SME Working Capital Loan for Small Businesses in Singapore

Access up to $250,000, with no collateral needed
Fast approval outcome in 48 hours
Personalised, low interest rates from 1.5% a month
Simple application process, minimal documentation to apply
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How short-term working capital loans benefit you

Need to bridge that cashflow gap for capital intensive projects, invest in product development, hire more staff or simply planning to expand your business? No problem. Here’s your chance to obtain a working capital loan 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
Fund expansion plans and grow your business
Extra firepower to take on capital intensive projects

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.

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Frequently Asked Questions about working capital financing

What is the eligibility criteria?

To qualify for a working capital loan, 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 can I borrow?

You may borrow up to SGD 250k for a working capital 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 a working capital 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 required to apply?

It’s easy to get started, SMEs will simply need to send in a few documents to apply for a working capital loan*

  • 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.

Keen to find out your estimated interest costs?

Use our FREE working capital loan calculator to find out what your monthly repayments will look like at different interest rates, and then get a simple, sample repayment schedule emailed to you.

Does your business offer 30 to 150-day payment terms on invoices?

Find out how your business could monetise invoices or purchase orders for immediate working capital through invoice financing or purchase order financing. Minimal docs needed to apply.

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