*before service fee and taxes
Return on Investment
Minimum Investment Amount
Largest SME digital financing platform in Southeast Asia
Disbursed more than
RM 12.9 billion to over
5 million notes
More than 200,000
Investors' funds managed
by Malaysian Trustees Berhad
"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."
Guaranteed Investment Note (GN) is part of Funding Societies’ initiatives to offer a wider variety of products to cater for different investors’ preference. At present, there are two products under the Guaranteed series (both 100% principal & return guaranteed investment):
1. MBBG - Guaranteed Investment Notes (Term Financing)
2. MBSG - Guaranteed Investment Notes (Bullet Financing)
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.
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.
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.
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.
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.
No. GN is open to all Investors.
Guaranteed Investment Note will be made available to investors via Auto-Invest as well as Manual Investment.
+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
+65 6011 7534
112 Robinson Road
+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,
10th Floor, Phayathai Road,
Thung Phaya Thai Sub-district,
(+84) 28 7109 7896
2/F Sonatus Building,
15 Le Thanh Ton,
Ben Nghe Ward,
Ho Chi Minh City, Vietnam
Registered with Securities Commission Malaysia.
Modalku Ventures Sdn Bhd 201601019329 (1190266X)
© 2020 Modalku Ventures Sdn Bhd. All rights reserved.
Funding Societies is a SME Digital Financing Platform registered with Securities Commission Malaysia. It does not fall under the jurisdiction of Bank Negara Malaysia. Therefore, financing products of Funding Societies should not be constructed as business loan, SME loan, micro loan, term loan or any other loans offered by banks in Malaysia and it is to be deemed as an investment note as defined in the Guidelines on Recognised Markets.
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