80% 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

Simple, affordable invoice financing fees

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:

  1. Registered on ACRA
  2. Trading for at least 2 years
  3. Minimum annual revenue of at least SGD 500k
  4. Offering 30 to 120 days payment terms

Get funds when you need

Get financing in 3 simple steps

  1. Apply now: Simply email us for a free quote tailored to your business
  2. Submit Invoices: Upon approval, simply upload or email the Invoice(s) that you’d like to finance
  3. 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.

Invoice Financing
up to80%
of invoice amount
Up to $500,000
Interest rate from 1% per month
Tenure 30 to 120 days, depending on invoice terms
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Unlock working capital trapped in unpaid invoices and meet your business goals. Get your free quote today!

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Looking for a working capital loan or to fund your purchase orders?

Borrow up to $250,000 or up to 60% of PO amount. Minimal docs needed to apply.

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