fundingsocieties.com

# Funding Societies

> Funding Societies (operating as Modalku in Indonesia) is Southeast Asia's largest SME digital financing and debt investment platform, founded in 2015 and headquartered in Singapore, with regional operations in Indonesia, Malaysia, Thailand, and Vietnam. It connects small and medium enterprises seeking working capital (SGD 10K to S$4M, from micro loans to property-backed secured financing) with individual and institutional investors who fund these loans and earn interest as debt investments. Funding Societies Pte. Ltd. is a Capital Markets Services licensee regulated by the Monetary Authority of Singapore (CMS License No. CMS100572); across other markets it operates under local regulatory frameworks specific to each country.

Products offered to investors on this platform are debt investments (interest-bearing notes), not bank deposits, and are not capital-guaranteed — investing carries risk of principal loss. Business financing products are commercial loans/financing facilities, distinct from the investment notes offered to funders. See the Risk Disclosure Statement for full regulatory and risk detail before using either side of the platform.

## For Businesses

- [SME Loans Overview](https://fundingsocieties.com/sme-loans): Overview of all seven SME financing products — start-up financing, micro loans, business term loans, property-backed secured financing, accounts payable/receivable financing, and trade term loans — for Singapore-registered SMEs, with financing up to S$4 million and disbursement in as little as 24 hours.
- [Start-Up Financing (Beta)](https://fundingsocieties.com/startupfinancing): Early-stage financing of S$10K–20K for young businesses, with 0% interest on timely repayment.
- [Micro Loans](https://fundingsocieties.com/micro-loans): Unsecured loans up to S$150K for SMEs, disbursed within 24 hours, aimed at quick working capital needs.
- [Business Term Financing / Term Loans-i](https://fundingsocieties.com/term-loans): Unsecured working capital loans for Singapore-registered private companies and LLPs; Standard BTL up to S$1M (12-month tenor, from 5% origination fee) and BTL PRO S$100K–300K (12–18 month tenor, from 3.5% origination fee), with disbursement in 7 days or 48 hours fast-track. Requires 6+ months operating history, 30% local ownership, and S$500K+ annual turnover.
- [Revolving Credit Line](https://fundingsocieties.com/revolving-credit-line): A reusable credit facility SMEs can draw down and repay repeatedly for ongoing working capital needs, rather than a one-time term loan.
- [Accounts Payable (AP) Financing](https://fundingsocieties.com/accounts-payable-financing): Extends supplier payment terms so businesses can manage cash flow while paying vendors on time.
- [Accounts Receivable Financing](https://fundingsocieties.com/accounts-receivables-financing): Converts outstanding invoices into immediate cash, helping businesses bridge the gap while waiting on customer payments.
- [Property-Backed Secured Financing](https://fundingsocieties.com/property-backed-secured-financing): Secured financing up to S$4M, up to 80% of property valuation, for SMEs able to pledge property as collateral.
- [GXS Biz Property-Backed Loan](https://fundingsocieties.com/gxs-biz-property-backed-loan): A co-branded property-backed secured loan offered in partnership with GXS Bank.

## For Investors

- [Investment / For Investors](https://fundingsocieties.com/investment): Debt investment platform offering Property-backed Secured Investment (4–8% p.a.), and Invoice Financing, Revolving Credit, and Business Term Investment (8–18% p.a. each). Minimum SGD 20 per note with a SGD 100 account activation deposit; open to individual investors (21+), family offices, and institutional investors such as fund managers. Regulated as a Capital Markets Services licensee by MAS (CMS100572); funds are held via an escrow agent and Funding Societies co-invests alongside investors ("Skin in the Game").
- [Investor login](https://app.fundingsocieties.com/log-in/investor): Login portal for existing investors to access their investment dashboard.
- [Investor FAQ / Help Centre](https://help.fundingsocieties.com/en): Help centre covering investor and business FAQs, onboarding, and platform support.

## Partnerships

- [Partner With Us](https://fundingsocieties.com/partners/): Overview of four partnership tracks — Referral Partner (refer clients for fast funding), Solution Vendor Partner (embed BNPL/installment financing for customers), Supply Chain Partner (extend buyer payment terms while accelerating supplier payments), and Platform Partner (API-based embedded financing).

## Company & Resources

- [About Us](https://fundingsocieties.com/about-us): Company history, mission, "GET FS" core values, and leadership team including Co-Founder & Group CEO Kelvin Teo and Co-Founder Reynold Wijaya. Founded 2015; over S$2 billion in regional business loans financed; backed by investors including SoftBank Ventures Asia and Sequoia India.
- [About Funding Societies Pte. Ltd.](https://fundingsocieties.com/about-us/fspl): Details on the Singapore legal entity, Funding Societies Pte. Ltd., its CMS licence, and related group entities (FS Capital Pte. Ltd., FS Technologies Pte. Ltd., CardUp Pte. Ltd.).
- [Statistics / Progress](https://fundingsocieties.com/progress): Platform-wide performance metrics and impact statistics across all markets.
- [Customer Testimonials](https://fundingsocieties.com/customer-testimonial): SME customer stories describing how financing was used to grow their businesses.
- [Case Studies](https://fundingsocieties.com/case-studies): In-depth case studies of SME borrowers who used Funding Societies financing.
- [Careers](https://fundingsocieties.com/career): Open roles and information on working at Funding Societies across its Southeast Asian offices.
- [Sustainability](https://fundingsocieties.com/sustainability): The company's sustainability commitments and ESG-related initiatives.
- [Blog](https://blog.fundingsocieties.com): Articles on SME financing, cash flow management, and small business growth topics.
- [Monthly Newsletter](https://fundingsocieties.com/newsletter-library): Archive of the company's recurring SME-focused newsletter.
- [In the News](https://fundingsocieties.com/in-the-news/2026): Media coverage and news mentions of Funding Societies.
- [Press Releases](https://fundingsocieties.com/press/2025): Official company press releases and announcements.

## Legal & Compliance

- [Terms of Use](https://fundingsocieties.com/terms-of-use): General terms of use governing the fundingsocieties.com website and platform services.
- [Privacy Notice](https://fundingsocieties.com/privacy-notice): How Funding Societies collects, uses, and protects personal data of users, businesses, and investors.
- [Risk Disclosure Statement](https://fundingsocieties.com/risk-disclosure): Regulatory and risk disclosures for the debt investment products offered, including that investments are not capital-guaranteed and carry risk of loss.
- [Vulnerability Disclosure Program](https://fundingsocieties.com/vdp): Responsible disclosure process for reporting security vulnerabilities found on Funding Societies' digital properties.
- [Terms of Use for AI-Powered Chatbot](https://fundingsocieties.com/ai-chatbot-terms-of-use): Terms specific to use of the site's AI chatbot assistant.

## Optional

- [Best AI Tools for SMEs](https://fundingsocieties.com/best-ai-tools-for-smes): A curated resource page listing AI tools useful for small and medium business owners.
- [Leadership Team](https://fundingsocieties.com/about-us#leadershipteam): Section of the About Us page profiling the executive leadership team.
- [Whitepaper: Credit Line with Add-on Virtual Cards](https://assets.ctfassets.net/zie87honde9j/iqisPJDDSBozHBVtYv6P5/bd91cb8598dac107cf193d11a560df17/Whitepaper__Credit_Line_with_add-on_Virtual_Cards__1_.pdf): A whitepaper detailing the revolving credit line product bundled with virtual card functionality.

## Company Details

- Legal name: Funding Societies Pte. Ltd. (Singapore), operating as Modalku in Indonesia; regional entities in Malaysia, Thailand, and Vietnam.
- Founded: 2015.
- Headquarters: 108 Robinson Road, Singapore.
- Regulator: Capital Markets Services licensee regulated by the Monetary Authority of Singapore (CMS License No. CMS100572); other markets regulated under respective local frameworks.
- Related entity: CardUp Pte. Ltd., holder of Major Payment Institution License PS20200484.
- Website: https://fundingsocieties.com/