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Validus Capital SME Loan Review: Why You Should Apply

A great platform that offers very competitive interest rates.

Validus Capital SME Loan Review: Why You Should Apply

A great platform that offers very competitive interest rates.


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  • Low interest rates
  • Good for SMEs with significant invoice volume


  • 2 year operational history requirement
  • Not the best for borrowers seeking a loan of more than S$2,000,000

Validus Capital is an excellent source of small business funding ranging from invoicing financing to working capital loans. The platform is unique in that it offers lower rates to returning borrowers with good repayment histories. It also offers very competitive rates and very fast cash disbursement.

Summary of Validus Capital Lending Platform
Very competitive interest rates
Discounted rates for borrowers with strong repayment histories with Validus
90% of businesses receive funding within 48 hours of application
2 years operating history required, no revenue requirement

Table of Contents

What Makes Validus Capital Stand Out to SME Borrowers

Validus offers competitive interest rates on a range of small business financing products, including working capital loans, invoice financing and purchase order loans. The platform stands out from its competitors due to the preferred rates that it offers to businesses that have a good repayment history with Validus. The platform can offer very competitive rates due to its investor base that consists primarily of institutional investors. Additionally, Validus charges a lower cash disbursal fee, of 1% to 2.5%, than other platforms that tend to charge 3% to 5%.

Validus does require businesses to have at least 2 years of operational history, which is stricter than other crowdfunding platforms. However, Validus does not have a revenue requirement, unlike most lenders.

FeatureInvoice Financing LoanWorking Capital LoanPurchase Order Financing
Financing AmountUp to S$1 million (Max. 90% of invoice value)Up to S$150,000Up to S$120,000 (Max. 60% of Purchase Order value)
Average Interest RatesFrom 0.5% per monthFrom 8.3% per annumFrom 0.8% per month
Duration1 - 5 months12 months1 - 4 months
Disbursal Fee0.5% - 1.5%3% - 5%0.8% - 1.75%
Approval24 - 48 hours24 hours48 hours

Who Can Borrow: Eligibility Criteria

Borrowers seeking business loans or invoice financing must have operational histories of at least two years. This makes it less appealing to very young companies. However, other platforms and banks tend to have revenue requirements, making Validus a good option for companies that do not yet generate a lot of revenue.

  • Operating history of at least 2 years
  • ACRA-Registered Limited Liability Partnership (LLP)
  • Account with Singapore bank

How to Apply: Application Process

Businesses can apply for funding through Validus by clicking the "Apply now" button on this page. The approval process takes up to 48 hours and following approval cash is disbursed within 24 hours. That being said, 90% of businesses that are successfully registered with Validus receive funding within 48 hours of their application.

Application Details
Operational History Required2 years
Revenue RequirementNone
Application FeeNone
Approval24 to 48 hours
Receive cash24 hours

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Stephen Lee

Stephen Lee is a Senior Research Analyst at ValueChampion, specializing in insurance. He holds a Bachelor of Arts degree in International Studies from the University of Washington, and his prior work experience include risk management and underwriting for professional liability and specialty insurance at Victor Insurance. Additionally, Stephen is a former US Peace Corps Volunteer in Myanmar (serving between 2018-2020), where he continues to provide business development consulting services to HR companies in Asia Pacific.