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
- Up to $500,000, next-day cash
- Flexible terms - choose the invoice you want to finance
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.