SME Financing Marketplace: A new asset class

Attractive, high-yield returns up to 20%

Request for more information on how you could gain exposure to SME private credit and capitalise on this new investment opportunity.

Access a new asset class

Delivering a new asset class for high-yield returns up to 20% per annum

Diversify your portfolio

Spread your investment across multiple SMEs with different profiles to diversify your portfolio

Measured risk

Comprehensive analysis of invoices submitted by SMEs and anchored by corporate buyer

Learn why we have become the trusted marketplace lender in Southeast Asia

We've embraced and leveraged technology and data innovations to bypass traditional lending mechanisms, enabling lenders (investors) to lend directly to quality businesses. We've also forged strategic alliances to achieve scale through collaborative advantage, allowing us to transform the SME financing marketplace into a strategic investment opportunity.

Start earning today

Minimum commitment is 150M VND and you can start investing with 20M VND per loan. Choose how you spread risk at your own discretion.

Southeast Asia’s trusted SME growth financing platform

Total funded across all markets (VND)

3 Steps to Invest

Exclusive to accredited investors and institutions in Vietnam
  • 1


    You can register anytime online, simply create an account and upload the required documents. Validus will then perform the standard checks and notify you when your account is ready so you can start investing.

  • 2


    Transfer funds into your account and you can start investing by selecting in a group of quality SMEs who have been vetted by our proprietary risk algorithm and state of the art data technology.

  • 3


    Invest across multiple facilities to diversify your portfolio. Validus uses proprietary risk algorithms and deep learning iterative models to present you diversified investment choices.

Who can invest with Validus?

You can be an individual or business entity (with a Business tax ID in Vietnam) to be an investor with Validus. You must have a VND Vietnamese bank account as all transactions are in VND. Please contact our Investor Relations team ( for more information.

What’s the investing/lending process?

There are 4 steps to lending. 

Step 1: Create an account on Validus, select if you are an individual or business entity. 

Step 2: Verify your profile and company information (if you are registering as a business entity). 

Step 3: Once your account has been verified, you will receive a Virtual Account number. You must add funds to your Virtual Account in order to start investing on our platform. 

Step 4: Once funds are available, you may participate in live facilities after going through your own risk assessment. The minimum amount to start investing on our platform is 150 million VND and the minimum to invest per loan is 20 million VND.

What is the minimum investment amount?

The minimum amount to start investing on our platform is 150 million VND and the minimum to invest per loan is 20 million VND.

What's the minimum or maximum investment term?

Loan tenors are for typically for a period between 30 to 90 days for Invoice Financing and varies according to facilities and SMEs involved.

What fees do investors pay to Validius?

Investment fee will be changed from time to time and notify investors before each disbursement. Please contact our Investor Relations team for more details.

What interest rate will I receive?

Depending on portfolio diversification and the facilities invested in, typical net rate of return is from 12% per annum.

Is my money safe with Validus?

Validus does NOT use your money for its operations. A separate independent escrow account managed by our bank partner in Vietnam, holds investors’ monies. All SME repayments are paid into that account, and disbursals are done from there as well.

For other questions, please visit our FAQs page here.


Whether you are an individual or institutional investor, our Investor Relations team can help. Get in touch with us to learn more about investing in alternative lending.

Register your interest

Want to learn more about peer-to-peer lending? Complete the form below and we will be in touch with more information on how to start investing on our platform.
Does your personal income in the last 12 months exceed 250 million VND, OR does your net personal assets exceed 1 billion VND (or equivalent in foreign currency)?


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Hear from some of our investors

Validus SME financing marketplace allows me to balance my risk and rewards returns very effectively

Patricia Howe

Retired Investment Banker

In Validus SME financing marketplace, investors have access to another avenue to generate high-yield passive income.

Tiong Aun

Accredited Investor

Investing on the Validus SME financing marketplace has helped me to diversify my portfolio risk. It has allowed me to invest in a new asset class of SME credit, and enjoy above market returns, with an insurance cover

Michael Drake

CEO, Asia, Cognita Schools Group