Invoice Financing for Singapore SMEs

Delivered the goods but still waiting for your invoice payment? Working capital trapped in your accounts receivables could be used to free up cash flow and grow your business. With invoice financing, SMEs* like yours can advance up to 90% of your invoice amount and unlock additional working capital now.

*For ACRA-registered private limited companies that has been in operations for at least 2 years

Apply nowEstimate my fees

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
Please enter a value below $1,000,000
The field is required.

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 90% 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

Icons made by turkkub from is licensed by CC 3.0 BY
Unlock capital trapped in unpaid invoices
Funds to capitalise on new business opportunities
Flexibility to finance invoices as and when you need
Icons made by Eucalyp from is licensed by CC 3.0 BY
Short-term capital injection or as a top up to bank financing

Why Choose Validus?

Icons made by Freepik from is licensed by CC 3.0 BY
Loan approval outcome in 48 hours
Icons made by Freepik from is licensed by CC 3.0 BY
Attractive interest rates from 0.6%/mo
Icons made by Freepik from is licensed by CC 3.0 BY
Transparent, simple fees
Icons made by Eucalyp from is licensed by CC 3.0 BY
Over $2 billion funded

What our SMEs think about us

We’ve disbursed over $2 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 0.6% 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

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. Offering 30 to 150 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 to90%
of invoice amount
Up to $1,000,000
Interest rate from 0.6% per month
Tenure 30 to 150 days, depending on invoice terms
Request Call Back

Interested? Let's get in touch!

Unlock working capital trapped in unpaid invoices and meet your business goals. Get your free quote today!

Get Free Quote

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

Borrow up to $150,000 or up to 60% of PO amount. Minimal docs needed to apply.

Read about us in the press