SME Working Capital Loan for Growing Businesses

Access up to $250,000, with no collateral needed
Fast approval in 48 hours
Personalised, low interest rates from 1.5% a month
Simple application process, minimal documentation to apply

Get a FREE working capital loan estimate

Loan Amount

Benefits of a working capital loan

Looking to undertake new projects, hire new staff or purchase new equipment? Running a business is capital intensive and we understand the cash flow challenges you may face.

Regardless of your project or business size, we are committed to keep you moving forward. Here’s your chance to obtain additional working capital 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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Flexibility to obtain financing as and when you need
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Hire more employees and fund purchases
new-business-opportunity
Funds to capitalise on new business opportunities

Why choose Validus?

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Approval outcome in 48 hours
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Attractive interest rates
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Transparent, simple fees
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Over $300 million funded

Give your business the cash flow it deserves

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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Frequently Asked Questions

What is the eligibility criteria?

To qualify, 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 250k. 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 typically takes less than 15 mins, and the approval can be given in 48 hours.

What documents are required to apply?

It’s easy to get started, 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.

For more information, please refer to our full list of FAQs.

Apply now for simple, fast financing

  • 1

    Check your eligibility

    Your business is eligible to apply if it is:

    ► A Singaporean business registered on ACRA
    ► Has been operating for at least 2 years
    ► Has a minimum annual revenue of at least SGD 500k

  • 2

    Apply online with fewer docs*

    Simply apply online and send in these documents for fast approval:

    ► 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)
    ► Debtors and Creditors Aging Report
    ► Declaration of Loans and Borrowings

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

  • 3

    Receive funds fast

    Once your application has been approved and the documents verified (typically within 48 hours), your financing request will be be crowdfunded by our lenders and the funds will be disbursed to your nominated account within 24-48 hours.

Want to receive invoice payments earlier?

Get up to 80% of your invoice amount upfront with invoice financing. Minimal docs to apply.