Quick and Affordable Financing  for Small and Medium Businesses

 EXCLUSIVE   Enjoy $0 Disbursement Fees for First 3 Months*

Looking for an affordable, cash flow-friendly solution to boost working capital? Power up your business cash flow with collateral-free, short-term credit solutions up to $500k and set your business up for success.

*From now till 31 Dec 2021, sign up now and enjoy zero disbursement fees on all invoice financing loans in the first 3 months from your first invoice financing loan.

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Borrow up to $500k in collateral-free business financing

Invoice Financing
Unlock cash against your accounts receivable
Up to $500k, max. 90% of invoice value
Low interest rate from 0.5% per month, disbursement fee waived during promo period
Loan tenure of up to 5 months
No lock-in period: Flexible, pay-per-use arrangement
Easy to apply, 48-hr approval
Purchase Order Financing
Get extra funds to buy inventory and complete customer orders
Up to 60% of Purchase Order value
Low interest rate from 1.1% per month, one-time disbursement fee only
Loan tenure of up to 5 months
No lock-in period: Flexible, pay-per-use arrangement
Easy to apply, 48-hr approval
Working Capital Financing
Scale your business with much-needed capital injection
Up to $100k, with monthly repayments between 3 to 12 months
Low interest rate from 8.3% p.a., one-time disbursement fee only
Only 2 documents required^
No lock-in period: Flexible, pay-per-use arrangement
Easy to apply, 48-hr approval

^KYC documents for onboarding to be submitted after approval

Let your business scale new heights faster
with smarter financing solutions


Address business cash flow challenges


Fulfil orders and meet increased demand


Supplement govt. reliefs and bank loans


Fund business growth or expansion

Frequently Asked Questions

How much can my business borrow?

You may borrow up to SGD 500k. Loan amount, interest rates, and disbursement fee for any finance or loan request may vary and is subject to assessment by Validus Capital.

How does Invoice Financing work?

After invoicing your buyer, SMEs can submit their verified invoices to Validus. Once approved, Validus then disburses up to 90% of the invoice amount to the SME. After your buyer makes payment on the invoice due date, Validus will send the SME the balance amount, minus interest payable.

What documents are required?

For invoice and 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

What are the interest rates and fees?

It starts from 0.5% per month, depending on the SME profile, product type, and credit assessment. Unlike banks and other financing companies, Validus only charges a one-time disbursement fee only (no additional nor hidden charges). This fee will be waived during the promotional period.

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.

Please refer to our FAQs page if you have more questions.

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Hear from local business owners

We’ve funded over $1 billion to SMEs, helping to accelerate their growth. But don’t take our word for it…take theirs instead.

Exclusive Offer Terms and Conditions

*This exclusive offer is only applicable to our Invoice Financing product and is valid till 31 Dec 2021. 100% of the disbursement fees collected (inclusive of GST) for all loan transactions within the first 3 months from the disbursement date of the first loan transaction will be reimbursed in full within 1 day of the disbursement. Information provided is intended as a guide and does not constitute a loan application or an offer of finance. Loan amount and interest rates will be based on lending criteria and may vary. Any finance or loan request is subject to assessment against Validus Capital’s lending criteria, standard disclaimers, and terms and conditions. Validus Capital reserves the right to update the information without prior notice.