Micro Loans

Business financing
made simple

Obtain unsecured working capital between S$3,000 - S$100,000 to fuel your business.

  • Apply in 2 minutes

  • Disbursement as soon as 24 hours

  • Rates from 1% - 4% p/m

  • Tenor range from 1 - 12 months

  • No early repayment fees

  • Loan amount up to S$100,000

Have applied already? Check your application

A simple financing solution to ease your business


2 minutes to apply. As soon as 2 hours for a decision. As soon as 24 hours¹ 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. Reduced fees for repeat customers

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 including sole-proprietors
  • 6 months minimum operating history
  • Minimum 30% local shareholding

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 minutes with no commitments. All we need is some basic information about your business for verification purposes.

financing offer

We will review your application and make a tentative offer based on different criteria within 24 hours. ¹

E-sign contract and
receive funds

Receive funds in your business bank account 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.

Apply now

Required documents for this application:

  • 6 months company bank statements

  • A picture of your NRIC, front & back

  • NRIC picture of all additional directors/guarantors, front & back

  • CBS report

  • Past 2 years NOA

Minimum of SGD 3,000 SGD and maximum of SGD 100,000

Join our SME community

“Very fast. Very efficient. No frills. Just pay on time.”

Ryan Sim, Managing Director
We the People

We've got you covered

We also offer business term loans and invoice financing to serve your needs.

Check our other offerings

Frequently asked questions

Our unsecured loan offer has an interest rate range from 1% - 4% per month. An origination fee between 2% - 5% is applied in addition. There is no early repayment fee. Your offer is dependent upon the outcome of the underwriting assessment.

Micro loans also known as micro finance are flexible, short-term loans for SMEs
with approval within 24 hours. Micro loans are sutiable for SMEs that need urgent
financing. The loan amount will be in the range of S$3,000 - S$100,000 

FS Bolt is a mobile app for SME owners to apply for a micro loan with minimal documentation.
An automated credit assessment process enables decision time of two hours and disbursement within 24 hours – making FS Bolt the quickest source of working capital loans in Singapore.

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.


Note: if you are a sole proprietorship and do not use a business bank account, your 6 months personal bank statement is sufficient.

We do not offer personal loans currently.

Contact us


+65 6221 0958

112 Robinson Road
Level 8
Singapore 068902


+603 2202 1013

Unit 15.01 & Unit 15.02, Level 15,
Mercu 3, KL Eco City, Jalan Bangsar,
59200 Kuala Lumpur


Pemberi Pinjaman
+62 878 6500 8311

+62 877 7873 6144

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

lockSSL Secure Site

Invest on the go via the Funding Societies app

¹ Terms & Conditions Apply

Funding Societies is the leading peer-to-peer lending platform in Southeast Asia. We specialize in all forms of short-term financing for SMEs, crowdfunded by individual and institutional investors. We pride ourselves with speed and flexibility, offering the widest range of term loan, trade finance and micro loan products. Back by SoftBank Ventures Asia Corp. and Sequoia India, Funding Societies has helped to finance over S$1 billion business loans regionally. It is 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

© 2020 Funding Societies Pte. Ltd. & FS Capital Pte. Ltd. All rights reserved.