A Working Capital Loan that

needs only 2 docs to apply

gets approved in under 24 hours

gets you up to $100k

Looking for working capital financing that is affordable, fast, and hassle-free? We help SMEs like yours access working capital loans for operational expenses or growth, without taking on long-term debt.

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 $100,000, with no collateral needed
Submit only 2 documents for credit assessment*
Enjoy personalised, low interest rates from 8.3% p.a.
Get approved as fast as 24 hours

*KYC documents for onboarding to be submitted after approval

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Loan Amount

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.

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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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Fund expansion plans and grow your business
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Extra firepower to take on capital intensive projects

Why choose a working capital loan from Validus?

Compared to Banks and other Financial Institutions, we typically require less documents from you to get started.
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why-choose-validus

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.

Frequently Asked Questions about working capital financing

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.

What documents are required to apply?

SMEs will only need to send in 2 documents* for credit assessment to apply for a working capital loan.

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

*KYC documents for onboarding to be submitted after approval

How much can I borrow?

You may borrow up to SGD 100k 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 24 hours), your financing request will be crowdfunded by our lenders and the funds will be disbursed to your nominated account within 24-48 hours.

Keen to find out your estimated interest costs?

Use our 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.
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Borrowing from another financial institution or bank?

Get in touch and find out if you qualify for better rates. Request a non-obligatory callback or WhatsApp us if you have any questions!
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