SME Loans in Singapore Up to $500k for Small Businesses

Access up to $500,000, with no collateral needed
Fast SME loan approval outcome in 48 hours
Personalised, low interest rates from 1% a month
Simple application process, minimal documentation to apply

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Loan Amount

SME loans designed for small business needs

Purchase Order Financing
Up to 60%
of Purchase Order amount
Funds to help kickstart your projects or fufill orders
30 - 90 days' repayment term, based on Purchase Order terms
Rates from 1.25% per month
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Invoice Financing
Up to80%
of invoice amount
Optimise your accounts receivable to free up cash flow
30 - 120 days' repayment terms, based on invoice terms
Rates as low as 1.0% per month
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Working Capital Loan
Up to$250,000
unsecured loan
Finance your expansion or grow your workforce
3 to 12-month tenure

Rates from 1.5% per month
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How short-term SME loans benefit you

Want invoice payments earlier? Need extra funds to purchase inventory? Planning to expand business? No problem. Here’s your chance to obtain SME loans at attractive, low interest rates and take your business to the next level.

boost-cash-flow
Short-term capital injection or as a top up to bank financing
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Hire more employees, fund purchases, and fulfil orders
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Flexibility to obtain financing as and when you need
new-business-opportunity
Extra firepower to launch new products and services

What our SMEs think about us

We’ve disbursed over $600 million in funds to SMEs. But don’t take our word for it…take theirs instead.

View our SME feature series on YouTube

vasugi-raman-st-gerards-school-principal
Vasugi Raman

Principal of St Gerard's School

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.
edmond-ting-juntostarc
Edmond Ting

Director of Juntostarc

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.
allyson-shee-aquila-nova
Allyson Shee

Aquila Nova, family-owned business

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.

Frequently Asked Questions about SME loans

What is the eligibility criteria?

To qualify for an SME loan, your business must be registered on ACRA, with an operating history of at least 2 years, and a minimum annual revenue of at least SGD 500k.

How much funding can I get?

You may borrow up to SGD 500k for an SME loan. Loan amount, interest rates and disbursement fee for any finance or loan request may vary and is subject to assessment by Validus Capital.

How do I apply? What is the process?

Simply get in touch with us to get started. The application process for an SME loan typically takes less than 15 mins. Once your application has been approved and the documents verified (typically within 48 hours), your financing request will be crowdfunded by our lenders and the funds will be disbursed to your nominated account within 24-48 hours.

What documents are needed to apply?

It’s easy to get started, SMEs will simply need to send in a few documents to apply for an SME loan*

  • Bank Statements (past 6 months)
  • Financial Statement/ Management Account (past 1 year)
  • Credit Bureau Statement (past 1 month) of Personal Guarantor(s)
  • Notice of Assessment (past 1 year) of Personal Guarantor(s)

*Required application documents may vary on application based on the financing request

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

Interested? Let's get in touch!

Boost cash flow and meet your business goals. Request a non-obligatory callback and get your free quote today!

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