What is Funding Societies and how large is the platform?

Funding Societies is Southeast Asia's largest SME digital financing platform. Founded in 2015, we have facilitated over S$2 billion in business loans regionally, serving SMEs across 5 countries with our mission to uplift societies by creating financial opportunities for everyone.

How fast can I get approved for a business loan with Funding Societies?

Our Micro Loans can be approved in as quick as 24 hours. We pride ourselves on speed and flexibility, with simple application processes and fast fund disbursement for urgent business financing needs across all our loan products.

What countries and markets does Funding Societies operate in?

Funding Societies operates across 5 Southeast Asian countries: Singapore, Indonesia (as Modalku), Malaysia, Thailand, and Vietnam. We have local offices, regulatory licenses, and dedicated customer service teams in each market we serve.

What types of business financing products do you offer?

We offer 7 comprehensive financing products: Start-Up Financing (Beta) for young companies, Micro Loans, Business Term Financing with 36-month options, Revolving Credit Line, Accounts Payable Financing, Accounts Receivable Financing, and Property Backed Secured Financing. Each product targets different business needs and growth stages.

Who are the investors backing Funding Societies?

Funding Societies is backed by prominent global investors including SoftBank Ventures Asia Corp, Sequoia India, Alpha JWC Ventures, BRI Ventures, Qualgro, SGInnovate, Golden Gate Ventures, and Endeavor. This institutional backing demonstrates strong confidence in our platform and regional expansion.

How can I invest with Funding Societies and what are the returns?

You can start investing with as little as S$20 through our debt investment platform. We offer short investment tenors of 1-12 months with periodic repayments. Historical returns average 7.28% (Singapore weighted average in 2020), with over 25,000+ registered investors in Singapore.

What licenses and regulations does Funding Societies operate under?

Funding Societies operates under multiple regulatory frameworks. Our Singapore entities hold CMS License No.: CMS100572 and Major Payment Institution License No.: PS20200484. We maintain full regulatory compliance across all 5 Southeast Asian markets we serve.

We are Southeast Asia’s largest SME digital financing and debt investment platform. We specialise in short-term financing for SMEs, funded by individual and institutional investors.

Launched in 2015, our mission is to uplift societies in Southeast Asia by creating financial opportunities for everyone. As SMEs are the backbone of our economies, we are committed to solving the SME financing gap in the region by providing accessible and reliable business financing to individuals and institutions.

Disbursed

Loans Processed

SMEs Supported

Operating Years

Why Businesses Choose Us

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Fast, Hassle-Free Business Financing

Get business funds disbursed quickly - with simple application, fast approvals, and no collateral required for most loans.

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Tech-Driven, Client-Centered

We combine tech efficiency with responsive support to help SMEs navigate their financing journey with confidence.

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Trusted & Recognised

Recognised by regional regulators and industry bodies for our commitment to SME financing excellence.

Explore Our Working Capital Loans

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Elevate helps businesses manage cash, financing, and payments — built by Funding Societies and CardUp.

Businesses simply sign up, choose their financing, and share necessary details securely.

Start-Up Financing

Get short-term funding with 0% interest on timely repayments. Stay flexible while easing your cash flow needs.

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Product of FS Capital Pte Ltd

Micro Loans

Access up to $150,000 quickly with disbursement in 24 hours. ideal for urgent and everyday business needs.

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Product of FS Capital Pte Ltd

Business Term Loan

Unsecured loans up to S$1 million with tenures of up to 36 months. Ideal for major purchases, or working capital.

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Product of FS Capital Pte Ltd

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Financing That Scales With Your Business

Accounts Payable Financing

Free up cash flow by extending supplier payments. Gain flexibility with longer credit terms to keep operations smooth.

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Product of FS Capital Pte. Ltd.

Accounts Receivable Financing

Unlock cash tied up in invoices with upfront payment. Keep your business moving without waiting for payments.

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Product of FS Capital Pte. Ltd.

Property Backed Secured Financing

Convert property value into cash with financing up to 80% of valuation. Longer tenures and competitive rates.

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Product of FS Capital Pte. Ltd.

Explore our full range of SME financing solutions here.

Trusted by SMEs and Investors Across Southeast Asia

I used the first loan funds to pay our suppliers and execute a project . . . The return on this business investment is not just monetary, but also has an impact on society.

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Marie Ang

Founder and CEO | Solomon’s Guild

The application was approved very fast, and the funds came in time. The project I had in-hand was enabled by the funds.

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Tang Peng Koon

Managing Director | New & Novel Engineering

Funding Societies represents flexibility and speed. Their quick, responsive service helped us bridge cash flow gaps and focus on long-term opportunities — qualities that made us return time and again for our financing needs.

Venugopal Sankar

Director | Global Engineering Pte Ltd

We had a purchase order, but we needed the funds upfront. The problem was we were a new company... Funding Societies was able to bridge that gap for us.

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Terence Ho

Founder & Managing Partner | IncuBaker Cafe & Studio

As a small company with limited options, Funding Societies gave us the financial breathing room to focus on building the business. Turnaround time? One day. Sign me up.

Murugaiyan Selvam

Director | Vyas Engineering Pte Ltd

Funding Societies gives me an unconventional yet effective way to diversify my portfolio.

Lau Tian Wei

Investor | Co-author of CapitalistLAD

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Business Financing FAQs

What is a business loan?

Business loans are financial products typically offered to SMEs (small and medium-sized enterprises) to support their business activities and growth.
Why are business loans important?

Business loans provide SMEs with the capital they need to cover various business expenses like expansion, marketing, and managing cash flow gaps. There are also several advantages that a business loan has over traditional banking loans including flexible payment schedules and terms, looser eligibility criteria, potentially lower interest rates, and faster approval times.
What can I use a business loan for?
Business loans can be used for specific needs such as buying inventory, upgrading equipment, expanding into new markets, or covering day-to-day operating costs.

Choosing the right financial solution for your business will depend on your needs and goals. Remember to carefully consider your financial situation when deciding which SME loan is the suitable loan option for your business.

There are various types of business loans, each catering to specific needs. Some common types include:

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Indonesia

Pemberi Dana
layanan@modalku.co.id
+62 877 7126 5290

Penerima Dana
info@modalku.co.id
+62 877 7873 6144

Unifam Tower, Jl. Panjang Raya
Blok A3 No.1, Kedoya Utara,
Kebon Jeruk, Jakarta Barat,
DKI Jakarta, 11520, Indonesia

Singapore

info@fundingsocieties.com
General Enquiries:
+65 6221 0958

Sales Enquiries:
+65 6011 7534

WhatsApp:
+65 3105 2564

108 Robinson Road
#06-01
Singapore 068900

Malaysia

info@fundingsocieties.com.my
Primary contact
+603 9212 0208

Secondary contact
+603 2202 1013

Unit 15.01 & Unit 15.02,
Level 15, Mercu 3,
KL Eco City, Jalan Bangsar,
59200 Kuala Lumpur

Thailand

SME Loan
info@fundingsocieties.co.th
+66 93 139 9721

Investment
invest@fundingsocieties.co.th
+66 62 197 8661

No. 29, Vanissa Building,
24th Floor, Room No. 2412 & 2414, Soi Chidlom,
Ploenchit Road,
Lumpini, Pathumwan,
Bangkok, 10330

Vietnam

info@fundingsocieties.vn

(+84) 28 7109 7896

The Sarus Building

67 Nguyen Thi Minh Khai,

Ben Thanh Ward,District 1,

Ho Chi Minh City, Vietnam

Dreamplex

174 Thai Ha Street,

Trung Liet Ward,

Dong Da District,

Hanoi, Vietnam

Funding Societies is Southeast Asia's leading SME digital financing platform. We specialise in all forms of short-term financing for SMEs, funded by individual and institutional investors. We pride ourselves in speed and flexibility, offering the widest range of term loan, trade finance and micro loan products. Backed by SoftBank Ventures Asia Corp and Sequoia India, amongst many others, Funding Societies has helped to finance over S$2 billion in business loans regionally. We are dedicated to the vision of enabling SMEs through equitable financial access, ultimately making a positive impact for our societies in Southeast Asia.

Funding Societies Pte. Ltd., FS Capital Pte. Ltd., FS Technologies Pte. Ltd. and CardUp Pte. Ltd. are part of the Funding Societies Brand.

Funding Societies Pte. Ltd.
Business Registration No.: 201505169M | CMS License No.: CMS100572

FS Capital Pte. Ltd.
Business Registration No.: 201631787R

FS Technologies Pte. Ltd.
Business Registration No.: 201935125G

CardUp Pte. Ltd.
Business Registration No.: 201536690R | Major Payment Institution License No.: PS20200484

Stronger SMEs
Stronger Societies

About Funding Societies

A Group-Wide Track Record You Can Trust