Siam Validus operates a regulated Thai crowdfunding platform that matches SMEs with investors through AI‑driven, debt‑based securities (crowd‑bonds). Using its SV Score credit model and data analytics, the platform provides fast, collateral‑free financing for working‑capital, invoice, or distributor needs, while offering investors a transparent, risk‑graded portfolio of SME debt instruments.
Funding
Funding not disclosed
Founders
Product
Problem
Thai small and medium enterprises (SMEs) face a severe funding gap of over 1.3 trillion baht, with limited access to affordable capital and lengthy, collateral‑heavy loan processes. This constraint hampers liquidity, expansion, and overall competitiveness of the SME sector.
Solution
Siam Validus operates a regulated crowdfunding platform that connects Thai SMEs with investors through debt‑based securities (crowd‑bond offerings). The platform leverages AI‑driven credit scoring (SV Score) and data analytics to evaluate borrower risk quickly and transparently, enabling funding decisions within 48 hours. SMEs can raise working‑capital, invoice‑financing, or distributor‑financing without providing traditional collateral, choosing repayment terms from 1 month up to 12 months. Investors access a diversified pool of SME debt instruments, view real‑time performance dashboards, and select exposure based on the algorithmic risk rating. The service is approved by the Thai SEC, ensuring compliance and investor protection.
Target Audience
Primary users are Thai SMEs seeking short‑ to medium‑term financing for growth or liquidity, and accredited individual or institutional investors looking for debt‑crowdfunding opportunities with defined risk grades.
Features
- AI‑based SV Score that combines financial statements, tax filings, and trade data to generate a risk rating (A+, A, B+, B, C+, C)
- Multiple debt products: invoice financing, distributor financing, and general working‑capital loans with interest rates starting at 5 % per annum
- No collateral requirement; funding is secured through the platform’s credit assessment and escrow custody
- Fast onboarding: registration in under 15 minutes, approval within 48 hours, and fund disbursement in 3 business days
- Investor portal with real‑time dashboards, customizable risk filters, and automated repayment tracking
- Compliance with Thai SEC regulations for crowd‑debt offerings, including electronic KYC and secure e‑signatures
- Integration with SCG’s supply‑chain data for partner SMEs, enhancing credit assessment accuracy