- 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
- About Us
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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.
FS Micro Financing/-i
Small business
financing simplified
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Financing up to RM200k in less than 5 days
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Rates between 0.8% - 1.5% per month
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Tenure up to 18 months
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Shariah financing is available
The Micro Financing/-i
solution for your
business needs
Fast
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.
Micro Financing/-i 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

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.
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 Financing/-i?
Funding Societies Micro Financing/-i is a business financing product that offers micro credit opportunities to SMEs. As a business owner, you can utilise the opportunities to maintain cash flow and enhance your business day-to-day. We offer both Micro Financing (conventional) and Micro Financing-i product based on the business activities and needs of the SMEs.
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How does Micro Financing/-i work?
With Funding Societies Micro Financing/-i, you can apply for a financing amount of up to RM200,000 subject to an interest rate (for conventional) / profit rate (for Islamic) of 0.8% - 1.5% per month and a credit period of up to 18 months.
Once you have accepted our offer, we will credit the approved financing amount to you, with applicable fees deducted upfront from the amount.
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How long is the credit period?
Depending on your needs and the nature of your financing, you could apply for a credit period/tenure of 6, 9, 12, or 18 months.
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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. You can apply online in just 5 minutes
Step 1: Complete the Application form on our page
Step 2: Submit the documents required for the application
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Copy of all Director(s) NRIC/Passport
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Latest 6-months Bank Statement
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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 funds into your designated business bank account upon successful funding exercise and your repayment cycle shall begin the following month.
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Are there any fees and charges?
Just like any other financing product, the following fees/charges will be applicable:
Micro Financing-i
- Drawdown Fee: 5% of the approved financing amount, deducted upon disbursement.
- Guarantee Fee: 5% of the approved financing amount, deducted upon disbursement.
Micro Financing(Conventional)
- Utilisation Fee: 5% of the approved financing amount, deducted upon disbursement.
- Guarantee Fee: 5% of the approved financing amount, deducted upon disbursement.
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What if I can’t make my payments on time?
Micro Financing-i
Late Payment Charges, comprising Compensation (Ta’widh) and Penalty (Gharamah), will be applied under the following conditions:- For default payments before and after the maturity date: Compensation (Ta’widh) may be imposed at the rate of 1% p.a. on the overdue balance, which includes the overdue principal and accrued profit. Funding Societies may impose both Compensation (Ta’widh) and Penalty (Gharamah) as Late Payment Charges, subject to a maximum rate of 10% p.a.
Micro Financing (Conventional)
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
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Can I make an early settlement?
Early repayments are always encouraged, as SMEs are able to save more on interest and profit shared.
For Micro Financing (Conventional), the 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.
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What criteria can I use to determine whether my business is eligible for Micro Financing-i?
If your core business involves the trading of anything on the following list, you may not be eligible for SME Micro Financing/-i :
1. alcohol;
2. gambling;
3. pornography;
4. tobacco and dangerous drugs;
5. entertainment-related companies – such as karaoke lounges serving alcohol, film production houses producing mainly illicit movies, cinemas that typically screen entertainment-related movies;
6. pork and its by-products;
7. food items that are prohibited under the teaching of Islam such as frogs, snakes, crocodiles;
8. shariah non-compliant massage parlours that allow treatment from the opposite gender;
9. prostitution;
10. interest-based lending, including credit sales with interest charges;
11. conventional insurance and unit trust agencies; and/or
12. production and distribution of idols, statues, and materials and places for worshipping other than Allah.
*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.
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
112 Robinson Road
Level 8
Singapore 068902
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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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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