The Portal to Infinite Possibilities

Revolving Credit Line

  • Line limit up to $100k

  • Only 3 documents to get started

  • No collaterals required

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How does Revolving Credit Line work?

Request drawdown within line limit and availability

Requested drawdown will be disbursed in 48 hours

You repay the drawdown amount (with interests)

Your line gets topped up again, ready for another drawdown!

Here's when you need a Revolving Credit Line

New Projects

For urgent hires, payments to suppliers

Irregular trade cycle payments

Beef up cash flow against the unforeseen

Build your credit score

Especially for businesses looking to take up larger loan sum in the future


A revolving credit line loan or business credit line is a flexible credit arrangement that gives you access to a set amount of money. This credit can be used repeatedly up to a specified limit. Unlike conventional loans, a revolving credit line lets you draw and repay as your business needs evolve. This offers more flexibility and control over your finances. Our Revolving Credit Line has a tenor of up to 12 months and can be renewed every year.

Fulfilled by FS Capital Pte. Ltd.


First, your business has to meet these requirements for a Revolving Credit Line:

  • Registered locally with a minimum 30% local shareholding and have been operating for 3 years

  • Have a minimum annual sales turnover of S$1.2 million for a Revolving Credit line


If you meet these requirements, you’ll need to submit these 3 documents: 

  • Latest 6 months of operating bank statements

  • Personal Guarantor’s Copy of coloured NRIC (front and back)

  • Personal Guarantor’s Credit Bureau Report from Credit Bureau Singapore (CBS) (valid within 30 days)

  • Credit Limit: Once a SME’s revolving credit line is approved, a specific credit limit is set. This limit is based on various factors such as the company’s credit history, financial stability, cash flow, and overall creditworthiness.

  • Access to Funds: Funds can be accessed through our user-friendly self-service portal.

  • Flexible Interest Servicing & Repayment Options: Instead of fixed minimum payments,  a Revolving Credit Line offers greater control over cash flow and interest costs. You can choose to: 

    • Pay only the monthly interest (currently calculated at 1.5% for the first 12 months): This keeps your account in good standing while minimising immediate cash outflow.

    • Make larger payments: Reduce your outstanding balance and interest costs faster, saving you money in the long run.

    • Settle the entire balance at once: Eliminate any further interest charges.

  • Remember, flexible repayment options come with the responsibility to manage your debt wisely. Consider your cash flow and financial goals when choosing a repayment strategy.  Paying more than the minimum can significantly reduce overall interest costs and positively influence your credit score.


Overdraft facilities are usually linked to bank account.


You may request a drawdown through our financing platform. The minimum drawdown amount is S$10,000, up to your approved credit limit.

An annual facility fee will be charged based on your approved limit.
As of now, we will be waiving all drawdown fees.

Interest is accrued on a daily basis at a flat interest rate of 1.5% per month.


Unfortunately, only Singapore-registered Pte Ltd and LLP companies are eligible for Revolving Credit Line.


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

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Level 8
Singapore 068902

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+603 9212 0208

Secondary contact
+603 2202 1013

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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. and FS Capital Pte. Ltd. are part of the Funding Societies Brand.

Funding Societies Pte. Ltd.
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FS Capital Pte. Ltd.
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