Validus Peer to Peer Lending (January 2026)
(Product review)

Product Review

Validus is one of Singapore’s leading Peer-to-Peer (P2P) lending platforms designed specifically to bridge the financing gap for local SMEs. By connecting accredited investors directly with small and medium-sized businesses, Validus offers a fast and flexible financing alternative to traditional bank loans.

The platform provides business loans with competitive monthly interest rates starting from 1.3% and loan amounts can go up to S$500,000. Validus P2P loans are tailored for SMEs with at least 3 years of incorporation and a minimum annual turnover of S$100,000, making it an ideal funding option for growing enterprises.

Singapore’s Favourite
Loan Marketplace

Up to 1% Cashback*

$100 Grocery Voucher*

Quick 5 Minutes Approval

How much do you want to borrow?

$50,000

$500,000

Over what period would you like to pay?

1 Month

60 Months

Your monthly payment

337

Compare Latest Offers

Rate Disclaimer*

Based on a $20,000 loan at 6.95% APR over 5 years, total repayable amount is $26,940 with $449 monthly payments. Your personal APR will be provided upon application completion. Loan terms available from 3 to 72 months. Maximum APR 8.88%.

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*Based on a $20,000 loan at 6.95% APR over 5 years, read more total repayable amount is $26,940 with $449 monthly payments. Your personal APR will be provided upon application completion. Loan terms available from 3 to 72 months. Maximum APR 8.88%. show less

The loan structure is straightforward with no annual fees, no lock-in periods and no penalty charges for early repayment. The absence of rigid collateral requirements enhances accessibility while the short-term tenures of up to 12 months are suitable for businesses seeking working capital, invoice financing or expansion support.

Each loan application is evaluated quickly and funds can be disbursed in a matter of days, allowing businesses to respond swiftly to operational needs. With an average monthly installment of S$21,300 for a S$100,000 loan over 5 months, borrowers can anticipate clear repayment schedules and predictable cash flow impacts.

Validus P2P loans offer transparency, competitive pricing and tailored lending for SMEs, making it a compelling alternative in Singapore’s fintech lending ecosystem.

Interest Rate
The loan offers a flat monthly interest rate of 1.3%, translating to a manageable repayment structure without hidden compounding costs. For example, a S$100,000 loan over 5 months results in a total interest of S$6,500.

Loan Amount
Businesses can access financing up to S$500,000, making it an ideal solution for various capital needs such as inventory purchase, operational expenses or project scaling.

Loan Tenure
The maximum loan tenure is 12 months with options for shorter durations such as 5 months, allowing SMEs to choose a repayment term that best matches their cash flow cycle

Minimum Requirements
Borrowers must have a minimum annual turnover of S$100,000 and at least 3 years of business incorporation, ensuring that the financing is targeted at stable, revenue-generating enterprises.

• Processing Fee (One-Time Deduction)
  Validus charges a processing fee ranging from 2.5% to 5% of the approved loan amount. This fee is deducted upfront and varies depending on the borrower’s creditworthiness and risk profile. For example, on a S$100,000 loan, the fee can range from S$2,500 to S$5,000.
• Annual Fee
  There is no annual maintenance fee charged throughout the loan tenure. This feature reduces long-term cost burdens and makes budgeting more straightforward for SMEs managing tight cash flows.
• Early Repayment Fee
  Borrowers can repay the loan early without incurring any penalty fees, giving them the flexibility to reduce interest costs if cash flow improves. This is especially useful for businesses that may secure incoming revenue sooner than expected.
• Late Payment Penalty
  Unlike many lenders that impose fixed or compounding charges on delayed repayments, Validus does not apply any specified penalty fees. However, timely repayment is still essential, as late payments may affect future borrowing eligibility and credibility on the platform.
• Lock-In Period
  There is no contractual lock-in period, allowing borrowers to exit the loan agreement early if needed without triggering contractual penalties.

• Business Age Requirement:
  Applicants must have a minimum of 3 years of incorporation. This ensures that only businesses with proven operational stability and performance are considered.
• Revenue Threshold
  A minimum annual turnover of S$100,000 is required. This benchmark helps ensure that the borrower has sufficient cash flow to support regular loan repayments.
• Business Entity Type
  The loan is open to Singapore-registered companies, including private limited companies and partnerships, provided they meet the incorporation and revenue criteria.
• Operational Activity
  Businesses must be actively trading with regular income, as validated through recent financial records and transactional data submitted during the application process.
• Credit Assessment
  Although no personal guarantee or collateral is generally required, the company’s credit history and financial health are still evaluated to determine loan terms and eligibility.