Exclusively with CardUp

Short term investments

No more than

18 months

Invest from just


What is Debt Investment?

Debt Investing is an investment concept where individuals & institutions jointly invest in financing to SMEs and earn returns in the form of interests. The debt investment platform connects SMEs sourcing for business financing directly with investors who are looking to participate in this asset class as part of their investment portfolio. With over S$2 billion in business financing funded regionally till date, Funding Societies is the largest debt investment platform in the region.

Need to know:

  1. From now till 31st December 2022

  2. Activate your account by making your 1st deposit of S$200

  3. Make your 1st investment of a minimum amount of S$200

  4. We'll deposit the cashback into your escrow account after the campaign ends

  5. $50 reward limited to the first 20 investors that have fulfilled all the stated criteria and $30 rewarded to subsequent investors

Our Awards & Recognition

ASEAN Startup Awards - Regional Winners LOGO

Trusted by SMEs and Investors Across Southeast Asia

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

SME, Tang Peng Koon
New & Novel Engineering

”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.”

SME, Marie Ang
Founder and CEO, Solomon’s Guild

“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.”

SME, Terence Ho
Founder & Managing Partner, IncuBaker Cafe & Studio

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

Investor, Lau Tian Wei
Co-author of CapitalistLAD

Backed by

How investing with us works


Choose between investing manually or Auto Invest which will allow you to automate your funds deployment


To invest automatically, set up your Auto Invest bots for each investment product. Learn more here


Receive the fact sheet prior to each debt investment deal to review the financing terms


Not keen on that particular deal but you got auto invested? Have the option to opt out before the debt investment start time


Depending on the product you invest into, you’ll receive monthly repayments including interest, but minus the service fee


Invest wherever you are with our desktop and mobile app, available on both iOS & Android

Start investing with us today

Here are some reasons why you will love investing with
Funding Societies

Low Barrier to Entry

  • We make the concept of Debt Investing easy for you to understand

  • Investment starts from S$20

  • Ability to re-invest quickly with monthly repayment for most products

  • Tenors of up to 18 months only

Looking out to protect your interests

  • We are the first platform in Singapore to engage an escrow agency to manage investors’ money to give our investors peace of mind.

  • We advocate ‘Skin in The Game’ philosophy by investing into the notes put up on our platform alongside our investors. We are in this with you.

  • Singaporean retail investors can enjoy tax exemption on the interest returns from year 2020 onward.

Seamless investor experience

  • Myinfo - Sign up via Myinfo for a seamless experience

  • Mobile app - Invest and review your portfolio anytime, anywhere with our investor mobile app.

  • Auto Invest - Set up Auto Invest bots and let the system automatically deploy funds for you based on your investment preferences.

Get started with our
investor app

Get started with our
investor app

Terms & conditions:

* Please note actual returns may be lower than the expected rates of return, and historical rates of returns may not reflect future returns. Also, note that the calculation of the weighted average Rate of Return includes pro-rated principal repayment of ongoing bullet loans (of which the one-time principal repayment is not expected within the year).


Pemberi Dana
+62 877 7126 5290

Penerima Dana
+62 877 7873 6144

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


General Enquiries:
+65 6221 0958

Sales Enquiries:
+65 6011 7534

112 Robinson Road
Level 8
Singapore 068902


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


SME Loan
+66 93 139 9721

+66 62 197 8661

No. 188, Spring Tower,
10th Floor, Phayathai Road,
Thung Phaya Thai Sub-district,
Ratchathewi District,
Bangkok, 10400


(+84) 28 7109 7896

The Sentry P
16 Nguyen Dang Giai Street,
Thao Dien Ward, Thu Duc City,
Ho Chi Minh City, Vietnam

174 Thai Ha Street,
Trung Liet Ward, Dong Da District,
Hanoi, Vietnam

lockSSL Secure Site

Invest on the go via the Funding Societies app

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. and FS Capital 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

© 2023 Funding Societies Pte. Ltd. & FS Capital Pte. Ltd. All rights reserved.