FS Micro Financing

Stay ahead,
stay boosted.

  • Fast approval within 48 hours

  • Financing up to RM 100,000

  • Tenure up to 12 months

  • Interest rate from 0.8% - 1.5% per month

Collaborative Partnership With

Eligibility Criteria:

  • Sole proprietorship, partnership, or private limited companies registered with SSM
  • Minimum 30% local shareholding
  • Minimum six (6) months in business operation

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

Get the financing you need to grow your business.

Fast Process

Simply apply online and get your cash in less than 5 days*

Fixed Interest Rate

Base rate goes up? Steady. Your interest remains unchanged throughout your financing term

Simple Documentation

Submit three basic documents and you are good to go!

No Collateral

We focus on your business potential instead of your assets.

Application Journey

Exclusively for Razer Vendors

Enjoy a waiver on the 5% Retention Sum!


Complete the application form which only takes a few minutes. We will reach out to you once we have received your application.


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


Accept the offer by e-Signing the agreement and receive the funds in your business bank account within one (1) working day.

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 RM 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

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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