Financial room for the next move

Working capital, when your business needs it.

Business expenses do not always wait for customer payments. Working capital financing can help you cover costs today while keeping cash available for what comes next.

Inventory and stock Supplier payments Payroll and operating costs

When timing creates a cash-flow gap

1
An opportunity comes inA new project, larger order or bulk purchase
2
Costs are due firstSuppliers, stock and manpower must be paid
3
Revenue arrives laterCustomer payment follows after delivery

Working capital can give the business room to act without tying up all of its available cash.

100,000+SMEs served regionally
>US$5BDisbursed across Southeast Asia
4.5 out of 5Google rating from 283 reviews

When working capital helps

When business is moving, cash flow needs to keep up.

Cash does not always come in at the same time it needs to go out. Customer payments may arrive later, while suppliers, employees and operating expenses still need to be paid today. Working capital financing can help bridge that timing difference, so you can keep the business moving without tying up all of your available cash.

1

Take on a new order

Purchase stock, materials or supplies before your customer pays.

2

Start a new project

Supplier payments and upfront costs may be due before revenue comes in.

3

Prepare for peak demand

Build up inventory, manpower or operating cash ahead of a busy period.

4

Manage unplanned costs costs

Handle additional costs without tying up cash needed for everyday operations.

The goal is not simply to have more cash. It is to give your business room to act when timing matters.

Why Funding Societies

A financing partner you can assess with confidence.

Choosing a financing provider is about more than access to capital.
Track record, customer experience and credibility matter too.

1

ESG-recognised financial institution

Regional recognition for work in sustainable and responsible finance, financial inclusion and support for SMEs.

2

Established regional presence

Working with more than 100,000 SMEs and over US$5 billion disbursed across Southeast Asia.

3

Recommended by customers

4.5-star Google rating from 283 reviews, highlighting responsive support, clear communication and a smooth process.

         Selected recognition Asian Banking & Finance Fintech Awards 2026 - SME Solution Award Singapore Business Review Technology Excellence Awards 2026

How SMEs have used working capital

Real business needs. Practical breathing room.

See how other SMEs have used financing to manage timing gaps, cover upfront costs and move business plans forward.

Fund a project
Start-Up Financing
“The loans actually helped us to launch our new products”

Shasha MalikDirector · Hadia SG

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Bridge upfront costs
Trade Term Loan
“We needed the funding to pay for materials before we can start on any projects”
Khairoman Borhan
Director · Seateam FMC

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Manage cashflow
Start-Up Financing
“It was bonus season, so we were trying to really get more cash in the bank just to pay out.”
Bryan Zhao & Matthew PhuaFounding Partners · Harvest Accounting

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A conversation, not a commitment

Not sure whether financing fits your business?

Speak with our team about your business needs, the options available and any questions you may have before deciding whether financing is right for you.