Micro Credit Line

Have ready access to cash for inventory purchase,
supplier payment or as an emergency fund.
Apply for the facility now and withdraw anytime.

  • Credit limit up to RM100,000

  • Facility limit re-credited upon full settlement

  • Serve interest and fee on a monthly basis

  • No collateral required

Introducing Micro Credit Line

Why Micro Credit Line?


Request a withdrawal and receive financing in 2 working days


No hidden fees. Pay interest of
1.5% p.m. and fee of 1% on the
approved withdrawal amount


100% online application and withdrawal process. Min documents required


Plan your cash flow and repay the principal according to your cash flow cycle.

How Micro Credit Line Works:


Complete the application form and receive the approval within 3 working days*. E-sign the agreement upon approval.


Submit your withdraw request at any time within the availability period and receive the financing within 2 working days*


Plan your repayment schedule based on your cash flow cycle. Your credit line will be re-credited upon full settlement of the principal and interest.

Withdraw Again

Submit your next withdrawal request as long as you have sufficient facility limit*

FS Micro Credit Line is open to

  • SSM registered business/company

  • Minimum 30% local shareholding by Malaysians

  • Minimum RM 5,000 in company revenue per month

  • Minimum 6 months in operations

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

Minimum of RM 3,000 and maximum of RM 100,000
Do you have an online business banking account?

Our Customer Success Stories

“As a growing company that offers home and business security solutions, we need financing to maintain cash flow in order to cover a variety of business expenses, including long payment terms for our clients. We are very grateful to Funding Societies for providing short-term financing solution to us when we need it the most, helping us to improve our cash flow and grow our business further.”

Ben Zainal, Heron Solutions

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

A micro-credit financing that offers opportunities to SMEs to stay on top of their cash flow and provide a back-up plan as they need.

With Funding Societies Micro Credit Line, you can apply for a financing amount of up to RM 100,000 with an interest rate of up to 1.5% per month and 1% of Processing Fee on the utilised amount. Processing Fee will be charged upon successful disbursements and monthly on the utilised amount. 

Once you have accepted our offer, you will receive a credit line to drawdown within the availability period. We will provide you with access to our Silk Road platform for you to submit your drawdown request. You can refer to the Silk Road user manual that will be shared to your email after you have successfully onboarded with us. You can also enjoy flexible principal repayment structure by planning your repayment schedule based on your cash flow cycle. Your credit line will be re-credited upon full settlement of the principal and interest.

*"Processing Fee" is referred to as the "Utilization Fee" in the Financing Documents”

Availability period is the period for you to drawdown from the credit line we have approved. Typically, it is 12 months from the execution date of the financing agreement

With Funding Societies Micro Credit Line, you get to enjoy flexible principal repayment schedule.
There are two options for flexible principal repayment schedule which are Principal Repayment and Rollover.

(i) Principal Repayment: You can settle the loan by paying the Principal amount and total Interest due before/on the loan due date via Instant Transfer. The early you make the settlement, the more interest you can save and there are no early settlement fees or charges imposed.

(ii) Rollover: You can rollover the principal repayment to next month by paying the monthly Interest due and the respective monthly Processing Fee only. The Interest and Processing Fee is deducted via direct debit mandate on the due date.


*"Processing Fee" is referred to as the "Utilization Fee" in the Financing Documents

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 the documents required for the application

  • Copy of all Director(s) NRIC/Passport
  • Latest 6-months Bank Statement
  • Latest 2 years personal Income Tax Assessment (Optional)

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 walk you through how to use our Silk Road platform to claim your financing by sending you a user manual via email.

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

  • Processing Fee: 1% of each withdrawal amount which is payable on monthly basis on each due date. (Processing fee on each new drawdown will be deducted upon disbursement)
  • Annual Fee: 1% of the total facility amount. Paid one-off upon acceptance of our offer. 


*"Processing Fee" is referred to as the "Utilization Fee" in the Financing Documents
*"Annual Fee" is referred to as the "Facility Fee" in the Financing Documents

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

Yes, you can settle your loan any time you prefer without paying an early settlement fee.

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

Withdrawal or drawdown means a submission of request for financing from the platform.

Please be informed that you can submit up to 2 withdrawal requests per month with a min amount of RM5,000 per withdrawal.


Silk Road is a digital financing system developed by Funding Societies. Through Silk Road, you may view your facility details and manage your facility usage (e.g. withdrawals). Additionally, you may also view your drawdown and financing status via Silk Road.

 * Terms and conditions apply.


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


[email protected]
General Enquiries:
+65 6221 0958

Sales Enquiries:
+65 6011 7534

112 Robinson Road
Level 8
Singapore 068902


[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


SME Loan
[email protected]
+66 93 139 9721

[email protected]
+66 62 197 8661

No. 188, Spring Tower,
10th Floor, Phayathai Road,
Thung Phaya Thai Sub-district,
Ratchathewi District,
Bangkok, 10400


[email protected]
(+84) 28 7109 7896

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Thao Dien Ward, Thu Duc City,
Ho Chi Minh City, Vietnam

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

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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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