Micro Loans

SME Loan
made effortless

Get unsecured working capital up to S$150,000 & receive funds in just 24 hours!

  • Apply quickly in less than 10mins

  • Loan disbursement in as quick as 24 hours

  • Available tenor options ranging up to 18 months

  • No additional fees for early repayment

  • Loan limit up to S$150,000

Apply Now

Have applied already? Check your application

A simple SME Loan solution to ease your business


2 minutes to apply. As soon as 2 hours for a decision. As soon as 24 hours for fund disbursement.


Our technology enables us to make decisions that are not based solely on personal credit scores.

Learn more about how it works

Easy Access

Use our web and mobile applications to apply, review and manage your loans.

No Hidden Fees

No early repayment fees.

Learn more about fees

How can a Micro Loan help your SME business?

Covering one off costs

Refurbishment costs

Inventory purchases

Expanding your business

Boosting cash flow

Urgent projects and opportunities

Am I eligible?

  • Singapore registered business entities
  • 6 months minimum operating history
  • Minimum 30% local shareholding

SME Micro Financing in 4 Steps

Tailored for small and medium-sized enterprises (SMEs), we make it easy to get back to business.

within minutes

Apply in 2 minutes with just your basic information. Minimum loan amount starts at S$10,000.

financing offer

We will review your application and make a tentative offer based on different criteria within 24 hours.

E-sign contract and
receive funds

Receive funds in your business bank account in as fast as 24 hours after the loan is approved and you E-sign the contract.

No penalties for
early repayments

We also offer reduced service fees for repeat loans. 
Speak with us directly for more information.

We've got you covered

Frequently asked questions

Micro Loans are small unsecured loans between $10,000 to $150,000 to fuel your SME business. These flexible, short-term loans can be a very useful alternative to larger business loans.

Fulfilled by FS Capital Pte. Ltd.

A Micro Loan operates by providing small-scale financial assistance to businesses, typically with relatively low loan amounts. These loans are often easier to qualify for than traditional bank loans and come with simplified application and approval processes. 

Borrowers receive a specific sum, which they must repay with interest over a predetermined period, usually in regular instalments. Micro Loans are commonly used for various purposes, including covering business expenses, purchasing equipment, or addressing SMEs other financial needs to grow their business, making it a valuable resource for those who require modest amounts of funding.

In order to process an application quickly and efficiently, please provide the following documentation in your loan application:

- Latest 6 months business bank statement with a cutoff date being 10th of the month. For example, if an application is made on the 10th of the month onwards, you will require last month’s bank statement.
- Credit Bureau report for Guarantors (30 days validity)
- Latest 2 years Notice of Assessment for Guarantors
- An image of the front and the back of your NRIC card.


We do not offer personal loans currently.

Depending on your needs and the nature of your loan, you could apply for a period/tenor of up to 18 months.

For additional product offerings from Funding Societies, please refer to https://fundingsocieties.com/sme-loans.

Funding Societies Blog

Learn more about micro loans today.

Micro Loans Big Impact

Learn More

Pros and Cons of Micro Loans

Learn More


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., 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

© 2024 Funding Societies Pte. Ltd., FS Capital Pte. Ltd., FS Technologies Pte. Ltd. and CardUp Pte. Ltd. All rights reserved