Business Loans for SMEs in
Building and Construction

Plagued by skyrocketing labour and raw material costs? As a small construction business owner, architect, or contractor, you can relieve pressure on your bottom line during these challenging times - especially when projects get delayed or there are simply fewer jobs in the market.

Validus helps construction SMEs like yours access working capital loans for operational expenses or growth, without taking on long-term debt.

Access up to $150,000, with no collateral needed
Submit only 2 documents for credit assessment*
Enjoy personalised, interest rates from as low as 8.99% p.a.
Get approved as fast as 24 hours

*KYC documents for onboarding to be submitted after approval. To be eligible for a loan, your business must be a Singapore-registered private limited company that has been in operations for at least 2 years.

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Unlock working capital with our collateral-free business financing solutions

Invoice Financing
Unlock cash against your accounts receivable
Up to $1 million, max. 90% of invoice value
Low interest rate from 0.5% per month
Loan tenure of up to 5 months
No lock-in period: Flexible, pay-per-use arrangement
Easy to apply, 48-hr approval
Working Capital Loan
Scale your business with much-needed capital injection
Up to $150k unsecured financing
Interest rate from as low as 8.99% p.a., one-time disbursement fee only
12-month loan tenure
Only 2 documents to apply*
Easy to apply, 24-hr approval

*KYC documents for onboarding to be submitted after approval

Purchase Order Loan
Get extra funds to buy inventory and complete customer orders
Up to $120k, max. 60% of Purchase Order value
Low interest rate from 1% per month, one-time disbursement fee only
Loan tenure of up to 4 months
No lock-in period: Flexible, pay-per-use arrangement
Easy to apply, 48-hr approval

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.

Let your business scale new heights faster
with smarter financing solutions


Funds to purchase equipment and materials


Extra firepower to bid for new projects confidently


Supplement govt. reliefs and bank loans


Fund business growth and hire new workers

Frequently Asked Questions

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 finance invoices issued to ST Engineering, SMRT, KSL, Guthrie Engineering, KSH Holdings, Country Foods or YTL*:

  • For pre-approved limit of up to $500k, no documents are required
  • For a limit of up to $1 million, we may request for company Financials, Bank Statements, Ageing Report, CBS and NOA of Directors

For non-disclosed Invoice Financing and Purchase Order Financing*:

  • 2-year Financial Statements
  • 6-month Bank Statements
  • CBS and NOA of Directors
  • Ageing Report

For disclosed Invoice Financing, no documents are required*

For disclosed Purchase Order Financing, 12-month Bank Statements are required*

For working capital financing, you will only be required to submit 2 documents* for credit assessment:

  • 6-month Bank Statements
  • CBS of Directors

*Documents required for credit assessment only. KYC documents for onboarding to be submitted after approval

What are the interest rates and fees?

Monthly interest rates range from 0.5% – 1.75% and a one-time disbursement fee from 0.5% is also included. Rates vary depending on the SME profile, product type and credit analysis.

How soon can I receive funds?

Typically within 24 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.

Boost cash flow today

I confirm that my business is a private limited company registered on ACRA, with at least 2 years of operating history

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