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 million, with no collateral needed
Get approved as fast as 24 hours
Enjoy personalised, low interest rates from 0.6% 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$120k
Max. 60% of PO amount
Funds to help kickstart your projects or fufill orders
Loan Tenure: up to 4 months
Rates from 1.2% per month
Fulfill more orders
Working Capital Loan
Up to$150k
unsecured loan
Finance your expansion or grow your workforce
Rates from 8.99% p.a
Loan Tenure: 12 months
Only 2 documents to apply*
Grow your business

*KYC documents for onboarding to be submitted after approval

Invoice Financing
Up to$1 million
Max. 90% of invoice amount
Optimise your accounts receivable to free up cash flow
Loan Tenure: up to 5 months
Rates from 0.6% per month
Get paid earlier

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
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

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.

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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