Diversify your portfolio with a new asset class
Invest & receive interest returns by financing local SMEs
Funded over
S$1.7Bn
About Funding Societies
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, while providing a convenient and short-term fixed-income investment option to individuals and institutions.
CMS License No.: CMS100572
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
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.
Types of Investment Products

Property-backed Secured Investment
Investment into a property-backed financing
Interest Rate
4% - 8% p.a.

Invoice Financing Investment
Investment into a invoice backed financing
Interest Rate
8% - 18% p.a.

Revolving Credit Investment
Investment into a revolving credit line granted to SMEs
Interest Rate
8% - 18% p.a.

Business Term Investment
Investment into a business term financing
Interest Rate
8% - 18% p.a.
*Disclaimer
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Actual returns may be lower than the expected rates of return, and historical rates of returns may not reflect future returns. The Product type interest rates indicated above are derived from historical rates of returns and are exclusive of service fees
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Information accurate as of 29/03/2021
Investing in 4 Steps
Diversify your portfolio by investing into a unique asset class of local SME business financing
1
Register For An Account
Create an investor account in minutes and verify your email address.
2
Choose between signing up with Myinfo or fill in your information manually.
3
Deposit Money
Make an initial deposit of S$100 to activate your account.
4
Start Investing
Start participating in investment opportunities from just S$20.
Why Opt In as an Accredited Investor
Free upgrade to Gold tier in 2020
Dedicated Relationship Manager
Access to exclusive products
Higher deployment of funds
Manual injection of funds
Start Debt Investment With Us Today
Here are a few 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
If you have any questions, book an appointment with us at your time
of convenience and we'll reach out
Frequently asked questions
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Is Funding Societies regulated in Singapore?
Funding Societies Pte. Ltd. is a Capital Markets Services licensee regulated by the Monetary Authority of Singapore.
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Who can invest in Funding Societies?
We welcome individuals ranging from university students to high level executives and institutional investors such as fund management companies and family offices to invest on our platform. Do note that investors have to be at least 21 years old and above.
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Can I invest if I am a foreigner?
We welcome both Singaporean & foreigner investors on our platform. The only difference is that we’ll require you to submit additional documents such as a copy of your passport or proof of residential address during your onboarding process.
Do note that the acceptance of foreigner investors are subjected to regulatory restrictions such as Anti-Money Laundering and Countering the Financing of Terrorism policies and other requirements from the regulatory bodies.
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Is there a minimum investment amount?
Investments on the platform starts at S$20 per note. This means that you’ll be able to start investing with just S$20.
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Does Funding Societies charge a service fee?
We do not charge a fee for setting up an account. However, we do charge a nominal fee of 18% of the interest earned to cover operational costs. This is inclusive of the prevailing GST.
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Are the interests earned taxable?
All returns on investments with Funding Societies in year 2020 and the subsequent years going forward are exempted from tax. This is only applicable for individual Singaporean tax residents, excluding any foreigner investors, institutional and corporate investors. Withholding tax is applicable for foreign residents.
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
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. 188, Spring Tower,
10th Floor, Phayathai Road,
Thung Phaya Thai Sub-district,
Ratchathewi District,
Bangkok, 10400
Vietnam
(+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
Who we are
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Singapore
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Indonesia
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Malaysia
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Thailand
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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
© 2025 Funding Societies Pte. Ltd., FS Capital Pte. Ltd., FS Technologies Pte. Ltd. and CardUp Pte. Ltd. All rights reserved