Property-Backed Secured Financing

Convert your property into cash

as an equity term loan cash out

  • Financing up to $3 million SGD

  • Interest rates as low as 0.6% per month¹

  • Up to 80% of the property value

Am I eligible for Property-Backed Secured Loans?

  • Singapore registered business
  • Minimum 30% shareholding by a Singaporean Citizen or Permanent Resident Director

Why choose Property-Backed Secured Loans from Funding Societies

Full Transparency

We will inform you of the costs and fees involved upfront, with no hidden fees for you to worry about. See our FAQs at the bottom for more information.


Applicable to all companies, including start-ups.

Flexible Repayment Options

Ease your cash flow with monthly interest repayment. Principal repayment is only due at the end of the loan tenure.

How to apply?

Sign up as a borrower

We will require different documents during the loan application process. Please view the FAQ section below for more detailed information.

Review your offer

Upon reviewing your application, we will get in touch with about your potential financing options. If you are happy, simply accept the offer and move to the next steps.

Contract and Disbursement

Once you receive the contract, send it back to us signed and sealed. Your funds will be disbursed as soon as possible to meet your business needs.

We've got you covered

Not what you’re looking for?
We have other financing solutions available to serve your needs.

Check out our other SME loan offerings

100% committed to supporting SMEs 

100% focused on SMEs’ financial needs

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Frequently asked questions


Property-backed secured loans, also known as property-backed financing, is a secured loan product that allows SMEs to use their properties as collateral. With property-backed secured loans you can get a working capital loan of up to $3 million SGD with interest rates as low as 0.6% per month.


  • 2 years financial statements

  • Latest 6 months bank statements

  • Director(s) and Shareholder(s) NRIC or Passport, 2 year NOA and CBS report


Additional documents may be required. This is determined on a case by case basis. Our team will reach out to you once your application is received.


Our interest rates begin as low as 0.6% per month. This amount is subject to the assessment from our team based on your loan application.


The following fees and charges can apply:

Utilisation fee: 1% - 7% of the agreed loan amount

Early repayment and late fees are determined on a case by case basis with your relationship manager.

Please take note that the above are the common fees/charges of Property Backed Secured Financing which serves as a guide and subject to change from time to time. For more accurate and updated fees/charges, kindly check with us.

Updated date as of 27th September 2021


For additional products offerings from Funding Societies, please refer to 


+62 878 2325 1976

+62 877 7873 6144

Unifam Tower, Jl. Panjang Raya
Blok A3 No.1, Kedoya Utara,
Kebon Jeruk, Jakarta Barat,
DKI Jakarta, 11520, Indonesia

+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

+66 93 139 9721

No. 188, Spring Tower, 11th Floor,
Phayathai Road,
Thung Phaya Thai Sub-district,
Ratchathewi District, Bangkok,10400

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¹ Rate based as of March 22nd, 2021

Funding Societies Pte. Ltd. is a SME Digital Financing platform licensed by the Monetary Authority of Singapore. The products offered by Funding Societies Pte. Ltd. are governed by the Securities and Futures Act (SFA) and shall be construed and understood as a debt security regardless of the references to "loan", "lending", "finance" or "financing".

Funding Societies is the leading SME Digital Financing platform in Southeast Asia. We specialize in all forms of short-term financing for SMEs, funded 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

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