Business Term Financing/-i

Unlock your business growth

with Quick Capital Injection

  • Financing up to RM 500,000

  • Rates between 1.0% - 1.5% per month

  • Tenure up to 18 months

  • No collateral required

  • Shariah financing available

Term Financing up to RM1 million

FS Term Financing/-i is open to

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

  • Minimum 30% local shareholding

  • 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 Financing solution to grow your business

No Collateral Financing

We focus on your business potential and want to help you grow.

No Hidden Fees

What you see is what you get. Aside from what is displayed, there are no other fees or charges.

Quick Application

We have an online application that saves you the hassle of having to leave the comfort of home, or work.

Flexible Repayment

Flexible repayment tenures to suit your business needs.

Application Journey

Check Eligibility

Leave your contact information. Our team will contact you within 2 working days.
Then, prepare the following documents:

  • Copy of all Director(s) NRIC/Passport

  • Latest 6 months bank statements, and

  • Latest Audited Accounts & Management Accounts

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 within five (5) working days upon collection of full and complete documents. Once approved and accepted, we will disburse the funds upon successful completion of the investment process.

Why Funding Societies?

Registered with Securities Commission Malaysia

Largest SME digital financing platform in Southeast Asia

Disbursed more than
RM 17.8 billion to over
5 million notes

More than 200,000
registered Investors
across SEA

Investors' funds managed
by Malaysian Trustees Berhad

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

Business Term Financing (BTF) is an unsecured (no collateral needed) business financing product for SMEs to enhance and grow their businesses. We offer both Business Term Financing (conventional) and Business Term Financing-i product based on the business activities and needs of the SMEs.

With Funding Societies Business Term Financing/-i, you can apply for a financing amount of up to RM500,000 subject to an interest rate (for conventional) / profit rate (for Islamic) of 1.0% - 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. 

For Business Term Financing/-i there is a flexible financing tenure of up to 18 months. This is calculated based on your financing amount and repayment capability.

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 Bank Statement

  • Latest Audited Accounts & Management Accounts (if available)

Step 3: Wait for your email confirmation for financing approval

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. 

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

Business Term Financing
Origination Fee: 4% of the approved financing amount, deducted upon disbursement.

Business Term Financing-i
Drawdown Fee: 4% of the approved financing amount, deducted upon disbursement.

If you are late in making your repayments, the following fees/charges will be imposed:
Business Term Financing
Late Penalty Fee: RM500 per repayment cycle
Late Interest Fee: 0.1% per day (non-compounded) on the amount in arrears

Business Term Financing-i
For default payment before maturity date: 1.00%  per  annum will be imposed on the overdue instalments/payments.
For default payment after maturity date: 10.00%  per  annum  will be imposed  on  the  outstanding instalments/payments.

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

For Business Term 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:

  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

You may not be eligible for Business Term Financing-i.


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

lockSSL Secure Site

Get the investor app

1. Terms & conditions apply

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.