Collateral-free Business Financing for SMEs in Singapore

Take advantage of our affordable low-interest, flexible options. With minimal paperwork and 48-hour approval, you could access working capital of up to $500,000 so you can complete or take on new projects and grow your business quickly.

Unlock cash flow and drive business growth with affordable financing – Get a free quote now

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Reliable, Trusted Founded in 2015, we’ve since funded over 16,000 business loans totalling more than $450 million to date

Business financing for growing Singapore SMEs

Helping your business maintain a stable cash flow for sudden demand changes, additional expenses or for expansion, as and when required.
PO Financing
get up to60%
of each Purchase Order amount
Access cash prior to project commencement
No need to pledge any assets
48-hour approval, next-day cash
Low interest rate from 1.25%*
No hidden or extra charges – Disbursement fee only
Easy application, minimal documentation required
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Invoice Financing
get up to80%
of each Invoice amount
Get paid sooner and unlock cash
flow
No need to pledge any assets
48-hour approval, next-day cash
Low interest rate from 1%*
No hidden fees or extra charges – disbursement fee only
Easy application, minimal documentation required
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Working Capital
up to$250,000
of collateral-free financing
Apply anytime, for a 6 to 12-month tenure
No need to pledge any assets
48-hour approval, next-day cash
Low interest rate from 1.5%*
No hidden or extra charges – Disbursement fee only
Easy application, minimal documentation required
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What our SMEs think about us

We’ve disbursed over $450 million in funds to SMEs. But don’t take our word for it…take theirs instead.

View our SME feature series on YouTube

vasugi-raman-st-gerards-school-principal
Vasugi Raman

Principal of St Gerard's School

I found Validus to be well-suited for my business needs - the easy application and fast approval means I was able to access financing in a very convenient way, at the shortest possible time to be able to make the best business decisions required.
edmond-ting-juntostarc
Edmond Ting

Director of Juntostarc

To grow our business, we required additional financing to purchase inventory and fulfil orders. It was with Validus' seamless borrowing process that we've managed to achieve these orders to grow our revenue.
allyson-shee-aquila-nova
Allyson Shee

Aquila Nova, family-owned business

Validus financing solutions has helped us to accelerate business growth. Through their quick approval and financing process, it allows us to boost our cash flow to take on more projects to better serve both the government and private sector.

Frequently Asked Questions about SME loans

What is the eligibility criteria?

To qualify for an SME 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 funding can I get?

You may borrow up to SGD 500k for an SME 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 an SME 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 needed to apply?

It’s easy to get started, SMEs will simply need to send in a few documents to apply for an SME 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

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

Interested? Let's get in touch!

Boost cash flow and meet your business goals. Request a non-obligatory callback and get your free quote today!

Request Call Back