SME Loans in Singapore for Small Businesses
If your business is an ACRA-registered private limited company that has been in operations for at least 2 years, you can:
Apply now and get a quote
SME loans designed for small business needs
*KYC documents for onboarding to be submitted after approval
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.
What our SMEs think about us
We’ve disbursed over $2 billion in funds to SMEs. But don’t take our word for it…take theirs instead.
View our SME feature series on YouTube
Frequently Asked Questions about SME loans
What is the eligibility criteria?
Please note that we only finance ACRA-registered private limited companies that have been in operations for at least 2 years. The loan approval outcome will depend on the assessment of our credit and risk teams.
How much funding can I get?
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.
How do I apply? What is the process?
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.
What documents are needed to apply?
To finance invoices issued to ST Engineering, SMRT, KSL, Guthrie Engineering, KSH Holdings, Country Foods or YTL*:
- For pre-approved limit of up to $500k, no documents are required
- For a limit of up to $1 million, we may request for company Financials, Bank Statements, Ageing Report, CBS and NOA of Directors
For non-disclosed Invoice Financing and Purchase Order Financing*:
- 2-year Financial Statements
- 6-month Bank Statements
- CBS and NOA of Directors
- Ageing Report
For disclosed Invoice Financing, no documents are required*
For disclosed Purchase Order Financing, 12-month Bank Statements are required*
For working capital financing, you will only be required to submit 2 documents* for credit assessment:
- 6-month Bank Statements
- CBS of Directors
*Documents required for credit assessment only. KYC documents for onboarding to be submitted after approval
Please refer to our FAQs page if you have more questions.
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