Access Working Capital Loans up to $150K in Singapore to Supercharge Your Business

Get access to credit designed to help your SME, new business or small business in Singapore 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.

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Benefits of working capital loans

A working capital loan is crucial for managing daily operational costs, ensuring steady cash flow during slower periods, seizing growth opportunities, and navigating unexpected emergencies. For new businesses and SMEs in Singapore, it also serves as a means to establish a positive credit history.

Boost your business’s liquidity with a working capital loan, enabling smooth operations and facilitating growth without disrupting your cash flow balance.

Access up to $150,000 without collateral

Through our innovative underwriting approach, we offer substantial unsecured working capital loans without requiring you to pledge any of your valuable assets.

Submit as little as 2 documents for credit assessment

Our streamlined credit assessment process requires minimal documentation, making working capital loan applications swift, easy, and hassle-free for your SME.

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

Our working capital loan solutions offer competitive and affordable interest rates, ensuring a cost-effective way for the financing of your business expansion or operational needs.

Fast loan approval and disbursement in 1 day

At Validus, we understand that business opportunities wait for no one so we strive to ensure that our working capital loan application process and approval decisions are fast and effortless.

Working capital loan eligibility requirements and facility fee

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

To apply for a working capital loan, applicants must meet the following criteria:

Eligibility Requirements Business registration: Incorporated in Singapore for at least 6 months

Business Ownership: At least 25% owned by Singaporean/Singapore PR

Documents required Please provide the most recent Credit Bureau Report (dated no more than one month ago) and your bank statements for the last six months.
Facility fee There are no fees associated with the application process. A disbursal fee will be charged along with the disbursal of your loan.

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?
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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
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Why choose a working capital loan from Validus?

Compared to Banks and other Financial Institutions, we typically require fewer documents from you to get started.

Loan approval outcome in as fast as 1 day

Affordable, short-term instalment loan

Transparent, simple fees

20% average revenue growth of SMEs with Validus

Frequently Asked Questions About Working Capital Loans in Singapore

Your new business, SME or small business is eligible for a working capital loan from Validus if it is a private limited company in Singapore that has been in operation for at least 6 months or if it is a sole proprietorship (owned by Singaporeans or PRs) that has been in operation for at least 18 months. Your business has to be incorporated in Singapore for at least 6 months and be at least 25% owned by a Singaporean/Singapore PR. The working capital 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 Month Bank Statements
  2. CBS of Guarantor(s)
  3. NOA (*only applicable for sole proprietorships)

The working capital loan interest rate for SMEs is determined based on several factors, such as your business’ creditworthiness, the loan amount, and the repayment period. At Validus, we offer affordable rates from as low as 1.3% per month, ensuring your business has access to the necessary funds without overburdening it financially.

Your monthly instalments will depend on the amount borrowed, the interest rate, and the tenor of your loan. Validus working capital loans follow a simple, fixed repayment schedule, so you can plan your cash flow and manage your expenses effectively while servicing your loan.

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

To apply for a working capital loan with Validus, 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.

The interest rate for a working capital loan in Singapore varies depending on various factors like the loan amount, loan tenor, and the risk profile of the business. However, at Validus, we strive to offer competitive rates that cater to your SME’s needs.

The application process for SME working capital loans at Validus is designed to be quick and efficient. After submitting as little as two necessary documents, our credit team reviews your funding application and notifies you within a day.

The choice of financing product depends on your business needs. Apart from our SME working capital loan, we also offer invoice financing, purchase order financing, business account, and corporate cards.

Each product serves different needs and stages of a business, ensuring you have access to the right financial resources at the right time.


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

It’s simpler and faster with Validus.

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All-in-one finance solutions for SMEs & startups

Working Capital Financing

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

Learn More

Invoice Financing

Get up to $1 million in financing and receive early payments on your customer invoices

Learn More

Purchase Order Financing

Get up to $300,000 for project costs and supplies with your customer’s purchase order

Learn More

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