Validus SME Business Loan Referral Code: VALIDUSSGRP (Referral Promotion)

Get access to credit designed to help your small business grow faster.

Use the referral code: VALIDUSSGRP to apply for a business loan with Validus, and receive $218 upon approval. Terms and conditions apply.

Contact Validus at +65 9146 9375 to get started.

Note: Remember to indicate the referral code in your message for Validus to process the referral benefit.


The business loan funds, as well as the referral benefits, will be disbursed into a Validus Business Account.

Scenario A (applying for a Validus Business Loan after opening a Validus Business Account):

  • your company receives referral benefits for both Validus Business Loan and Validus Business Account

Scenario B (applying for a Validus Business Loan without a Validus Business Account):

  • your company only receives referral benefits for Validus Business Loan
  • a Validus Business Account will be created for your company at the same time

Learn more about the totally FREE Validus Business Account at its referral post.

Table of Contents

About Validus

Our goal is simple: we’re here to empower small businesses like yours with better, more competitive financial products and services, so you can thrive and deliver big impact as engines of growth for our society and communities.

Founded in 2015, Validus is Singapore’s largest SME financing platform for small businesses and accredited investors. By using data analytics and AI to avail growth financing to underserved SMEs, Validus looks to drive inclusive growth for SMEs and economies in the ASEAN region.

Validus holds a CMS licence by the Monetary Authority of Singapore and also has a presence in Indonesia, Thailand, and Vietnam.


Singapore’s #1 SME financing platform and Winner of MAS FinTech Awards 2020 (Singapore Financial Institution).

Validus awards

MAS license

Validus Capital Pte Ltd (UEN 201530032R) is licensed by the Monetary Authority of Singapore with a full Capital Markets Services license.

Validus Loan Products

Validus has disbursed over SGD 3 billion in funds to SMEs

Validus currently offers three types of financing. Check out the official product pages:

What is the difference between PO Financing and Invoice Financing?

Invoice Financing is used after a business sells goods or services. PO Financing, available only to businesses that sell tangible goods, is used before selling anything.

Working Capital Loan

Faster working capital, Faster growth

Features of Validus Working Capital Loan:

  • acccess up to $150,000 without collateral
  • submit as little as 2 documents for credit assessment
  • affordable rates from as low as 1.3% p.m.
  • fast approval and disbursement in 1 day


  • Singapore-registered Private Limited Company that is at least 6 months old
  • Singapore-registered Sole Proprietorship (owned by Singaporeans or PRs) that is at least 18 months old

Invoice Financing

Invoice financing allows businesses to get paid early and receive up to 90% (up to $1 million) of your invoice amount, to bridge or increase cash flow that might otherwise be trapped in unpaid invoices due to payment terms or delayed payments.

It is an affordable, cashflow-friendly solution for SMEs who require a capital injection for a short period of time.

Features of Validus Invoice Financing:

  • Loan approval outcome in as fast as 1 day
  • Attractive interest rates from as low as 0.7% per month
  • Transparent, simple fees


  • Singapore-registered private limited company
  • registered on ACRA
  • in operations for at least 2 years

Purchase Order Financing

With Purchase Order Financing, businesses can generate immediate cash flow (up to 60% of Purchase Order amount) to fund project overheads, and make upfront purchases, without any collateral required.

Features of Purchase Order Financing:

  • Loan approval outcome in as fast as 1 day
  • Affordable rates from as low as 1.2% per month
  • Simple and transparent fees


  • Singapore-registered private limited company
  • registered on ACRA
  • in operations for at least 2 years
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