Faster working capital, Faster growth

Get access to credit designed to help your small business grow faster.

Seize growth opportunities and fund project overheads with an affordable working capital loan that is easier to apply for – and approved in as fast as one day.

Apply Now

Benefits of working capital loan

Access up to $150,000 without collateral

Submit as little as 2 documents for credit assessment

Affordable rates from as low as 1.3% p.m.

Fast approval and disbursement in 1 day

Your Singapore-registered Business is Eligible for a loan if your business is:

  • A Private Limited Company that is at least 6 months old
  • A Sole Proprietorship that is at least 18 months old

Estimate your total repayment and interest

Adjust the sliders below to see your estimated figures. Get in touch for a customised quote.

How much would you like to borrow?
Interest Rate (%) per month
Repayment Tenor (in months)
1 month
12 months

Calculations are based on the information entered by you, and are estimates for informational purposes only. It does not constitute a loan application or an offer of finance. Any finance or loan request is subject to assessment against Validus Capital’s lending criteria and terms and conditions. Full Terms and Conditions are available on application. Please note that the amount and rates will vary based on the type of loan product, and your qualifications as a business borrower. For exact rates, get in touch with us and we will provide a quick answer when you apply.

Loan Amount
Interest Rate
Total Interest
Total Repayment

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.

Loan approval outcome in as fast as 1 day

Affordable, short-term installment loan

Transparent, simple fees

20% average revenue growth of SMEs with Validus

Frequently Asked Questions

We finance Singapore private limited companies that have been in operation for at least 6 months, and sole proprietorships (owned by Singaporeans or PRs) that have been in operation for at least 18 months.

The loan approval outcome will depend on the assessment of our credit and risk teams.

To apply for a working capital loan, you are required to submit a minimum of 2 documents* for credit assessment:

  • 1) Latest 6 Months Bank Statements
  • 2) CBS of Guarantor(s)
  • 3) NOA (*only applicable for sole proprietorships)

You may borrow up to SGD 150,000 for a working capital loan. Loan amount, interest rates and disbursement fee for any finance or loan request may vary and is subject to assessment by Validus Capital.

Simply get in touch with us with the form above or self-register online on our platform within minutes. Once your application has been approved and the documents verified by our credit team, your financing request will be crowdfunded by our lenders and the funds will be disbursed to your nominated account within 24 hours. 


Get up to $150k in one day with as little as two documents

It’s simpler and faster with Validus.

Apply Now WhatsApp Us

All-in-one finance solutions for SMEs & startups

Business Account

Enjoy upsized time and cost savings with our all-in-one Validus Business Account for business finances

Learn More

Working Capital Financing

Get up to $150,000 in one day, with just two documents

Learn More

Corporate Cards

Issue unlimited corporate cards and empower your employees to spend anytime, anywhere

Learn More

Invoice Financing

Receive payment earlier on your customer invoices and enjoy peace of mind

Learn More

Money Transfer

Enjoy unlimited free transfers when you make FAST and PayNow transfers to suppliers, customers and employees

Learn More

Purchase Order Financing

Receive funds for project overheads and supplies with your customer’s purchase order

Learn More

Expense Management

Set, track, manage and get an overview of team budgets and expenses – anytime, anywhere

Learn More

Thank you for your getting in touch, we will reach out within 2 business days.