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SME Micro Financing/-i

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

  • Shariah financing is available

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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.

Have a Shariah-compliant business and would like to keep it that way? Don't worry! With our Shariah-compliant SME micro-financing solution, you can.

FS 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

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

The Micro Financing/-i 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

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.

Check out our business solutions

Frequently asked questions

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.

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. 

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. 

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 funds into your designated business bank account upon successful funding exercise and your repayment cycle shall begin the following month.

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.

Micro Financing-i 
Late Payment Charges which consist of Compensation (Ta’widh) and Penalty (Gharamah) will be charged subject to the following conditions:

  • For default payment before maturity date: Compensation (Ta’widh) may be imposed at the rate of 1% p.a. on the overdue payment and shall not be compounded.
  • For default payment after maturity date: Compensation (Ta’widh) may be imposed at the rate of 1% p.a. on the overdue balance (overdue principal and accrued profit). Funding Societies may charge both Compensation (Ta’widh) and Penalty (Gharamah) as Late Payment Charges at 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


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. 

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.


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

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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