- SME Financing
- Micro Financing/-i
Boost your cash flow in 5 days. - Business Term Financing - Portfolio Guarantee (PG)
Partially secured by CGC - Business Term Financing/-i
Finance your business growth. - Invoice Financing/-i
Convert your invoices into cash. - Tailored for used car dealerships.
Tailored for used car dealerships. - Property-Backed Secured Financing
Leverage your property for funds
- Micro Financing/-i
- Invest
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Micro Financing/-iBoost your cash flow in 5 days.
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Business Term Financing - Portfolio Guarantee (PG)Partially secured by CGC
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Business Term Financing/-iFinance your business growth.
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Invoice Financing/-iConvert your invoices into cash.
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Dealer FinancingTailored for used car dealerships.
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Property-Backed Secured FinancingLeverage your property for funds
Micro Credit Line
Have ready access to cash for inventory purchase, supplier payment or as an emergency fund.
Apply for the facility now and drawdown anytime.
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Facility limit up to RM100,000
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Facility limit re-credited upon full settlement
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Serve interest and fee on a monthly basis
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No collateral required
Why Micro Credit Line?
Fast
Request a withdrawal and receive financing in 2 working days
Transparent
No hidden fees. Pay interest of
1.5% p.m. and fee of 1% on the
approved withdrawal amount
Simple
100% online application and withdrawal process. Min documents required
Flexible
Plan your cash flow and repay the principal according to your cash flow cycle.
How Micro Credit Line Works:
Onboarding
Complete the application form and receive the approval within 3 working days*. E-sign the agreement upon approval.
Withdrawal
Submit your withdraw request at any time within the availability period and receive the financing within 2 working days*
Repayment
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*
Micro Credit Line is open to
- SSM registered business/company
- Minimum 30% local shareholding by Malaysians
- Minimum RM5,000 in company revenue per month
- Minimum 6 months in operations

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.
Frequently asked questions
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What is Micro Credit Line?
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.
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How does Micro Credit Line work?
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”
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What is the availability period?
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
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How does the repayment work?
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
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How do I apply?
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. -
Are there any fees and charges?
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 -
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:
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Late Penalty Fee: RM250 per 7 calendar day
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Late Interest Fee: Up to 0.1% per day (non-compounded) on the amount in arrears
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Can I make an early settlement?
Yes, you can settle your loan any time you prefer without paying an early settlement fee.
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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
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What is a Withdrawal?
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.
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What is Silk Road?
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.
Malaysia
info@fundingsocieties.com.my
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
layanan@modalku.co.id
+62 877 7126 5290
Penerima Dana
info@modalku.co.id
+62 877 7873 6144
Unifam Tower, Jl. Panjang Raya
Blok A3 No.1, Kedoya Utara,
Kebon Jeruk, Jakarta Barat,
DKI Jakarta, 11520, Indonesia
Singapore
info@fundingsocieties.com
General Enquiries:
+65 6221 0958
Sales Enquiries:
+65 6011 7534
108 Robinson Road
#06-01
Singapore 068900
Thailand
SME Loan
info@fundingsocieties.co.th
+66 93 139 9721
Investment
invest@fundingsocieties.co.th
+66 62 197 8661
No. 188, Spring Tower,
10th Floor, Phayathai Road,
Thung Phaya Thai Sub-district,
Ratchathewi District,
Bangkok, 10400
Vietnam
info@fundingsocieties.vn
(+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
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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.
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