Validus 40

Before a bottle of water or a bar of soap reaches a store shelf, it has already travelled a long way. Producers, transport companies, and distributors work together to make sure products arrive where they are needed. Validus finances entrepreneurs who help make essential goods available to consumers across Indonesia.

funding gap emerging markets
Validus
Company
Indonesia
Country

The project

Fast Moving Consumer Goods (FMCG) are products people use every day, such as food, water, and soap. Distributing these goods requires reliable networks, especially in a country like Indonesia, where thousands of islands make transportation and supply chains more complex.

Lie’s company, PT Rukun Mitra Sejati, plays an important role in this distribution network. The company supplies FMCG products to stores across Indonesia, including areas outside the major cities. To support further growth, the business needed additional working capital.

Through Validus, a financing platform that provides entrepreneurs in Southeast Asia with access to business loans, Lie received financing. This allowed the company to pay suppliers on time and open new branches.

Thanks to this growth, the company can supply more stores and serve an increasing number of regions. In 2022, the company employed around 2,400 people. Together, they who work every day to make sure essential products are available on store shelves across Indonesia.

Will you give entrepreneurs like Lie in Indonesia the opportunity to grow and reach more people?


Your investment

  • Annual interest rate: 6,5%
  • With an investment of €1,000, the expected total repayment is €1,065.
  • Maturity: 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.

Validus

CEO
Nikhilesh Goel
Founded
2015-01-01
Location
Singapore
Sector
Distribution and Processing
Turnover
$25,271,414
Employees
297
€75,000raised
Fully funded in 5 days on 25 May 2026.
256investors
€75,000loan is in
USD
target
6.5
%
Interest
12
months
Maturity
6
months
Repayments
A+
B
C
D
E
Credit score
USD
Growth financing

Impact

5
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.
 

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