Sign up
Sign up

SME Debt Investment

Optimise Your Wealth & Support Local SMEs

Striking the right balance between steady returns and meaningful impact can be challenging. We offer SME debt investment options, including conventional and Shariah-compliant investments.

Start from RM100 to help you earn interest returns while supporting local businesses through a Malaysia SC-registered, low-
risk online investment platform.

  • Start as low as RM100

  • Conventional and Shariah-compliant investments

  • Automated Investment Option

  • Registered with the Securities Commission Malaysia (SC)

 

Invest Now

Smiling young man researching Malaysia investment platform for online SME debt investment opportunities.

Want More?

finance_new_image

Tradeview Funding Societies Income Fund

  • Earn steady monthly income from diversified SME financing notes

  • Professionally managed by Tradeview Capital Sdn. Bhd., licensed by SC Malaysia

  • Includes credit enhancement reserve (up to 10%) for added protection

  • Minimum investment: RM10,000

Explore More

Start SME Debt Investment With Us Today

Here are a few reasons why you will love investing with Funding Societies Online Investment Platform

Low investment entry barrier

Low Investment Entry Barrier

 

  • SME Debt Investment made easy, just for you.

  • Invest with a minimum of RM100.

protecting your <br> interests

Protecting Your
Interests

 

  • Registered with Securities Commission Malaysia (SC)

  • First platform in Malaysia to engage a trustee agency to manage our investors' money, so you can have a peace of mind.

  • Max Issuer Exposure - Feature that limits the amount of exposure the Auto-Invest Bot invests into a single issuer.

seamless investor experience

Seamless Investor Experience

 

  • Mobile App - Invest and review your investments anytime, anywhere.

  • Auto Invest - Set your investment preferences and let the system auto-allocate investments on your behalf.

PNG_LP_Asset_2

Conventional Investments

Icon_Islamic_Star

Islamic Investments

Guaranteed Investment

Investment with payments effectively guaranteed

  • Guaranteed Investment Note - Term Financing (MBBG)

  • Guaranteed Investment Note - Bullet Financing (MBSG)

Return Rate up to 8% p.a.

Find Out More

Business Term Investment

Investment into a business term financing

  • Business Term Financing (MBBT)

  • Business Term Financing - CGC (MBBTC)

  • Business Term Financing (Secured) (MBBTS)

Return Rate up to 18% p.a.

Accounts Receivable Investment

Investment into an invoice backed financing

  • Notified Invoice Financing (MBTF)

  • Non-Notified Invoice Financing (MBIF)

Return Rate up to 18% p.a.

Accounts Payable Investment

Investment into a purchase order or motor vehicle backed financing

  • Accounts Payable Financing (MBAP)

  • Dealer Financing (MBDF)

Return Rate up to 18% p.a.

Disclaimers

  • Return rate stated is the range of returns for the product group, before service fees and taxes.

  • Please refer to the respective investment note on the approved return rate.

Guaranteed Investment

Islamic Investment with payments effectively guaranteed

  • Guaranteed Islamic Investment Note - Term Financing (MBIBG)

  • Guaranteed Islamic Investment Note (Term Financing - CGCD) MBIDG

Return Rate up to 8% p.a.

Find Out More

Business Term Investment

Islamic Investment into a business term financing

  • Business Term Financing-i (MBIBT)

  • Business Term Financing-i CGC (MBIBTCV)

Return Rate up to 18% p.a.

Accounts Receivable Investment

Islamic Investment into an invoice backed financing

  • Invoice Financing-i (MBIIF)

Return Rate up to 18% p.a.

Accounts Payable Investment

Islamic Investment into a purchase order backed financing

  • Accounts Payable FInancing-i (MBIAP)

Return Rate up to 18% p.a.

Disclaimers

  • Return rate stated is the range of returns for the product group, before service fees and taxes.

  • Please refer to the respective investment note on the approved return rate.

Sign Up to start your investment journey with Funding Societies

Whether you’re a beginner or an experienced investor, starting your Islamic investment journey with us is easy. Just fill in the particulars below and click “Sign Up”.

Invest

How To Invest?

sign up

Sign Up

Click the sign up button and fill in your information.

Sign Up

verification

Verification

Upload all the required documentation and once approved, deposit RM100 to activate your account.

Youre all set

You're all set!

Once your account is activated, you can start investing in any available notes.

login

Log In

Log into your account to start investing.

Log In

note-1

Choose the note(s)

Go to the “Browse Investment Opportunity” section to view the ongoing funding opportunities.

investmentJourney

Begin your investment journey!

Input the amount you want to invest under the “Investment Amount” column and click on “Confirm Investment” to complete your investment.

Why Funding Societies?

lock icon
Registered with Securities Commission Malaysia
handshake icon-2
Largest SME
Digital Financing Platform
in Southeast Asia
money
Disbursed more than
RM 20 billion to over
5 million notes
human
More than 300,000
registered Investors
across SEA
safe
Investors' funds managed by Malaysian Trustees Berhad

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

Further Readings

debt_investment
Debt Investment: Navigating The Path to Financial Growth

Are you looking for an investment that will benefit your finances and contribute to SMEs? Here’s how debt investment will answer your needs!

Read More
guaranteed-investment-notes-blog-banner
Guaranteed Investment Notes: Explore Financial Opportunities with Funding Societies

Guaranteed Investment Note (GNs) provide an investment plan with a low risk & guaranteed return. Learn about how you could use GNs to your advantage.

Read More

Learn as you go

We've curated some great blog articles for you to grow your investment knowledge.

c945756f9075041d97ea64219e695f67b3e088ef1f085514e2869e1f865fa868

Minimise  Your Risk

All investments bear risks.
Diversification is always the key to successful investment.

Learn more

3e2360dc15d985566e73eadb0955930ef09ea36de22c1168db6551289a52d5f4

Maximising Investments

Reinvest using your capital gains to fund other SMEs while maximizing your returns.

Learn more

SME Investment Frequently Asked Questions

  • What is SME investment and who is it suitable for?

    SME investment refers to investing in financing provided to small and medium enterprises (SMEs) to support their business operations, growth, or working capital needs.

    It is suitable for individuals who:

    • Want to diversify beyond traditional assets like fixed deposits or equities

    • Are comfortable investing through a digital platform

    • Understand that returns are linked to SME performance

    • Are looking for relatively short-to-medium term investment opportunities

  • Is investing in SMEs considered a low-risk investment?

    No investment is completely risk-free. SME investments generally carry moderate risk, as returns depend on the ability of businesses to repay their financing.

    To help manage this, Funding Societies applies credit assessments and offers investors access to:

    • Risk-graded investment opportunities

    • Diversification across multiple SMEs

    • Clear disclosures on potential risks

    Investors should assess their own risk tolerance before investing.

    *Interest rates subjected to final credit underwriting

  • Can I invest in local Malaysian businesses through Funding Societies?

    Yes. Through Funding Societies Malaysia, investors can invest in financing opportunities for Malaysian SMEs across various industries such as retail, services, manufacturing, and logistics.

    This allows investors to support the growth of local businesses while earning potential returns.

     

  • How can I invest in small businesses in Malaysia?

    You can invest online through the Funding Societies platform by following these steps:

    1. Create an investor account and complete verification

    2. Review available SME financing opportunities

    3. Choose the amount you wish to invest

    4. Monitor repayments and returns through your dashboard

    The entire process is conducted digitally.

  • Can I invest online without financial expertise?

    Yes. Funding Societies is designed to be accessible even for individuals without formal financial training.

    The platform provides:

    • Clear investment summaries

    • Risk indicators and tenure information

    • Automated investment features (where available)

    However, investors are encouraged to read all disclosures and understand how SME investing works before committing funds.

  • How can I reduce risk when investing online in Malaysia?

    While risks cannot be eliminated, investors can manage risk by:

    • Diversifying investments across multiple SMEs

    • Avoiding putting all funds into a single deal

    • Reviewing risk ratings and tenure carefully

    • Investing only amounts they are comfortable committing

    Prudent diversification is one of the most effective ways to manage investment risk.

     

More things to see

Blog_Text

Visit our Funding Societies Blog for more information
on personal investments
 

ae29c02cebc7e748449530d57a9e72883fece494b9d76fea5568db27d1d158ed

New to Funding Societies?
Check out our ongoing promotions!
 

Discover Our Financing Options

Guaranteed Islamic Investment Note (GN-i)

   Principal and Returns Guaranteed

   Returns up to 8% p.a.

   Tenor up to 24 months

   Shariah-compliant notes 

Discover GN-i

Conventional Investments

   Returns up to 18% p.a.

   Tenor up to 36 months

 

 

 

Discover Conventional Investments

Islamic Investments

   Returns up to 18% p.a.

   Tenor up to 36 months

   Shariah-compliant notes

 

 

Discover Islamic Investments

Not what you’re looking for? Check out our other SME loan offerings.

Elevate Virtual Card is offered by FS Capital Pte. Ltd. ("FSC"). Micro Loans and Term Loans is offered by both FSC and Funding Societies Pte. Ltd. ("FSPL").