P2P Investment

Invest & receive interest returns
by financing local SMEs

Invest Now

Investment returns of


(weighted average in 2019)

Short term investments

No more than

12 months

Invest from just


What is P2P Investment?

Peer to peer Investment (P2P Investment), also known as P2P lending, is an investment concept where individuals & institutions jointly invest in financing to SMEs and earn returns in the form of interests. The P2P Investment platform connects SMEs sourcing for business financing directly with investors who are looking to participate in P2P Investment as part of their investment portfolio. With over S$1 billion in business financing funded regionally till date, Funding Societies is the largest P2P investment platform in the region

Types of P2P Investment Products

Guaranteed Property-backed Investment

Investment into a property-backed financing with repayments effectively guaranteed

Interest Rate

3% - 8% p.a.

Guaranteed Returns Investment

Investment into a micro financing with repayments effectively guaranteed

Interest Rate

2% - 8% p.a.

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


  • Historical rate of returns may not reflect the future rate of return

  • Information accurate as of 28/08/2020

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 work


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 crowdfunding 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 crowdfund 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 Crowdfunding 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 P2P Lending 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 12 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.

  • Individual Singaporean 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. holds a Capital Markets Services license (CMS) issued by the Monetary Authority of Singapore (MAS).

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 the P2P lending concept, 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

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

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.