Access a new asset class
An attractive asset class offering high-yield returns of 4 - 37% per annum (net rate of return in 2019)
Diversify your portfolio
Spread your investment across multiple SMEs with different profiles to diversify your portfolio
Proprietary credit algorithm, strong risk governance, robust credit scoring capabilities + insurance for investors on selected invoice financing facilities
Singapore’s leading peer-to-peer lending platform for SMEs
0 Total funded across all markets (SGD)
REGISTER AS AN INVESTOR
You can register anytime online, simply create an account and upload the required documents. Validus will then perform the standard checks and notify you when your account is ready so you can start investing.
LEND TO GROWING SMEs
Transfer funds into your account and you can start investing by selecting in a group of quality SMEs, all of whom are owners and entrepreneurs of SMEs from the Singapore corporate community.
DIVERSIFY YOUR PORTFOLIO
You can then select the types of facilities you'd like to invest in. Validus uses proprietary risk algorithms and deep learning iterative models to present you diversified investment choices.
1. Who can invest with Validus?
You may register to be an investor with Validus if you are an accredited investor as an individual or entity. You do not need to be a Singapore resident but we would need your documents for a KYC check done by Vistra – our escrow partners. Please contact our Investor Relations team (firstname.lastname@example.org) for more information.
2. Do I qualify as an accredited investor?
You are an accredited investor if your personal income in the last 12 months exceeds SGD300,000 (or equivalent in foreign currency), or if your net personal assets exceeds SGD2 million (or equivalent in foreign currency).
3. What's the investing/ lending process?
Register as an investor on Validus. Upon confirmation of your registration by Validus, commit and send funds that you wish to invest to the designated escrow account. See it pop up as ‘Available Funds’ on your investor dashboard on Validus. Use those ‘Available Funds’ to participate in live facilities after going through your own risk assessment.
4. What is the minimum investment amount?
A minimum portfolio size of SGD 50,000 is required overall.
Per facility there is no minimum imposed when manually investing. A minimum investment of SGD 1,000 per facility is required via Auto Invest.
Loan tenures are for a period between
- • 30 to 120 days for Invoice Financing and Purchase Order Financing
- • 6, 9 or 12 months for Working Capital Financing
5. What fees do investors pay to Validus?
A flat 20% fee is charged on all returns (e.g. incomes, interest, charges and penalties received) made by an investor through the platform. This is payable each month to Validus and will be deducted before the amount due to you in accordance with the transaction document is reflected on your dashboard.
6. What interest rate will I receive?
Our platform generated a net rate of return from 4% to 24% p.a., depending on portfolio diversification and the facilities invested in.
7. Is my money safe with Validus?
Yes. Validus does not use your money for its operations. A separate independent escrow account managed by escrow provider Vistra, holds investors’ monies. All SME repayments are paid into that account, and disbursals are done from there as well.
For other questions, please visit our FAQs page here.
Retired Investment Banker
CEO, Asia, Cognita Schools Group