Zero-collateral financing for Xero customers


Grow your business with ready funds from Validus, Singapore’s #1 financing platform for SMEs.

Simply link your Xero account to Validus, and you could access up to $500,000 in less than 48 hours.

Get Started – Create a free account to find out how much you could access

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Fund your growing business in less than 48 hours

Helping your business maintain a stable cash flow for sudden demand changes, additional expenses or for expansion, as and when required.

Easily obtain a free quote and apply using your Xero account to pre-fill our online form. Once that’s done, we will assess the business information provided to determine your business credit and rates.

The ease and speed of obtaining funds for your business makes us a suitable financing option compared to conventional bank loans etc.

✔ No need to pledge any assets
✔ 48-hour approval, next-day cash
✔ Easy application, minimal docs required

Invoice Financing
get up to90%
of each Invoice amount
Get invoice payments sooner
Low interest rate from 0.5%*
Choose the invoices to finance
Working Capital
up to$150k
unsecured financing
12-month loan tenure
Low interest rate from 8.3% p.a.*
Simple fees and no hidden charges

Frequently Asked Questions

What is this program?

Validus has partnered with Xero to help small businesses in Singapore access funds easily and affordably. Xero customers could be approved for up to $250k in as little as 48 hours.

What is the eligibility criteria?

Your business must be a Singapore-registered entity and must be in operation for the last two years. Other eligibility criteria will also apply.

Are you a Singapore company?

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. Read about us in the media 

What documents do you require?

Minimal documentation required, e.g. M&A, Director’s NRIC and/or Passport, Last 2 years’ Financial Statement / Management Accounts

About Xero

Xero is world-leading online accounting software built for small business.

  • Get a real-time view of your cashflow. Log in anytime, anywhere on your Mac, PC, tablet or phone to get a real-time view of your cash flow. It’s small business accounting software that’s simple, smart and occasionally magical.
  • Run your business on the go. Use our mobile app to reconcile, send invoices, or create expense claims – from anywhere.
  • Get paid faster with online invoicing. Send online invoices to your customers – and get updated when they’re opened.
  • Reconcile in seconds. Xero imports and categorises your latest bank transactions. Just click ok to reconcile.

Find out more or try Xero Accounting Software for free.

Read about us in the press