What is Business Term Financing - Portfolio Guarantee (PG)?

The Business Term Financing - Portfolio Guarantee (PG) aims to support small and medium enterprises (SMEs) by facilitating their access to working capital loans. Eligible applicants can apply financing up to RM500,000 with a financing tenure of up to 36 months. The scheme will be backed by a 50% guarantee from CGC.

How does Business Term Financing - Portfolio Guarantee (PG) work?

This product can offer you a financing of up to RM 500,000 with an interest rate of 10% per annum.There is no collateral required. When your financing is approved it will be credited into the your designated business bank account. Your monthly installment will be ‘P+I’ meaning principal + interest.

How long is the tenure?

For this scheme, you will get a financing tenure of up to 36 months. This is calculated based on your financing amount and repayment capability.

How do I apply for Business Term Financing - Portfolio Guarantee (PG) work?

If this is your first time with us, here is a run-through on the application process Step 1: Complete the Application form on our page Step 2: Submit all the documents required for this application Copy of all Director(s) NRIC/Passport Latest 6-months Bank Statement Latest Audited Accounts & Management Accounts Latest Debtors & Creditors ageing reports KWSP Borang A Step 3: Check your email for updates on your financing application Step 4: Accept the approved financing offer from us (if you’re agreeable to the terms) We will credit the funds into your designated business bank account upon successful funding exercise and your repayment cycle shall begin the following month.

Are there any fees and charges for Business Term Financing - Portfolio Guarantee (PG)?

Just like any other financing product, the following fees and charges will be applicable: Origination Fee: 5% of the approved financing amount, deducted upon disbursement.

What if I can’t make my payments on time?

If you are late in making your repayments, the following fees/charges will be imposed: Late Penalty Fee: RM500 per repayment cycle Late Interest Fee: 0.1% per day (non-compounded) on the amount in arrears

Can I make an early settlement?

Early repayments are always encouraged, as SMEs are able to save more on interest.Early repayments are subjected to a 2% early repayment fee on the remaining principal amount to partially compensate our investors on the loss of their residual interest.

Boost Sales with Instalment Plans

Close more deals,
get paid upfront

Let your clients pay over time, while your business receives full payment instantly.

Get paid in full by the next business day
Offer 3 or 6 month instalments, no credit card required
Win more clients and close bigger deals
No setup costs, monthly fees, or technology integration
Works seamlessly with other Funding Societies financing solutions

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Why offer Instalments?

Paid immediately

Receive the full invoice amount by the next business day, no chasing or delays.

Flexible for clients

Let clients pay over 3 or 6 months via direct debit, no credit card needed.

Boost conversions

No upfront payment means less hesitation and more closed deals.

Broaden your reach

Attract a wider customer base by offering instalment options that don’t rely on credit card.

*Subject to approval and processing fees

How it works

Create a CardUp account

Get started in as fast as one business day, no complex setup required.

Share custom payment links

Easily send secure payment links with instalment options to your customers.

Fast payout, managed repayments

Once approved, funds are disbursed to your account. CardUp will handle the repayment process directly with your client.

Built for growing business owners

Quick onboarding
Easy-to-use dashboard
No tech integration required
Zero monthly or setup fees

Already using Funding Societies to finance your growth? CardUp complements your strategy by giving your clients the flexibility they need without putting pressure on your cash flow.

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Join businesses already growing with Instalment Plans

CardUp's Instalment Plans has been a game changer for us. Project conversions jumped over by 30% in just one quarter simply because clients can spread out their payments.

Ready to start?

Let your clients pay over time. You get paid today.

Why Funding Societies?

Registered with
Securities Commission Malaysia

Largest SME digital financing platform in Southeast Asia

Disbursed more than
RM 20 billion to over
5 million notes

More than 300,000
registered Investors
across SEA

Investors' funds managed by Malaysian Trustees Berhad

We've got you covered

Not what you’re looking for?
We have other financing solutions available.

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Frequently asked questions

What is the Instalment Plan?

The Instalment Plan lets you split large invoice payments into smaller, monthly instalments making it easier to manage cash flow without a big upfront cost. Offered via CardUp and Funding Societies, you can choose 3 months at 0% interest or 6 months at 4% interest, with your first repayment starting 30 days after approval.
How do I select the Instalment Plan?

When paying an invoice through a CardUp payment link or Xero invoice:

1. Open the payment page from the link provided by your seller.

2. Select Instalment Plan as your payment method.

3. Choose your preferred tenure (3 months or 6 months) and confirm repayment terms.
Can I split payment between instalment and other methods?

Yes. If your invoice amount exceeds the Instalment Plan limit, you can use instalments for the eligible amount and pay the remaining balance via bank transfer or credit card.
Is there a due date to use the Instalment Plan?

Some sellers may set a due date for payment. reminders will be sent to you by email.
Who can apply for the Instalment Plan?
Eligible applicants include Malaysian-registered sole proprietors and companies that:
- Are at least 30% Malaysian-owned
- Have been operating for at least 6 months
- Earn at least RM60,000 per year (or RM5,000/month)
- Have no ongoing legal action, and any past bankruptcy or litigation cases settled as required
What information and documents do I need?
- Basic company details and one director’s information
- Latest 1 month company bank statement
- A copy of one director’s NRIC
What tenures are available?
- 3 months at 0% interest
- 6 months at 4% interest
How will I know if I’m approved?

You’ll be notified via email or WhatsApp. Once approved, you’ll receive instructions to e-sign the Letter of Offer and authorize e-Mandate for direct debit setup.
What if I’m rejected?

You can still pay your invoice via bank transfer or credit card using the same payment link.
What happens after approval?

Funding Societies will disburse funds to the seller within 2 business days, and you should receive your goods or services as agreed.
How are repayments made?

Repayments are auto-deducted monthly from your company bank account no manual transfers needed.

Fulfilled by FS Capital Pte. Ltd.

*Interest rates subjected to final credit underwriting
When will my clients' first instalment be deducted?

30 days after funds are disbursed to the seller.
What if my clients doesn’t have enough funds?

Funding Societies will retry the deduction daily within a 7 day grace period. Late fees apply after 7 days.
Can my clients request more time to repay?

Yes. Contact our Collections team at repayments-my@fundingsocieties.com to discuss options.

Close more deals,
get paid upfront

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