Updated July 14, 2025
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Terms & Conditions
Annual Interest Rate
Max Loan Amount
Processing Fee
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.
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 (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’s 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.
| Lender | Annual Interest Rate | Processing Fee | Annual Fee | Monthly Repayment |
|---|---|---|---|---|
| Anext | 7% | 1% or S$200 whichever is higher | $0 | $2,970.18 |
| DBS | 6% | 1% | no | $2,899.92 |
| Maybank | 7% | 1-2% | $2,970.18 | |
| OCBC | 7.5 % | 1-2% | no | $3,005.69 |
| Orix | 8.5 % | 1-2% | no | $3,077.48 |
| Ethoz | 9 % | 1.25% | One time off $1,500 Commitement Fee | $3,113.75 |
| Funding Societies | 9.6 % | 7% | $3,157.61 | |
| SCB | 10.88 % | 1-3% | $288 | $3,252.39 |
* Rates Updated 14 Jul 2025 - Loan Amount Example S$150,000 In 5 Years
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.
Start your loan application journey with our quick online application multistep form—it takes just 30 seconds to complete. Our advanced technology and expert loan specialists work together to match you with suitable options on our platform
Our team will reach out requesting the following necessary documents: company registration information, bank statements, financial reports and your IC/FIN details.
Our dedicated customer success team will carefully examine your application, contacting you if any additional information is required. Once we’ve verified your details, we’ll begin the process of matching you with appropriate lenders and loan options.
Compare loan offers in real-time through your application dashboard. Our customer success team is available to discuss loan details.
Once you’ve agreed on the loan terms and signed the contract, you’ll receive a copy of the agreement. This document will outline your monthly payment schedule. Your funds will then be disbursed either in cash or via bank transfer.
Flat interest rate of 1.3% per month makes cost projections straightforward and predictable for SME borrowers.
Eligible businesses can borrow up to S$500,000, supporting larger working capital needs or strategic expansions.
The loan structure includes zero annual fees and no lock-in period, offering greater financial flexibility without hidden long-term charges.
Borrowers can choose repayment periods up to 12 months, suitable for short-term funding without long-term obligations.
The upfront processing fee can be relatively high, especially for new or higher-risk applicants, reducing the net disbursed amount.
Only businesses with at least 3 years of incorporation and minimum turnover of S$100,000 qualify, excluding newer startups or micro-enterprises.
