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:

Access up to $1,000,000, with no collateral needed

Get approved as fast as 24 hours

Enjoy personalised, low interest rates from 0.5% a month

Apply with minimal documentation required

Apply now and get a quote

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 - 120 days' repayment term, based on Purchase Order terms

Rates from 1.1% per month

Fulfill more orders

Invoice Financing

Up to90%

of invoice amount

Optimise your accounts receivable to free up cash flow

30 - 150 days' repayment terms, based on invoice terms

Rates as low as 0.5% per month

Get paid earlier

Working Capital Loan

Up to$100,000

unsecured loan

Finance your expansion or grow your workforce

Rates from 8.3% p.a

12-month loan tenure

Only 2 documents required*

Grow your business

*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.

Short-term capital injection or as a top up to bank financing

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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

What our SMEs think about us

We’ve disbursed over $1 billion in funds to SMEs. But don’t take our word for it…take theirs instead.

View our SME feature series on YouTube

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

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, 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?

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 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?

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, minimal documents required:- Bank Statements (past 6 months)- Credit Bureau Statement (past 1 month) of Personal Guarantor(s)

To finance invoices issued to any other companies or purchase order financing:

SMEs will simply need to send in a few documents to apply^