Validus Capital SME Loan Review: Why You Should Apply

Validus Capital SME Loan Review: Why You Should Apply

A great platform that offers very competitive interest rates.

Good for

  • Businesses seeking financing with very low interest rates
  • Small businesses with a significant amount of invoices

Bad for

  • Businesses with less than 2 years operating history
  • Borrowers seeking business loans of more than S$2,000,000

Editor's Rating

4.5/5.0

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 is able to 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 that 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 most lenders.

Feature
Financing AmountS$5,000 - S$2,000,000
Average Interest Rates0.7% - 2.0% per month (8.7% - 26.8% p.a.)
Duration1 - 12 months
CollateralNone
Disbursal Fee1% - 2.5%

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, because other platforms and banks tend to have revenue requirements. Validus can be 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
Approval48 hours
Receive cash24 hours

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