Faster Better Affordable SME Loans for Singapore Businesses*

Gear up your small business for growth or fund project overheads and operational expenses with an SME or startup loan offered by Validus, Singapore’s #1 SME financing platform and Winner of MAS FinTech Awards 2020 (Singapore Financial Institution).

*Validus Capital finances Singapore private limited companies that have been in operation for at least 6 months, and sole proprietorships (owned by Singaporeans or PRs) that have been in operation for at least 18 months.

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    Grow your business with better SME loan solutions in Singapore

    Invoice Financing

    Up to $1 million

    Max. 80% of invoice amount

    Working Capital Financing

    Up to $150k

    unsecured loan

    Purchase Order Financing

    Up to $300k

    Max. 50% of PO amount

    With fresh working capital, the sky's the limit

    Need extra funds to purchase inventory or planning to expand your business? Here’s your chance to supercharge your working capital at attractive, low interest rates and take your business to the next level with our SME loan in Singapore.

    Short-term capital injection or top up to bank financing

    Hire more employees, fund purchases, and fulfil orders

    Flexibility to obtain financing as and when you need

    Extra firepower to launch new products and services

    Benefits of SME Loan

    Validus offers a range of SME loan solutions designed to help businesses and startups in Singapore meet their funding needs quickly, securely and affordably. By taking a loan from Validus, businesses can benefit from lower costs, thanks to the attractive interest rates offered, especially for customers with a healthy credit risk profile. The application process is secure, simple, with quick approval times, and businesses will be informed on their loan approval status within 1 day. By taking a loan from Validus, businesses can handle projects with high upfront costs and seize opportunities as they arise, accelerating plans to scale up and supporting rapid growth. In addition, businesses can cover temporary cash shortfalls with affordable short-term financing, and prepare for unforeseen circumstances by securing an extra line of credit. With Validus’ SME loans, businesses can focus on their goals, knowing they have the financial support they need to succeed.

    Hear what SMEs are saying

    We’ve disbursed over SGD 4.8 billion in business loans to SMEs. But don’t take our word for it…take theirs instead.

    Eligibility requirements and facility fee

    Validus offers SME loans to businesses that meet the eligibility criteria, including being incorporated in Singapore for at least 6 months, and having at least 25% ownership by a Singaporean or Singapore PR. To apply for a loan, businesses need to provide a recent Credit Bureau Report, dated no more than one month ago, as well as their bank statements for the last six months, for credit assessment purposes. The application process is straightforward and free of charge, and there are no fees associated with it. However, a disbursal fee will be charged along with the disbursal of the loan. Validus strives to make its SME loan solutions accessible and transparent, allowing businesses to focus on their growth and success without worrying about hidden costs or complicated application procedures.

    Frequently Asked Questions

    We finance Singapore private limited companies that have been in operation for at least 6 months, and sole proprietorships (owned by Singaporeans or PRs) that have been in operation for at least 18 months. 

    The loan approval outcome will depend on the assessment of our credit and risk teams. 

    For Working Capital Financing, you are required to submit a minimum of 2 documents* for credit assessment:

    • Latest 6 months bank statements
    • CBS of guarantor(s) 
    • NOA (*only applicable for sole proprietorships) 

    For disclosed Invoice Financing, no documents are required.

    For disclosed Purchase Order Financing, latest 12 months bank statements are required.

    The monthly instalments for a Validus SME loan will depend on various factors such as the amount borrowed, the loan tenor, and the interest rate offered, among others. Therefore, it’s difficult to provide an accurate estimate without knowing the specific details of the loan. To get a more accurate gauge of the monthly instalments, we recommend that interested parties contact the Validus team directly. The team will be happy to assist with any questions and provide personalised information on the monthly instalments based on individual circumstances.

    Beyond SME business loans, Validus provides additional financing products to help small businesses grow, such as working capital loans for faster access to credit, foreign currency transfer and online money transfer services for affordable and convenient payment options. With these financing products, Validus aims to provide businesses with flexible options to support their growth and success.

    You may borrow up to SGD 1 million for Invoice Financing, up to SGD 150k for Working Capital Financing, and up to SGD 120k for Purchase Order Financing. Loan amount, interest rates, and disbursement fee for any finance or loan request may vary and is subject to assessment by Validus Capital.

    Simply get in touch with us with the form above or self-register online on our platform within minutes. Once your SME business loan application has been approved and the documents verified by our credit team, your financing request will be crowdfunded by our lenders and the funds will be disbursed to your nominated account within 24 hours.

    Validus offers competitive interest rates on its SME business loans in Singapore. The interest rate varies depending on the type of financing required. For Invoice Financing, Validus offers rates from 0.75% per month. For Working Capital Financing, the rates start from 1.3% per month and for Purchase Order Financing, the rates begin at 1.2% per month. These rates are designed to provide businesses with affordable financing options, allowing them to fund their growth and operational expenses without putting a significant strain on their finances.

    Validus understands the importance of speed and efficiency when it comes to SME loan applications. The company strives to make the process as fast and hassle-free as possible for businesses and startups in Singapore. Typically, Validus can approve SME loan applications in as fast as 24 hours. This means that businesses can get the funds they need quickly and start working on their growth and expansion plans without delay. However, the exact processing time may vary depending on the specific circumstances of each loan application. To ensure a smooth and timely application process, businesses should provide all the necessary documents and information as accurately and promptly as possible.
    Validus strives to provide its customers with flexible and affordable SME business loan solutions. The company understands that businesses or startups in Singapore may want to repay their loans earlier than scheduled. If a business wishes to make an early prepayment, they can speak with Validus’ staff, who will be happy to assist and provide guidance on the process.

    Get in touch and transform your business today

    Don't wait any longer, reach out today and equip yourself with the working capital you need to achieve your business goals!

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