Alternative Investment: P2P Lending to SMEs

Gain access to Singapore’s largest SME financing platform

Capitalise on growing demand and unique market opportunities in direct lending to SMEs. As you invest on our P2P platform, you're also driving financial inclusion for SMEs.

✓ Exclusive to accredited investors - HNWIs, Institutions
✓ Regulated by the Monetary Authority of Singapore (CMS Licence)

Diversify your portfolio

Invest across multiple SMEs and different lending products

High-yield returns

Projected 8 to 12% p.a. is higher than most passive investments

Get monthly returns

Receive payments as SMEs make repayments, or automatically reinvest

Award-winning Fintech transforming SME Financing

Founded in 2015, Validus has grown to become Singapore’s leading SME financing platform, providing an attractive alternative investment asset class for accredited investors in the region.

$530M

disbursed

17,500

loans

90%

return borrowers
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How does P2P lending work?

P2P lending on the Validus platform provides SMEs who are underserved or unserved by traditional bank financing gain access to working capital from investors (accredited investors or institutional lenders). Simultaneously, investors are able to gain exposure to the SME asset class for high yield and low volatility investing as it is relatively uncorrelated to markets due to absolute returns earned from repayment of loan facilities.

Businesses you're investing in

Our SMEs are from a range of sectors, assessed through stringent data-driven credit checks

Validus has forged strong partnerships with leading industry partners including financial institutions, as well as blue-chip and Government-Linked companies (GLCs), to deploy solutions that avail financing and boost SME lending in supply chains.

By participating in SME lending opportunities on the Validus platform, you are investing in viable SMEs so that they are well-positioned to accelerate their growth, and contributions to employment and economic growth.

singapore-smes

Singapore SMEs

10-years

10 years in business

revenue

$4.2m annual revenue

glcs-and-smcs

Has GLC & MNC Buyers

*Average SME Borrower Profile between Jul 2019 to Jun 2020

Types of P2P Lending Investment Products

Projected return ranges
Purchase Order Financing
$12 - 30%
per annum
Up to 60% of purchase order value
60 - 90 days tenure
Bullet repayment at the end
Invoice Financing
$9.6 - 24%
per annum
Up to 80% invoice value
30 - 120 days tenure
Bullet repayment at the end
Working Capital Financing
$18 - 30%
per annum
Up to $250k, based on risk profile
6 - 12 months tenure
Monthly repayment

Frequently Asked Questions by Investors

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 to invest with us, but we would need a copy of your documents for KYC checks. Please contact our Investor Relations team by email (ir@validus.sg) or WhatsApp +65 8661 7644 for more information.

How are investors matched with borrowers?

Investors can choose to manually invest into live facilities on the platform after going through their own risk assessment or they can decide to enable Auto Invest by visiting the ‘Auto Invest’ tab in their account.

Are my returns taxable?

For Singapore residents, investments of this nature are subject to tax, please contact Inland Revenue Authority of Singapore (IRAS) for more details. 

For non-residents, Validus is required to withhold tax on interest earned as per Singapore’s tax regulations. Withholding tax is calculated as a percentage on your Gross Return as stipulated by IRAS, and is deducted when repayments are applied to your account.  

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.

Click here for General Performance Information Disclosure

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.

What fees do investors pay to Validus?

We charge a 20% flat fee on earnings received 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.

Please refer to our FAQs page if you have more questions.

Things to Note

Investment longer than indicative term

In some circumstances, your funds may need to remain on loan to a borrower beyond the stated indicative term. As trade financing facilities make up approximately 75%-80% of our loan book, it is common for repayments to be delayed due to the different repayment cycles of the borrower’s various debtors. However, as an investor, you will continue to accrue interest for each day your funds remain outstanding on the loan until repayment of the loan has been made in full. You will also be able to access the investor platform for any updates on the status of all the loans you have invested in.

No withdrawal of funds until the end of indicative lending period

You may withdraw any amount from your available balance at any time without penalty. However, you will not be able to withdraw the portion of your funds which have been extended as a loan to a borrower prior to the end of the indicative lending period.

Late payment or default of the borrower

In the event a borrower defaults on its loan, Validus will step in to assist with the recovery of your funds on your behalf and shall endeavor to update you of any progress at each stage of the recovery process. However, you may be charged certain legal fees for the recovery of your funds beyond the initial stages. Please contact your personal relationship manager at any time to discuss the same.

Please refer to the MAS Risk Disclosure Statement that you have signed for full details of risks involved in your investment. You may also refer to the General Performance and Risk Disclosure for detailed information on Validus’ historical performance.

Learn why HNWIs and institutional investors choose Validus

Validus’s sourcing ability, quality checks, and default guarantees makes it a very attractive investment opportunity. Under the current Covid-19 situation when asset values across classes are eroding, an investment in SME lending makes good sense.
Vivek J - CEO & Managing Director
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Investing on the Validus platform has helped me to diversify my portfolio risk. It has allowed me to invest in a new asset class of SME credit, and enjoy above-market returns, with an insurance cover.
Michael Drake Michael Drake - CEO
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With Validus, investors have access to another avenue to generate high-yield passive income.
Tiong Aun - Accredited Investor
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Trusted and backed by reputed VCs

Join our growing community of Accredited and Institutional investors

Start investing

0 Total funded by investors across all markets (SGD)

Monitor portfolio, view facilities and more with our Investor mobile app

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