Validus 19

Invest in Validus, a fast-growing financial institution in Indonesia that supports local entrepreneurs. Earn a 6% return with a short-term loan of 12 months.

funding gap emerging markets
Validus
Company
Indonesia
Country

The project

As a fintech lender, Validus supports small and medium-sized enterprises in Southeast Asia with affordable loans. Validus is growing quickly and recently raised €20 million for further expansion.
 

Validus on Lendahand

  • Active on Lendahand since: July 2022
  • Total raised: €3,387,040
  • Already repaid: €2,608,342
  • Interest disbursed: €157,306
  • Payments on time: 24 out of 24 (100%)
     

The loan

  • Annual interest rate: 6%
  • Return: 6%. With an investment of €1,000, the expected total repayment is €1,060.
  • Term: 12 months
  • Grace period: 12 months. You will receive the full repayment after 12 months. Interest is paid after 6 and 12 months.
  • Currency: Dollar. Please note that although you invest in euros, the loan is in dollars, so there is a risk of exchange rate fluctuations between dollars and euros. Visit our page on exchange rate risks for more information.
     

Total impact of Validus through Lendahand

  • Number of loans received by SMEs through Lendahand: 30
  • Percentage of female borrowers: 21.5%
  • Average SME loan amount: €114,009
     

About Validus

  • Founded: 2015
  • Employees: 297
  • Outstanding loans: €240.683.243
  • Active borrowers: 2,111
     

Nelly’s story

Nelly runs a family business that has been distributing non-alcoholic beverages and mineral water to intermediaries in southern Jakarta since 1997. She supplies various brands that her customers use to stock local stores.

With your investment through Validus, Nelly can further expand her business. Validus concretely helps her by guaranteeing her loan payments; they cover her invoices first, allowing Nelly to repay them later. This gives her the flexibility to make timely payments to her suppliers without straining her cash flow. This loan supports her ambition to grow and offer better service.

Thanks to the collaboration with Validus, Nelly has managed her finances more efficiently, leading to a more stable operation. This has allowed her to expand her team from 20 to 50 employees and provide them with a stable income.

 

Validus

CEO
Nikhilesh Goel
Founded
2015-01-01
Location
Singapore
Sector
Distribution and Processing
Turnover
€2,500,000
Employees
297
€100,000raised
Fully funded in 11 days on 17 October 2024.
435investors
Invest in microfinance
€100,000converted to
USD
target
6.0
%
Interest
12
months
Maturity
6
months
Repayments
A
B+
C
D
E
Credit score

Impact

50
Lives improved

Validus aims to improve the lives of everyone connected to small and medium-sized enterprises (SMEs). This includes not only the business owners but also their customers, employees, and families. Since 2015, the digital lending platform has financed more than $3 billion for SMEs in Singapore, Indonesia, Vietnam, and Thailand. Entrepreneurs in Southeast Asia face a significant funding gap. In Indonesia alone, SMEs need around $160 billion to grow. Through its financial services, Validus helps bridge this gap and contributes to greater financial inclusion in the region.
 

SDGs impacted

With this project you are contributing to the following Sustainable Development Goals:

SDG 1 - No poverty

SDG 8 - Decent work and economic growth

Read more about the impact you can make through our platform and the SDGs on our impact page.
 

Related blog posts

Learn more about Validus in their introduction blog post here.