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 loan offered by Validus, Singapore’s #1 SME financing platform and Winner of MAS FinTech Awards 2020 (Singapore Financial Institution).

  • Borrow up to $1 million, no collateral needed
  • Save more with interest rates as low as 0.7% per month
  • Get approved as fast as 24 hours
  • Apply with as little as 2 documents

*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

    Invoice Financing

    Up to $1 million

    Max. 90% of invoice amount

    • Optimise your accounts receivable to free up cash flow
    • Rates from 0.7% per month
    • Loan Tenor: up to 5 months

    Working Capital Financing

    Up to $150k

    unsecured loan

    • Finance growth and operational expenses
    • Rates from 1.3% per month
    • Loan Tenor: 12 months
    • As little as 2 documents to apply

    Purchase Order Financing

    Up to $120k

    Max. 60% of PO amount

    • Funds to help kickstart your projects or fufill orders
    • Rates from 1.2% per month
    • Loan Tenure: up to 4 months

    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.

    Short-term capital injection or top up to bank financing

    Hire more employees, fund purchases, and fulfill orders

    Flexibility to obtain financing as and when you need

    Extra firepower to launch new products and services

    Hear what SMEs are saying

    We’ve disbursed over SGD 3 billion in funds to SMEs. But don’t take our word for it…take theirs instead.

    I found Validus to be well-suited for my business needs - the easy application and fast approval means I was able to access financing in a very convenient way, at the shortest possible time to be able to make the best business decisions required.
    Vasugi Raman
    Vasugi RamanPrincipal of St Gerard's School
    To grow our business, we required additional financing to purchase inventory and fulfil orders. It was with Validus' seamless borrowing process that we've managed to achieve these orders to grow our revenue.
    Edmond Ting
    Edmond TingDirector of Juntostarc
    Validus financing solutions has helped us to accelerate business growth. Through their quick approval and financing process, it allows us to boost our cash flow to take on more projects to better serve both the government and private sector.
    Allyson Shee
    Allyson SheeAquila Nova, family-owned business

    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.

    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 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.

    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!
    ENQUIRE NOW

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