You may register to be an investor with Validus if you are an accredited investor as an individual or entity. You do not need to be a Singapore resident but we would need your documents for a KYC check done by Vistra – our escrow partners. Please contact our Investor Relations team (ir@validus.sg) for more information.

You are an accredited investor if your personal income in the last 12 months exceeds SGD300,000 (or equivalent in foreign currency), or if your net personal assets exceeds SGD2 million (or equivalent in foreign currency).

Register as an investor on Validus. Upon confirmation of your registration by Validus, commit and send funds that you wish to invest to the designated escrow account. See it pop up as ‘Available Funds’ on your investor dashboard on Validus. Use those ‘Available Funds’ to participate in live facilities after going through your own risk assessment.

Your total committed funds need to be at least SGD 50,000.

A flat 20% fee is charged on all returns (e.g. incomes, interest, charges and penalties received) made by an investor through the platform. This is payable each month to Validus and will be deducted before the amount due to you in accordance with the transaction document is reflected on your dashboard.

Investors on our platform can expect returns ranging from 8% to 15% p.a. (net IRR), depending on the facilities invested in. These rates could be even higher based on the risk-adjusted pricing of the facility. We suggest that you factor in some amount of delay or default risks to arrive at a risk-adjusted return for your portfolio.

Yes. Validus does not use your money for its operations. A separate independent escrow account managed by escrow provider Vistra, holds investors’ monies. All SME repayments are paid into that account, and disbursals are done from there as well.