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
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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

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^

  • 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


To apply for a working capital loan, you will only be required to submit 2 documents* for credit assessment:

  • Bank Statements (past 6 months)
  • Latest Credit Bureau Statement

*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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