Grow your wealth
the smart way
with Guaranteed Investment
Enjoy guaranteed returns up to 8% p.a.*
*before service fees and taxes
Return on Investment
Guaranteed Principal
and Returns
Investment Period
Up to 24 months tenor
Minimum Investment Amount
Start as low as RM100
Why Funding Societies?
Here are some key reasons why you should invest with us:
How to sign up
How to Invest
Sign Up to start your investment journey with Funding Societies
Whether you’re a beginner or an experienced investor, starting your investment journey with us is easy. Just fill in the particulars below and click “Sign Up”.
Join Our Investor Community
Take a look at this video for a testimony from one of our investors.
Our Investor Testimonials
"Funding Societies gives investors the freedom to choose their investments through its digital platform. Returns are predictable and stable, such as with the Guaranteed Investment (GN) notes. It reduces the risk of losing money, and some GN notes repay every month, increasing my return on investment rate as I re-invest the repayments. Funding Societies is a great place to start your second stream of income without much hassle or big capital."

Rainbow Chan
"Funding societies serve as a great alternative to diversifying my investments. Other than traditional investments like stock, and unit trust, I get to lend my money to SMEs to get higher returns than FD returns. Of course, it also comes with some associated risks but you can manage the risk by splitting your fund to multiple SMEs and only lending to SMEs with good credit scores."

Foo Kwok Whye
"My investment journey with Funding Societies started in 2020, and it has significantly improved my cash flow and provided opportunities for common people like me to make consistent investments with low investment entry amounts. I highly recommend this platform for SMEs debt P2P investment."

Lim Wei Yeh
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FAQs
Guaranteed Investment Note (GN) is part of Funding Societies’ initiatives to offer a wider variety of products to cater for different investors’ preference.
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How does it work?
As per existing products, Funding Societies will provide financing to Micro, Small & Medium Enterprises (MSMEs) via investment notes, which is funded from investors. MSMEs will make repayments (principal and returns) to investors as per agreed schedule.
However, investment notes issued under the Guaranteed series will be guaranteed by an appointed entity (Guaranteeing Entity). In the event of non repayment by the Issuer (≥ 15 days past due (DPD)), the Guaranteeing Entity will repay the principal and return due to Investors. The rights to claim of debt from the Issuer will then be transferred to the Guaranteeing Entity. -
Who is providing a guarantee?
The investment notes will be guaranteed by an appointed entity (Guaranteeing Entity). The Guaranteeing Entity maintains capital and cash reserve buffers to ensure investors are repaid in a timely manner when issuers are delinquent / default on repayments.
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Why is the return rate lower than other products?
In exchange for the Guaranteeing Entity bearing the non-repayment risk, a fee will be paid to the Guaranteeing Entity. In other words, investors are giving up some of the potential upside (potential returns earned) in exchange for more stable and consistent returns.
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What happens in the event of delinquency/default?
When an Issuer misses a repayment (≥ 15 days past due (DPD)), the Guaranteeing Entity will step in and repay the principal and returns due to Investors. The rights to claim of debt from the Issuer will then be transferred to the Guaranteeing Entity.
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What are the risks involved?
There may be a possibility that the Guaranteeing Entity is not able to fulfill its financial obligations in a timely manner.
However, there are several mechanisms in place to ensure that the Guaranteeing Entity has the capabilities to meet its financial obligations. For instance, the Guaranteeing Entity is required to maintain capital and cash reserve buffers to ensure investors are repaid in a timely manner when Issuers default on repayments. -
Any terms and conditions to participate in GN?
No. GN is open to all Investors.
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How do I invest in GN?
Guaranteed Investment Note will be made available to investors via Auto-Invest as well as Manual Investment.
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