Ensure steady cashflow of up to S$300,000
Working Capital Loan by GXS Capital is a credit facility designed to help you with daily operational costs, seize growth opportunities and navigate unexpected emergencies.
Now serving Pte Ltd companies and Sole Proprietors
GXS Capital is a wholly owned subsidiary of GXS Bank
Now serving Pte Ltd companies and Sole Proprietors
Loan up to S$300,000 without any collateral.
No pledging of your valuable assets is required with our innovative underwriting methodology.
Affordable interest rates from 0.7% per month (EIR 8.74% p.a.)1.
Take care of your cashflow needs with competitive interest rates and big loan limits.
Minimal documentation required.
Our swift credit assessment process requires as little as 2 documents from you.
Fast & hassle-free.
Get your loan approved and disbursed in as fast as 1 working day.
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Now serving all Sole Proprietors and Pte. Ltd.
Got questions?
We got answers.
What are the eligibility criteria or requirements for Working Capital Loans?
Your new SME or small business may qualify for a working capital loan from GXS Capital if it meets the following criteria: it is a private limited company incorporated in Singapore and has been operating for at least 6 months, or it is a sole proprietorship owned by a Singaporean or PR that has been in operation for at least 12 months. The business must be incorporated in Singapore for at least 6 months and be at least 25% locally owned by a Singaporean or Singapore PR. Loan approval is subject to evaluation by our credit and risk teams.
What documents do I need to submit with my application?
To apply for a working capital loan, you are required to submit a minimum of 2 documents* for credit assessment:
- Latest 6 Month Bank Statements
- CBS - Credit Bureau Singapore of Guarantor(s)
- NOA - Notices of Assessment (*only applicable for sole proprietorships and single shareholders)
What are my monthly instalments for a working capital loan?
Your monthly instalments will depend on the amount borrowed, the interest rate, and the tenor of your loan. Validus working capital loans follow a simple, fixed repayment schedule, so you can plan your cash flow and manage your expenses effectively while servicing your loan.
How do I apply for a Working Capital Loan in Singapore? What is the process?
To apply for a working capital loan with GXS Capital, simply book a call with us and we will respond within 1 business day. Once your application has been approved and the documents verified by our credit team, your financing request will be disbursed to your nominated account within 24 hours.
How long does the Working Capital Loan application process take?
The application process for SME working capital loans at GXS Capital is designed to be quick and efficient. After submitting as little as two necessary documents, our credit team reviews your funding application and notifies you within one business day.
GXS Capital operates under the legal entity Validus Capital Pte. Ltd. (UEN 201530032R), which holds a Capital Markets Services license for dealing in Capital Markets Products which are securities, issued by the Monetary Authority of Singapore. Validus Capital Pte. Ltd. is a wholly-owned subsidiary of GXS Bank Pte. Ltd (UEN 202005626H).
1 Effective Interest Rate (EIR) is calculated based on an average loan amount of S$100,000 with a 36-month repayment period, from 1 Jan 2025 to 1 Jan 2028.
For Terms and Conditions, click here.
