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Investment returns of

7.09%

(weighted average expected

rate of return in 2021*)

Short term investments

No more than

18 months

Invest from just

SGD20

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

Property-backed Secured Investment

Investment into a property-backed financing

Interest Rate
4% - 8% p.a.

invoice_financing_investment

Invoice Financing Investment

Investment into a invoice backed financing

Interest Rate
8% - 18% p.a.

revolving_credit_investment

Revolving Credit Investment

Investment into a revolving credit line granted to SMEs

Interest Rate
8% - 18% p.a.

business_term_investment

Business Term Investment

Investment into a business term financing

Interest Rate
8% - 18% p.a.

Learn more about our investment products here 

*Disclaimer

  • 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
  • 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

Fill In Your Information

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.

Start Debt Investment With Us Today

Here are a few reasons why you will love investing with Funding Societies

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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
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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.
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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 

Frequently asked questions
  • Is Funding Societies regulated in Singapore?

    Funding Societies Pte. Ltd. is a Capital Markets Services licensee regulated by the Monetary Authority of Singapore.

  • 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.

  • 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.

  • 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.

  • 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. 

  • 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.

fsblog-inv

 

Learn how to maximise your investments and minimise your risks.

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Minimise Your Risk

All investments bear risks. Diversification is one of the ways you can minimise your risk.

Learn more
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Maximising Investments

Reinvest using your capital gains to fund other SMEs while maximising your returns.

Learn more
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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

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

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

Services

Who we are

Media

Legal

Invest on the go via the Funding Societies app

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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