Business Term Loan

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What is a term loan?

Term financing or business term loans refer to loans offered to businesses by lending platforms. These term loans provide a lump sum of cash upfront in exchange for fixed interest rates and a predetermined repayment schedule (usually 12 to 36 months). Business term loans can be secured by collateral or unsecured, depending on the lender and the amount disbursed.

Understanding the meaning of term loans:

  • Lump Sump Financing: Unlike lines of credit, business term loans provide a one-time disbursement of the approved loan amount.

  • Fixed Repayment Schedule: Businesses make fixed payments (principal + interest) each month throughout the loan term.

  • Flexible Repayment Terms: Compared to long-term loans, business term loans offer shorter loan tenors which allow businesses the flexibility in managing their debts.

  • Competitive Interest Rates: Interest rates are determined by individual circumstances and vary depending on factors like creditworthiness, loan amount, and repayment terms.


Business term loans are used for a variety of business needs like purchasing equipment or property, expanding operations, covering short-term cash flow gaps, and more. They can be a valuable tool for businesses seeking a one-time injection of capital to finance specific projects or investments. They offer predictable and manageable repayment terms, making them a suitable option for various business needs.

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

112 Robinson Road
Level 8
Singapore 068902

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 Sentry P
16 Nguyen Dang Giai Street,
Thao Dien Ward, Thu Duc City,
Ho Chi Minh City, Vietnam

Dreamplex
174 Thai Ha Street,
Trung Liet Ward, Dong Da District,
Hanoi, Vietnam

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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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