Short-term Business Loans for SMEs

We connect growing businesses with investors so you can get simple and fast financing with no collateral.
  • Fast approval within 2 business days
  • No collateral needed
  • Short-term financing, competitive rates
  • Minimal documents to apply
Get in touch

Business loans designed for growing SMEs

Helping your business maintain stable cash flow for sudden demand changes, additional expenses or for expansion when required.
Invoice Financing
Up to80%
of invoice amount
Optimise your accounts receivable to free up cash flow
30 - 120 days' repayment terms, based on invoice
Competitive interest rates, please contact us for more details
Distributor Financing
Up to50%
of purchase order amount
Get unsecured financing to pay your supplier
30 - 90 days' repayment terms, based on purchase order
Competitive interest rates, please contact us for more details



No collateral required


Loan appproval in 24- 48 hours


Easy online application

What our SMEs think about us

Many agricultural SMEs in Vietnam face financial challenge due to issues in getting loans from banks such as insufficient collateral, strict customer screening criteria from banks. Through working with Validus Vietnam, SMEs can obtain unsecured financing in time to grow and expand their businesses. Nafoods group have cooperated with Validus Vietnam to bring about short term unsecured financing program for SMEs suppliers of Nafoods Group to support their growth which in turn also support and ensure the supply chain of our Group.
Ông (Mr.) Nguyễn Mạnh Hùng Chairman and CEO of Nafoods Group JSC

Frequently Asked Questions about SME loans

What's the eligibility criteria?

You must be a registered business in Vietnam, have a Business tax ID, and preferably at least 2 (two) years of continuous operations in Vietnam.

What kind of loans can I get?

Validus offers Invoice Financing, typically up to 80% of the invoice value. We may offer other loan products in the future including Purchase Order Financing and Working Capital Financing.

How much funding can I get?

That will depend on your requirements, credit assessment and investor take-up on the facility. For Invoice Financing, you can typically get up to 80% of the invoice value up front.

What's the interest rate?

It can vary depending on the SME profile, credit analysis, type of facility, loan amount and tenure.

Please refer to our FAQs page if you have more questions.

Apply now for simple, fast financing

  • 1

    Check your eligibility

    Your business is eligible to apply if:
    ► You have a Vietnam business tax ID
    ► Have been operating for at least 2 years

  • 2

    Apply online with fewer docs

    Simply apply online and have these documents in soft copy for quick approval:
    ► Business registration
    ► Proof of legal representative (board resolution and/or company charter if applicable)
    ► Passport or CMND of legal representative and director(s)
    ► Valid business invoice (within the last 2 months)

  • 3

    Receive funds fast

    Once your application has been approved and the documents verified (typically within 2 business days), your financing request will be financed by our lenders and the funds will be disbursed to your nominated account within 1-2 business days.