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SME Micro Financing

Small business financing simplified

What would you do with up to RM200,000 of capital boost?

  • Apply in 5 minutes

  • Get the money in less than 5 days

  • Rates between 0.8% - 1.5% per month

  • Tenure up to 18 months

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We've financed thousands of SMEs in Malaysia and Southeast Asia. Restaurant, convenience store, or delivery service, we want to help you grow your business with Micro Financing.

Need financing for your e-Commerce business? You're in the right place! Update your supply, or upgrade your payment gateway, get Micro Financing and expand your online business.

FS Micro Financing is open to

  • Sole proprietorship, partnership, or private limited companies registered with SSM

  • Minimum 30% local shareholding by Malaysians

  • Minimum RM 60,000 revenue per annum (or RM5,000 per month)

  • Minimum 6 months in operations

Got questions? Click the floating bubble at the bottom of your screen to chat with us!

The Micro Financing solution for your business needs


Quick online application and approval within 2 working days. Fast disbursement of financing within 24 hours of approval.

Transparent Pricing

We charge a one-off utilisation fee upon disbursement and a regular interest rate. There are no hidden fees.

Simple Documentation

You only need to have 3 basic business documents at hand,
for your financing application

No Collateral

We focus on your business potential instead of your assets.

How to apply?

Complete the application form

It will only take a few minutes and you can resume at any point within 30 days.

Financing offer

We will review your application and make a tentative offer within 2 working days.

E-sign contract and receive funds

After your financing has been approved,
simply e-Sign the contract and receive the funds in your business bank account.

Apply now

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 200,000

Why Funding Societies?

Registered with Securities Commission Malaysia

Largest SME digital financing platform in Southeast Asia

Disbursed more than
RM 12.9 billion to over
5 million notes

More than 200,000
registered Investors
across SEA

Investors' funds managed
by Malaysian Trustees Berhad

Join our SME community

“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 business financing product that offers micro credit opportunities to SMEs. 
Best used to maintain cash flow and enhance your business day-to-day. 

With Funding Societies Micro Financing, you can apply for a financing amount of up to RM200,000 with an interest rate of 0.8% - 1.5% per month with a tenure of up to 18 months

Once you have accepted our offer, we will credit the approved financing amount to you, with any fees deducted from the amount. 

To manage your repayment, the monthly installment is calculated as ‘P+I’ (principal + interest).

With Funding Societies, depending on the nature of your financing, you could apply for a tenure of 6, 9, 12, or 18 months. 

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 credit the disbursement into your designated business bank account and your repayment cycle shall begin the following month.

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

  1. Utilisation Fee: 5% charged upon successful disbursement 

  2. Guarantee Fee: 5% charged upon successful disbursement

No fee will be deducted if the offer is declined. The above terms are updated as of 15/3/2021, if you wish to opt for our previous product terms, please inform the key account manager during the application process. 

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

  • Late Penalty Fee: RM200 per repayment cycle
  • Late Interest Fee: 0.1% per day (non-compounded) on the amount in arrears

Early repayments are always encouraged, as SMEs are able to save more on interest. 

Early repayments are subjected to a 2% early repayment fee on the remaining principal amount to partially compensate our investors on the loss of their residual interest.  


Pemberi Dana
[email protected]
+62 878 2325 1976

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]
+603 2202 1013

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


[email protected]
+66 93 139 9721

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


[email protected]
(+84) 28 7109 7896

2/F Sonatus Building,
15 Le Thanh Ton,
Ben Nghe Ward,
District 1,
Ho Chi Minh City, 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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