Micro Credit Line

Flexible Financing for Your Business

Get a pre-approved credit limit of up to RM200,000 that revolves as you repay.

Drawdown cash when needed
Support business growth and cash flow needs
Open to registered businesses in Malaysia

Apply Now

What is Micro Credit Line?

Get access to a pre-approved credit limit of up to RM200,000.

Unlike traditional financing, you can draw funds when needed for growth, supplier payments, and daily operations.

Traditional Business Financing

Receive full approved amount upfront

One-time disbursement

One repayment schedule

Micro Credit Line

Credit limit up to RM200,000

Draw funds anytime within your approved limit

Fixed repayment plan for each drawdown

No collaterals required

Calculate Your Monthly Repayment

Financing Amount RM 50,000

RM 3,000 RM 200,000

Tenure

12 months

Interest Rate (per month)

1.5%

Estimated Monthly Repayment

RM 0

Principal (per month) RM 0.00

Interest (per month) RM 0.00

*This calculation is for illustration purposes only. Actual rates may vary.

Apply Now

How Micro Credit Line Works

Application

Submit your application online.

Get Approved Limit

Receive a pre-approved credit limit of up to RM200,000.

Draw Funds

Draw only what you need, when your business needs it.

Repay Monthly

Each drawdown is repaid through fixed monthly instalments for up to 12 months.

When Your Business Needs
Extra Support

Restock Inventory

Keep your shelves ready without waiting for payments.

Pay Suppliers On Time

Manage payment gaps while waiting for customer collections.

Manage Peak Season & Unexpected Expenses

Get short-term cash flow support when business needs arise.

Manage Cash Flow Flexibly

Drawdown only what you need without using your full limit upfront.

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Micro Credit Line is open to

Open to registered businesses in Malaysia
Minimum 30% local shareholding by Malaysians
Minimum RM5,000 in company revenue per month
Minimum 6 months in operations

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Apply For Micro Credit Line

You will need the following documents during this application:

6 months company bank statements
Your IC front & back
IC front & back of all additional directors

What is the financing for?

How much of a credit limit are you applying for?

Minimum of RM 3,000 and maximum of RM 200,000

Do you have an online business banking account?

Yes

Select your online business banking account

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 to serve your needs.

Check out our business solutions

Frequently asked questions

Are there any fees and charges?

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

• Facility fee: 1% of approved facility limit
• Drawdown fee: 10% of approved drawdown amount
• Interest rate: 1.5% per month (flat rate)
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: RM250 per 7 calendar day
• Late Interest Fee: Up to 0.1% per day (non-compounded) on the amount in arrears
Can I make an early settlement?

Yes, you can settle your loan any time you prefer without paying an early settlement fee.
How and where should I submit my withdrawal request?

You can submit your withdrawal request via our digital platform - Silk Road. More details about the platform would be provided upon onboarding
How does the repayment work?

Each drawdown is repayable within 12 months.

Repayment includes:

• Principal
• Interest

Repayments follow the agreed schedule. Principal repayment is required throughout the tenure.

Note: The overall facility exposure may extend up to 24 months due to overlapping drawdowns and renewal cycles, subject to approval.

Malaysia

[email protected]
Primary contact
+603 9212 0208

Secondary contact
+603 2202 1013

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

Indonesia

Pemberi Dana
[email protected]
+62 877 7126 5290

Penerima Dana
[email protected]
+62 877 7873 6144

Unifam Tower, Jl. Panjang Raya
Blok A3 No.1, Kedoya Utara,
Kebon Jeruk, Jakarta Barat,
DKI Jakarta, 11520, Indonesia

Singapore

[email protected]
General Enquiries:
+65 6221 0958

Sales Enquiries:
+65 6011 7534

108 Robinson Road
#06-01
Singapore 068900

Thailand

SME Loan
[email protected]
+66 93 139 9721

Investment
[email protected]
+66 62 197 8661

No. 29, Vanissa Building,
24th Floor, Room No. 2412 & 2414, Soi Chidlom,
Ploenchit Road,
Lumpini, Pathumwan,
Bangkok, 10330

Vietnam

[email protected]
(+84) 28 7109 7896

The Sentry P
16 Nguyen Dang Giai Street,
Thao Dien Ward, Thu Duc City,
Ho Chi Minh City, Vietnam

Dreamplex
174 Thai Ha Street,
Trung Liet Ward, Dong Da District,
Hanoi, Vietnam

Registered with Securities Commission Malaysia.
Modalku Ventures Sdn Bhd 201601019329 (1190266X)
© 2025 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.

Disclaimer: All third party trademarks, product and company names are the property of their respective holders.

Micro Credit Line

Flexible Financing for Your Business