Debt Investment

Invest & receive interest returns
by financing local SMEs

Invest Now

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.

Types of Investment Products

Guaranteed Property-backed Investment

Investment into a property-backed financing with repayments effectively guaranteed

Interest Rate

3% - 8% p.a.

Learn more

Guaranteed Returns Investment

Investment into a micro financing with repayments effectively guaranteed

Interest Rate

2% - 8% p.a.

Learn more

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.

Learn more about our investment products here


  • 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

Register For
An Account

Create an investor account in minutes and verify your email address.

Fill In
Your Information

Choose between signing up with Myinfo or fill in your information manually.

Deposit Money

Make an initial deposit of S$100 to activate your account.

Start Investing

Start participating in investment opportunities from just S$20.

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 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.

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

Frequently Asked Questions


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


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.


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.


Investments on the platform starts at S$20 per note. This means that you’ll be able to start investing with just S$20.


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. 


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 

Funding Societies Blog

Learn how to maximise your investments and minimise your risks.

Minimise Your Risk

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

Learn More

Maximising Investments

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

Learn More

Get started with our
investor app

Get started with our
investor app


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.