Empower Business Growth with

Property-Backed Secured Financing

Leverage Your Property's Value to unlock immediate funding for business expansion

  • Financing up to RM 2 million

  • Up to 60% of property value

  • Interest as low as 8% p.a.

Apply now

Property-Backed Secured Financing is open to

  • Sole proprietorships, partnerships, limited liability partnerships, private limited companies (non-subsidiary of a listed company), unlisted public companies, or public listed companies and subsidiaries.

  • Minimum 30% local shareholding by Malaysians

  • Minimum RM 1 million revenue per annum

  • Minimum 12 months in operations

Maximise your property potential to fuel your business expansion

Competitive Rates

Benefit from competitive and lower interest rates compared to unsecured financing options.

Collateral Flexibility

Our secured financing allow SMEs to use various types of properties as collateral, providing flexibility for businesses with diverse real estate assets.

Application Journey

Check Eligibility

  • Company Registration Forms

  • Copy of all Director(s) NRIC/Passport

  • Latest 6-months Company Bank Statement

  • Statement of Consent

  • Copy of Property Title (Individual title/Strata title)

Financing Application

Submit your documents for us to review, we may request additional documents to support your application.

Financing Offer & Disbursement

We aim to revert to you soon upon collection of full and complete documents. Once approved and accepted, we will disburse the funds upon successful completion of the process.

Frequently asked questions

Property-backed secured financing is a financial solution wherein small and medium-sized enterprises (SMEs) can use their properties as collateral to secure funds. This method offers businesses a dependable method for accessing funds, enabling them to utilize their property assets to foster growth and meet financial requirements.

This product can offer you a financing of up to RM 2 million with an interest rate as low as 8% per annum.

Once you have accepted our offer, we will disburse the approved financing amount to you, with applicable fees deducted upfront from the amount.

Applicants may request a tenure of up to 12 months for this financing. The approved tenure will be determined based on the financing amount and the applicant's repayment capability, subject to approval.

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 all the documents required for this application

  • Company Registration Forms
  • Copy of all Director(s) NRIC/Passport
  • Latest 6-months Company Bank Statement
  • Statement of Consent
  • Copy of Property Title (Individual title/Strata title)

*Note: Additional financial documents may be required for financing applications above RM500,000

Step 3: Wait for our team to reach out for financing approval confirmation
Step 4: Accept our financing offer (If you’d like)

We will credit your money into a designated business bank account and begin your repayment cycle in the next following month.

In order to be eligible for Property-Backed Secured Financing, certain criteria must be met: 

  • ​The property must be located within Klang Valley.
  • Financing is not available for property purchases.
  • Eligible property types include Residential, Industrial, or Commercial properties with standard designs; must have a Certificate of Fitness (CF) or Certificate of Completion and Compliance (CCC).
  • Both freehold and leasehold properties are accepted with a minimum remaining lease of 35 years is required at the time of application. 


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

  • Late Penalty Fee: RM500 per repayment cycle
  • Late Interest Fee: 0.1% per day (non-compounded) on the amount in arrears

Yes. There is no early settlement fee for this product and SMEs are able to save on future interest.

Yes, legal and valuation fees can be incorporated into the loan amount, offering applicants the convenience of consolidating these costs within the Property-Backed Secured Financing package.


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

The Sentry P
16 Nguyen Dang Giai Street,
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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