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 Stand Out to SME Borrowers
- Who Can Borrow: Eligibility Criteria
- How to Apply: Application Process
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.
|Feature||Invoice Financing Loan||Working Capital Loan||Purchase Order Financing|
|Financing Amount||Up to S$1 million (Max. 90% of invoice value)||Up to S$150,000||Up to S$120,000 (Max. 60% of Purchase Order value)|
|Average Interest Rates||From 0.5% per month||From 8.3% per annum||From 0.8% per month|
|Duration||1 - 5 months||12 months||1 - 4 months|
|Disbursal Fee||0.5% - 1.5%||3% - 5%||0.8% - 1.75%|
|Approval||24 - 48 hours||24 hours||48 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.
|Operational History Required||2 years|
|Approval||24 to 48 hours|
|Receive cash||24 hours|