Funding Societies

Funding Societies | Modalku is the largest SME digital financing and debt investment platform in Southeast Asia. Investors, including individuals and institutions jointly invest in financing to SMEs and earn returns in the form of interests. Diversify your investment portfolio by investing in creditworthy local SMEs.
No minimum balance. Low minimum investment amount. Short term & periodic repayments. No hidden fees, no withdrawal fees, investors just pay a one-time fee when they earn interest.
Backed by Sequoia India, Softbank Ventures Asia Corp, SGInnovate, and many others, Funding Societies has facilitated over S$2.38B worth of business loans. Since its launch, it has received multiple awards:
MAS FinTech Award (2016)
Global SME Excellence Award at the United Nations’ ITU Telecom World (2017)
Brands for Good (2019)
The 5 fastest growing FinTechs in Singapore by IDC (2020)
Stevie® Award for Innovation in Technology (2020)
ASEAN Startup of the Year by Global Startup Awards (2020)
Types of Investment Products (Might vary by countries)
Guaranteed Returns:
Guaranteed Property-backed Investment
Guaranteed Returns Investment
Asset-backed:
Property-backed Secured Investment
Dealer Financing Investment
Others:
Invoice Financing Investment / Accounts Payable Financing Investment/ Accounts Receivable Financing Investment
Revolving Credit Investment
Business Term Investment
Key Features
Investment starts from S$20 in Singapore, RM100 in Malaysia, Rp100,000.00 in Indonesia and THB10,000 in Thailand
Re-invest quickly with regular repayment for most products
Investment tenor up to 12 months (Singapore) and 24 months (Malaysia, Indonesia and Thailand)
Investors’ funds are kept in a 3rd party escrow account
Advocate ‘Skin in The Game’ philosophy by investing into the notes put up on our platform alongside our investors
Set up Auto Invest / Planned Funding and let the system automatically deploy funds for you based on your investment preferences
Individual Singaporean investors in Singapore can enjoy tax exemption on the interest returns from year 2020 onward
Pricing aligned with investors’ interests
We charge one simple and all inclusive fee from the total interest earned. Investors only pay the service fee when they receive their repayments from the SMEs.
Singapore: 18% of Interests
Malaysia: Varies across products (Business Term - 2% p.a. of Principal and Interests; Others - 15%-30% of Interests)
Indonesia: 3% p.a. of Principal and Interests
Thailand: 3% p.a. of Principal and Interests
Steps to Sign Up
Step 1: Register for an account
Step 2: Fill in the required information (Usage of MyInfo is available in Singapore)
Step 3: Make an initial deposit to activate your account (S$20 in Singapore, RM100 in Malaysia, Rp100,000.00 in Indonesia)
Step 4: Start investing
Disclaimer:
All investments carry risks. Please ensure that you fully understand the risks involved by reading the Risk Disclosure Statement. The provided images are for display purposes only and are not representative of actual results.
Funding Societies Singapore (Funding Societies Pte. Ltd.)
Licensed by the Monetary Authority of Singapore (MAS) - CMS100572
Please contact [email protected] or call us at +65 6221 0958
Funding Societies Malaysia (Modalku Ventures Sdn Bhd)
Licensed by the Securities Commission Malaysia (SC) - 1190266X
Please contact [email protected] or call us at +603 2202 1013
Modalku (PT Mitrausaha Indonesia Grup)
Licensed by the Indonesia Financial Services Authority (OJK) - 77/POJK.01/2016
Please contact [email protected] or call us at +62 878 6500 8311
Funding Societies Thailand (FS Siam Co., Ltd.)
Licensed by the Securities and Exchange Commission (SEC)
Please contact [email protected] or call us at +66 93 139 9721
Operating hours: Monday to Friday, 9:00 AM to 6:00 PM (excl. public holidays observed in the respective countries)