Bolt - Product Page

Business financing
made simple

Obtain unsecured working capital between S$3,000 - S$100,000 to fuel your business.

  • Apply in 2 minutes

  • Disbursement as soon as 24 hours

  • Rates from 1% - 4% p/m

  • Tenor range from 1 - 12 months

  • No early repayment fees

  • Loan amount up to S$100,000

Have applied already? Check your application

FS Bolt - A simple financing solution to ease your business


2 minutes to apply. As soon as 2 hours for a decision. As soon as 24 hours1 for fund disbursement.


Our technology enables us to make decisions that are not based solely on personal credit scores.

Learn more about how it works

Easy Access

Use our web and mobile applications to apply, review and manage your loans.

No Hidden Fees

No early repayment fees. Reduced fees for repeat customers

Learn more about fees

How can FS Bolt financing help you increase your business?

Covering one off costs

Refurbishment costs

Inventory purchases

Expanding your business

Boosting cash flow

Urgent projects and opportunities

Am I eligible?

  • Singapore registered business entities including sole-proprietors
  • 6 months minimum operating history
  • Minimum 30% local shareholding

Financing in 4 Steps

Tailored for small and medium sized enterprises (SMEs), we make it easy to get back to business.

within minutes

Apply in minutes with no commitments. All we need is some basic information about your business for verification purposes.

financing offer

We will review your application and make a tentative offer based on different criteria within 24 hours. 1

E-sign contract and
receive funds

Receive funds in your business bank account after the loan is approved and you E-sign the contract.

No penalties for
early repayments

We also offer reduced service fees for repeat loans. 
Speak with us directly for more information.

Join our SME community

“Very fast. Very efficient. No frills. Just pay on time.”

Ryan Sim, Managing Director
We the People

Why not
check out our app?

FS Bolt leverages technology to make loan application a hassle free experience for SME owners.

4.1 out of 5
4.6 out of 5

We've got you covered

You can obtain lightning fast business financing through the simple, seamless and powerful FS Bolt. We also offer business term loans and invoice financing to serve your needs.

Check our other offerings

Frequently asked questions

Our unsecured loan offer has an interest rate range from 1% - 4% per month. An origination fee between 2% - 5% is applied in addition. There is no early repayment fee. Your offer is dependent upon the outcome of the underwriting assessment.

FS Capital is a registered legal entity offering financial solutions to local SMEs and FS Bolt is the mobile app we have developed for quick and easy application. Since direct lending to companies is not a licensed activity in Singapore, FS Bolt does not require a license.

In order to process an application quickly and efficiently, please provide the following documentation in your loan application:

  • Latest 6 months business bank statement with a cutoff date being 10th of the month. For example, if an application is made on the 10th of the month onwards, you will require last month’s bank statement.
  • Credit Bureau report for Guarantors (30 days validity)
  • Latest 2 years Notice of Assessment for Guarantors
  • An image of the front and the back of your NRIC card.


Note: if you are a sole proprietorship and do not use a business bank account, your 6 months personal bank statement is sufficient.

We do not offer personal loans currently.

For additional products offerings from Funding Societies, please refer to


Get the investor app

Get business financing under S$100,000

1 Terms & conditions apply

Funding Societies is the leading SME digital financing platform in Southeast Asia that enables SMEs to get greater access to short-term financing through business loans, trade finance and nano loans. We provide fast loan approvals for our customized financing options. Back by SoftBank Ventures Asia Corp. and Sequoia India, Funding Societies has helped to finance over S$1 billion business loans regionally, and is dedicated to the vision of funding underserved SMEs through enabling fair financial access and making a positive impact in society.

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

Funding Societies Pte. Ltd.
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FS Capital Pte. Ltd.
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