Funding Societies x GEMX

Our Products at a glance

Start-Up Financing

Cover initial operating costs

Disbursed in 3 working days*

No interests and fees*

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Fulfilled by FS Capital Pte. Ltd.

Working Capital Loans

Fast disbursement

Easy application

No collaterals required

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Fulfilled by FS Capital Pte. Ltd.

Revolving Credit Line

Bridge cashflow cycle

Flexibility in drawdown terms & tenor

No early repayment penalty

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Fulfilled by FS Capital Pte. Ltd.

Property-backed Secured Financing

Huge working capital injection

Maximise asset value

Encumbered properties eligible too

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Fulfilled by FS Capital Pte. Ltd.

Trade Finance

Unlock cash flow

Suitable for upstream & downstream partners

Foster good business relationships

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Fulfilled by FS Capital Pte. Ltd.

Start-Up Financing

Eases young companies' initial challenges to kickstart progress with fast, interest-free cash.

	Product Overview
Loan Quantum	$6,000
Loan Tenor	3 months
Interest Fees	0*
Origination Fee	0*
Eligibility	-Locally registered and operating less than 2 years -Minimum 30% local shareholding -Only Pte Ltd and LLP -Min local shareholding of 30%

*Interest rates, fees and disbursement speed may vary, subjected to final underwriting.

Working Capital Loans

Lump sum cash disbursed for one off costs like renovation, salary or machinery purchase.

	Micro Loan	Express Business Term Loan	Business Term Loan PRO	Business Term Loan
Loan Quantum	Up to SGD 150k	Up to SGD 200k	Up to SGD 300k	Up to SGD 300k
Loan Tenor	Up to 18 months	Up to 18 months	Up to 36 months	Up to 18 months
Interest Rates*	From 0.8% per month onwards
Origination Fee	Up to 7%	Up to 5%	Up to 5%	Up to 7%
Eligibility	- Singapore registered business - Only Pte Ltd company or LLP - Min operating history of >6 months	Singapore registered business - Only Pte Ltd company or LLP - Min operating history of >3 years		- Singapore registered business - Only Pte Ltd company or LLP - Min operating history of >1 year

*Interest rates, fees and disbursement speed may vary, subjected to final underwriting.

Revolving Credit Line

Reliable and flexible line of credit to address all your contingent business spends

	Product Overview
Line Quantum	Up to SGD 100k
Line Tenor	12 month from date of offer + 12 month Term Loan Conversion upon annual account review
Drawdown Tenor	Up to facility end date (i.e. at end of 1st year interest servicing)
Drawdown Fees	0
Facility Fees	Up to 3%
Drawdown Limit	Min: SGD 20K & multiples of SGD 10K, or remaining limit balance. Max: Up to remaining available limit
Revolver Period Interest*	1.5% per month
Eligibility	-Pte Ltd or LLPs only -Locally registered and operating >3 years -Minimum 30% local shareholding -No foreign-owned corporate companies >25% shareholding per entity -Annual sales turnover of S$1.2m to S$8m

*Interest rates subjected to final credit underwriting approval

Trade Finance

Unleash "trapped" cashflow in the trade cycle for both upstream and downstream partners

	Accounts Payable	Accounts Receivable
Line Quantum	Up to SGD 500,000	Up to SGD 1,000,000
Loan Tenor	Up to 90 days	Up to 120 days
Interest Rates*	From 0.875% per month
Drawdown Fees*	From 1.59% per month
Facility Fees*	Up to 7% p/a
Eligibility	- Singapore registered business - Only Pte Ltd company or LLP - Min operating history of >1 year

*Interest rates subjected to final credit underwriting approval

Property-backed Secured Financing

Maximise your assets and turn them into cash. Works for encumbered properties too.

	Product Overview
Loan Quantum	Up to SGD $4M
Eligible Property Type	Residential, Commercial or Industrial
Loan to Value	Up to 80% property value - Residential 80% - Commercial 70% - Industrial 60%
Interest Rates	7% p.a
Eligibility	-Pte Ltd or LLPs only -Locally registered and operating >6 months -Minimum 30% local shareholding

*Interest rates subjected to final credit underwriting approval

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

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

In partnership with

GEMX Technologies

Our Products at a glance

Start-Up Financing

Working Capital Loans

Revolving Credit Line

Property-backed Secured Financing

Trade Finance

Start-Up Financing

Working Capital Loans

Revolving Credit Line

Trade Finance

Property-backed Secured Financing

Services

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