Term Financing

Scale Up

with Clean Business Financing

  • Financing up to RM 1.5 million

  • Interest rate between 1.0% - 1.5% per month

  • No collateral required

FS Term Financing is open to

  • Sole proprietorship, partnership, limited liability partnership, private limited company (non-subsidiary of a listed company) or unlisted public limited company registered with SSM

  • Minimum 30% local shareholding by Malaysians

  • Minimum RM 1 million revenue per annum

  • Minimum 1 year in operations

The Term 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 Options

Repayment tenures up to 24 months, so as not to put a strain on your finances.

How To Apply?

Sign up as a borrower

Complete the application and submit the following documents:

  • 6 Months Bank Statement

  • Director(s) NRIC copy

  • Latest Audited Report

  • Signed Copy of Consent Form

Financing offer

We will review your application, and upon approval offer you a financing amount.
If you are happy, simply accept the offer.1

Contract and Disbursement

Once you receive the contract, send it back to us signed and sealed. We will disburse your funds within 48 hours of receiving your signed contract.

Why Funding Societies?

Registered with Securities Commission Malaysia

Largest Peer-to-Peer Financing Platform in Southeast Asia

Disbursed more than
RM 4.3 billion to over
2 million notes

More than 800,000
SMEs registered with us
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.

This product can offer you a financing of up to RM 1.5 million with an interest rate of as low as 0.8% per month

There is no collateral required. When your financing is approved it will be credited into the your designated business bank account. Your monthly installment will be ‘P+I’ meaning principal + interest.

For BTF there is a flexible financing tenure of up to 24 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: 

Utilisation 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:

  • Late Penalty Fee: RM500 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.  


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

Phone: +603 2202 1013
Email: [email protected]


lockSSL Secure Site

Get the investor app

Get the borrower app

1. Terms & conditions apply

Registered with Securities Commission Malaysia.
Modalku Ventures Sdn Bhd 201601019329 (1190266X)
© 2020 Modalku Ventures Sdn Bhd. All rights reserved.