Receive customer payments earlier with invoice financing

Unlock valuable capital tied up in unpaid invoices with our flexible invoice financing solutions, and improve your business cash flow.

Get accounts receivables paid earlier – advance up to $1 million with minimal documents and zero collateral, in as fast as one day.

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Invoice Financing image

Short-term liquidity when you need it

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

Your Business is Eligible if you are a Singapore company, that is:

  • A private limited company
  • Registered with ACRA
  • In operations for at least 2 years

Estimate your invoice financing interest cost

Adjust the sliders below to see your estimated figures. Get in touch for a customised quote.

Invoice Amount (SGD)
Payment Terms (i.e. Invoice Due Date)
60 days
180 days

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 advance now
Plus, when invoices paid
What you will pay

Why choose Validus

Loan approval outcome in as fast as 1 day

Attractive interest rates from as low as 0.75% per month

Transparent, simple fees

20% average revenue growth of SMEs with Validus

Frequently Asked Questions

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.

Please note that we only finance Singapore private limited companies registered with ACRA. 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 60 – 180 days’ payment terms.

Interest rates start from as low as 0.75% a month, and a one-time disbursement fee (for each loan application) will be applied. You may use our free calculator to help you estimate your total cost. 

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. 

To finance invoices issued to SMRT and KSL:

  • 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

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.


Apply for an invoice financing loan

Unlock working capital trapped in unpaid invoices and meet your business goals.

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