Validus Capital review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.

Our verdict

Validus Capital suits Singapore SMEs that need working capital in a hurry and can pass a hard credit check. Its business line runs at 4.99% with 0 - no processing fees added, and approved money can be in the account in 4 minutes.

Key facts

Best for
A fixed-rate SME loan or credit line funded in 4 minutes with no processing fees.
APR
4.99% (Source, checked September 26, 2026)
Loan amount
SGD 1,000 to SGD 150,000 (Source, checked September 26, 2026)
Term
2 to 36 months (Source, checked September 26, 2026)
Arrangement fee
0 - no processing fees (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
4 minutes (Source, checked September 26, 2026)
Representative example
4.99% p.a. (EIR 9.32% p.a.) on an average loan of S$10,000 over 24 months (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
SMEs in Singapore; company details and residential address must be updated on ACRA and Singpass (Source, checked September 26, 2026)
Loan types
Business, Credit-line (Source, checked September 26, 2026)
Legal entity
Validus Capital Pte. Ltd. (Source, checked September 26, 2026)
Headquarters
Singapore (Source, checked September 26, 2026)
Founded
2015 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding, Credit line
Official website
validusgrp.com

Apps and profiles

Elsewhere
LinkedIn

Pros and cons

Pros

  • 0 - no processing fees on the business loan line.
  • Same-day funding, with money moving in 4 minutes.
  • Free early repayment, so an early payoff costs nothing extra.
  • One direct lender covers a revolving credit line and fixed rate term loans.

Cons

  • A hard credit check rules out thin credit files: hard.
  • Terms of 2 to 36 run short beside the business loan maximum of 360.
  • Support runs on email, phone and help centre only, with no live chat listed.
Validus Capital

Ready to try Validus Capital?

Scored 9.0 / 10 by BorrowCue.

See alternatives

Who it suits

  • SMEs in Singapore with company details and a residential address current on ACRA and Singpass.
  • Businesses that want a revolving credit line and term loans from one direct lender.
  • Borrowers who value 0 - no processing fees and can clear a balance early without a charge.

Who should look elsewhere

  • Plazo ES, whose 24.19% sits well above the 4.99% on this line.
  • Vivus ES, whose 0% to 3,752.4% makes the real cost harder to pin down than a single fixed rate.
  • Cashspace, whose PHP 12 to PHP 36 is quoted in another currency and does not line up with a Singapore facility.

How Validus Capital compares

Where Validus Capital is available

Available
Indonesia, Singapore, Thailand, Vietnam
Licence in Singapore
Monetary Authority of Singapore, checked September 26, 2026
Licence in Indonesia
OJK (Otoritas Jasa Keuangan), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much does a Validus Capital business loan cost?+

The business line is priced at 4.99% and carries 0 - no processing fees, so there is no arrangement or processing charge on top. The rate is fixed, which means the cost of the loan does not move with market rates while you hold it.

How much can I borrow and over what period?+

Borrowing runs SGD 1,000 to SGD 150,000 and terms run 2 to 36. You can take a term loan for a specific purpose or keep a revolving credit line open and draw against it as the business needs. Both sit under the same business offering.

How fast does the money arrive?+

Funding can complete in 4 minutes on the same-day track, which matters when a supplier invoice or payroll date lands before the cash does. Speed still rests on the credit check and on the company records being current.

What credit check is applied?+

The credit check is hard, so a full review runs instead of a soft prequalification, and a patchy filing history can stop an application. Businesses with steady trading and clean filings move through the review more easily.

Who regulates the lender?+

The lender is supervised in Singapore by the Monetary Authority of Singapore, and the legal entity behind the business line is Validus Capital Pte. Ltd.. It funds loans directly, so you deal with the company making the decision rather than a broker routing the application.

How does the headline rate compare with the effective rate?+

The published representative example pairs the 4.99% headline with a higher effective interest rate on a mid-sized loan, which is normal for a Singapore business facility. Compare offers on the effective figure, since that is what the loan really costs over its life.

Can I repay the loan early?+

Yes, early repayment is free, so clearing the balance ahead of the final instalment adds nothing to the cost. On a revolving credit line the facility remains available for later draws, which suits a business with uneven cash flow through the year.

How do I get help with the account?+

Support runs on email, phone and help centre, so a question can go by email or phone or be answered from the help centre. There is no live chat listed, which makes a call or an email the route for anything time sensitive.

Sources

  • validuscapital.sg checked September 26, 2026

    Backs: Legal entity, Licences

    “GXS Capital operates under the legal entity Validus Capital Pte. Ltd. (a wholly-owned subsidiary of GXS Bank)”

  • validuscapital.sg/flexiloan-biz checked September 26, 2026

    Backs: Loan amount, APR, Credit check, Eligibility, Features, Free early repayment, Funding time, Lender type, Loan types, Pricing model, Arrangement fee, Rate type, Representative example, Support channels, Term

    “Access to credit limit of up to S$150,000 ... Take a loan from S$1,000 whenever you need a cash boost”

  • validusgrp.com checked September 26, 2026

    Backs: Founded, Headquarters

    “Founded in 2015 to address the unmet financing needs of SMEs”

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Validus Capital

Validus Capital

A fixed-rate SME loan or credit line funded in 4 minutes with no processing fees.

9.0/10See alternatives

Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie policy
Cookie settings