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 1.75% 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.

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Boost cash flow immediately
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Fulfil orders & meet seasonal demand
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Expand & grow workforce
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Capitalise on new business opportunities

Why choose Validus?

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Faster alternative to banks, get funded in 48 hours
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Attractive interest rates
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Transparent, simple fees
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Over $200 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 1.75% per month
Request Call Back

Frequently Asked Questions

Are you registered in Singapore?

Yes, we are a Singapore company licensed and regulated by MAS. Backed by Vertex Ventures (member of Temasek Holdings), we offer Singapore SMEs a suite of business financing options to bridge the cash flow gap.

What is the eligibility criteria?

You must be a corporation or limited liability partnership registered with the Accounting and Corporate Regulatory Authority of Singapore, and have a bank account in Singapore; and preferably have at least 2 (two) years of continuous trading or profits record (annual revenue more than SGD 250,000).

How soon can I receive funds?

Typically within 48 hours of your financing request being successfully funded on our platform, and you have signed off on the required transaction documents.

How much funding can I get?

That will depend on your requirements, credit assessment and investor take-up on the facility.

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 an annual revenue over SGD 250,000

  • 2

    Apply online with fewer docs

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

    ► Bank Statements (last 6 months)
    ► Financial Statement/ Management Account (last 2 years)
    ► Director(s)' IC, Credit Bureau Statement and Notice of Assessment (last 2 years)

  • 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.

Looking for invoice financing?

Borrow up to $500,000. Minimal docs to apply.