Invoice Financing

Convert Your Invoices

into Cash Upfront

  • Credit line up to RM 2 million

  • Financing up to 80% of the invoice value 

  • Tenure up to 120 days

FS Invoice Financing is open to

  • Sole proprietorship, partnership, limited liability partnership, private limited company (non-subsidiary of a listed company) or unlisted public limited company registered with SSM

  • Minimum 30% local shareholding by Malaysians

  • Minimum RM 1 million revenue per annum

  • Minimum 1 year in operations

The Invoice Financing solution to ease your cashflow

Collateral Free

We focus on your business potential and we generally don’t ask for your assets (e.g. property or fixed deposits) as collateral.

Full Transparency

We will inform you of the costs and fees involved upfront, with no hidden fees for you to worry about. Fees are charged on a success basis.


We have a hassle-free online application process, so you can apply for financing from the comfort of your home.

Flexible Repayment Options

We offer tenures for financing from 30, 60, 90 to 120 days, for your convenience.

How To Apply?

Sign Up

Complete the application form. Then, prepare the following documents:

  • Company Registration Forms;

  • Copy of all Director(s) NRIC/Passport;

  • Latest 6-months Bank Statement; and

  • Latest Audited Accounts & Management Accounts (if available).


We will review your application and during this time, we may request for additional documents to support your application. We aim to revert back to you within five (5) working days upon full documents received.


Once you have accepted the offer via signing the agreement, we will disburse the approved financing to your/supplier bank account (depending on financing product applied) upon completion of the crowdfunding process.

Why Funding Societies?

Registered with Securities Commission Malaysia

Largest Peer-to-Peer Financing Platform in Southeast Asia

Disbursed more than
RM 4.3 billion to over
2 million notes

More than 800,000
SMEs registered with us
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 to serve your needs.

Check out our business solutions

Frequently asked questions

Invoice Financing is a broad concept of financing arrangement where it allows companies to finance their early payment on their sales invoices or sales purchases, for goods delivered and/or services completed. This method of financing is ideal for businesses in need of consistent cash flow or cash upfront, especially if the majority of their transactions are on credit terms.

With Funding Societies, you have two options of Invoice Financing that would suit your needs; Accounts Payable (AP) Financing and Accounts Receivable (AR) Financing.
Additionally, you will have access to our online supply chain financing system, Silk Road, to manage your financing facility with us.

AR Financing is typically meant for financing sales invoices, with your perspective as the Seller.
AP Financing is typically meant for financing sales purchases, with your perspective as the Buyer.

Process Flow
Step 1: Buyer submits a Purchase Order (PO) via Silk Road
Step 2: Seller confirms the PO via Silk Road and proceeds with the delivery of the order
Step 3: Seller submits a Delivery Order (DO) and invoices via Silk Road
Step 4: Buyer confirms the submitted documents via Silk Road
Step 5: Seller receives disbursement from Funding Societies based on the approved terms
Step 6: Repayment to Funding Societies based on the approved terms (notified or non-notified)*

Notified :
Buyers are notified of the arrangement between Seller and Funding Societies.
Thus, Buyer pays Funding Societies as per approved terms.

Non-notified (applicable to AR Financing only) :
Buyers are not notified of the arrangement between Seller and Funding Societies.
Thus, Buyer pays Seller as per invoice terms, then, Seller pays Funding Societies as per approved terms.

With Funding Societies Invoice Financing, you can apply for a financing tenure of up to 120 days. 

Depending on the nature of your financing, you could apply for a tenure of 30, 60, 90, or 120 days.

If this is your first time with us, here is a run-through on the application process.

1. Complete the application form.

2. Prepare the following documents to support your application:

  • Company Registration Forms

  • Copy of all Director(s) NRIC/Passport

  • Latest 6-months Bank Statement

  • Latest Audited Accounts & Management Accounts (if available)

We will reach out to you shortly after your application.
Should there be a need for additional documents/information, we will request those accordingly.

Just like any other financing product, the following fees/charges will be applicable:

  1. Application / Registration Fee: Waived for selected financing products

  2. Facility Fee / Up-Limit Fee: Up to 2% of the approved/increased limit of the financing facility (applicable for revolving only)

  3. Origination Fee / Utilisation Fee: Up to 2% of the approved financing amount, deducted upon disbursement (depending on tenure)

  4. Legal Stamping Fee: 0.5% of the approved financing amount 

  5. Variation Fee: Up to RM 500 per variation for any issuance of supplementary letter of offer and/or renewal of revolving financing facility

Please take note that the above are the common fees/charges of Invoice Financing which serves as a guide, varying from product to product and subject to change from time to time.
For more accurate and updated fees/charges, kindly check with us. 

If you are late in making your repayments, the following fees/charges will be imposed: 

  • Late Penalty Fee: RM 250 per 7 calendar day

  • Late Interest Fee: Up to 0.1% per day (non-compounded) on the amount in arrears

Of course! If you choose to settle the financing early, there are NO fees or charges imposed!

Unit 15.01 & Unit 15.02, Level 15,
Mercu 3, KL Eco City, Jalan Bangsar,
59200 Kuala Lumpur

Phone: +603 2202 1013
Email: [email protected]


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Registered with Securities Commission Malaysia.
Modalku Ventures Sdn Bhd 201601019329 (1190266X)
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