Is my company eligible if it was just incorporated?

Yes. We welcome businesses of all stages, from newly incorporated companies with limited financial history to established companies seeking a new funding partnership with Funding Societies.

What documents are required to apply?

Director/Guarantor’s latest CBS report (Dated within 30 days from submission date). Director/Guarantor’s NRIC & latest year Notice of Assessment (retrieved via Myinfo Business) That’s all! We don’t require six months of bank statements or financial reports, so you can focus on what matters most. Note: A one-month bank statement may be requested for account verification during disbursement, but we’ll notify you if needed.

Can I make early repayments?

Yes. You have the flexibility to fully repay your loan whenever you want. However, with no interest on timely repayments, you might find it more beneficial to hold on to your funds to maximize cash flow and stick to the monthly principal payments.

What can I use this loan for??

The loan is designed to enable flexible funding to supplement your business working capital needs.

Start-Up Financing: Startup Business Loan for Companies in Singapore

Q: What is Start-Up Financing?

Start-Up Financing gives you fast access to working capital to cover early expenses, kickstart new operations, or seize urgent opportunities. Whether you’re just launching or already growing, you can apply and get funded within days — with minimal documentation and a rapid approval process.

Funding Societies is a Participating Financial Institution under Enterprise Singapore’s (ESG) Enterprise Financing Scheme. Find out more.

Fixed $10,000 or $20,000 loan quantum
5 months loan tenor
ZERO interest on timely repayments
Simple application process in less than 10 mins
Swift approval and disbursement - within 2 working days*

Start-Up Financing is fulfilled by FS Capital Pte Ltd

Powered by:

What is Start-Up Financing?

Funding that’s open to all businesses — from one month old to well-established.

Use it to cover early expenses, support new operations, or take on timely business opportunities with minimal documentation and a straightforward application process. For established businesses, it’s also a practical way to start building a financing track record with Funding Societies, so we can better support your future working capital needs.

The best part? Zero-interest when you repay on time.

One Simple Product, Multiple Flexible Options

Financing Options

I am looking for:

Burden-free funding with no interest or fees Larger loans to meet my business needs

Start-Up Financing

Zero Interest

Zero Fees

$10,000 Loan Quantum
5 Months Loan Tenor
$500 Origination Fee (waived if applied digitally)
Fixed repayment of $2,000 per month

Apply Now

Limited applications, only 30 remaining

Start-Up Financing PRO

Zero Interest

$20,000 Loan Quantum
5 Months Loan Tenor
Origination Fee from $1,000
Fixed repayment of $4,000 per month

Apply Now

Need more capital?

Get up to $150,000
Loan Tenor up to 18 months
Competitive interest rates
Disbursed in as quick as 24 hours

Learn More

How does start-up loans help your business?

Fund initial
development costs

Lighten
operating costs

Kickstart sales and
marketing campaigns

Support Urgent
Opportunities

Fully digital application in less than 10 mins

The Elevate Account and Cards is offered by CardUp Pte. Ltd (“CardUp”) and powered by Matchmove Pay Pte Ltd (“Matchmove”), use of which is governed by the Elevate Accounts & Cards Terms and Conditions.
All wallet and card related information found in this statement is provided by and/or extracted from Matchmove. Click to here to learn more.

Am I Eligible for Start-Up Funding?

Singapore registered Pte Ltd or LLP business
Minimum 30% local shareholding by a Singapore Citizen or Permanent Resident
Personal Guarantee (PG) from at least 1 Director who is a Singapore Citizen or Permanent Resident
6 months operating history (businesses with less than 6 months are also welcomed to apply)
Only first-time borrowers who have not previously obtained a loan from Funding Societies

Frequently asked questions

Is my company eligible if it was just incorporated?

Great news! For Start-Up Financing, we welcome businesses that are under 6 months old to apply.

If you’re looking to apply for Start-Up Financing PRO, just keep in mind that your company will need to be at least 6 months incorporated to qualify.
What documents are required to apply?
We’ve streamlined the process for your convenience. Here’s what you’ll need for each financing option:

For Start-Up Financing
(Businesses with less than 6 months are also welcome to apply!)
- Director/Guarantor’s latest CBS report (Dated within 30 days from submission date).
- Director/Guarantor’s NRIC & latest year Notice of Assessment (retrieved via Myinfo Business)
- Latest 6 months bank statement (or up to the duration of your business operation)
For Start-Up Financing PRO
To qualify, your company must be at least 6 months incorporated. Along with the documents listed above, you will also need:
- Latest 6 months bank statements
Can I make early repayments?

Yes. You have the flexibility to fully repay your loan whenever you want. However, with no interest on timely repayments, you might find it more beneficial to hold on to your funds to maximize cash flow and stick to the monthly principal payments.
What can I use this loan for?

The loan is designed to enable flexible funding to supplement your business working capital needs.

Other Notes

Every reasonable effort has been made to ensure that the turnaround time is adhered to but the timeline may still be subjected to change depending on various circumstances including but not limited to the completeness of information furnished by the applicant. Other Terms and Conditions may apply.

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Almost all types of startups businesses in Singapore can apply for SME business loans. Find out what are the criteria to ensure a smooth process.

Check out our blog for more helpful articles on startups in Singapore

Discover more

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

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

Start-Up Financing

What is Start-Up Financing?

One Simple Product, Multiple Flexible Options

Start-Up Financing

Start-Up Financing PRO

Need more capital?

How does start-up loans help your business?

Fully digital application in less than 10 mins

Am I Eligible for Start-Up Funding?

Frequently asked questions

Is my company eligible if it was just incorporated?

What documents are required to apply?

Can I make early repayments?

What can I use this loan for?

Other Notes

Recommended Articles

Startups in Singapore: The Complete Guide to Financing

What is SME Loan? Basics of SME Business Loan for Startups

Check out our blog for more helpful articles on startups in Singapore

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