Funding Societies review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Funding Societies suits Singapore businesses that need a modest fixed-rate facility, hold the required shareholding and can give a director guarantee. Borrowings run SGD 10,000 to SGD 150,000 over terms of 18 for business, credit line and secured needs, early repayment is free, and money lands As fast as 24 hours after approval and e-signature.

Key facts

Best for
A Singapore business needing a modest fixed-rate loan with funding that moves fast.
Loan amount
SGD 10,000 to SGD 150,000 (Source, checked September 26, 2026)
Term
18 months (Source, checked September 26, 2026)
Arrangement fee
Origination (service) fee from 3.5% (Business Term Loan PRO) to 5% (Business Term Loan), charged on disbursement (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
As fast as 24 hours after approval and e-signature (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Singapore registered Pte Ltd or LLP, 6 months minimum operating history, 30% shareholding by a Singapore Citizen or Permanent Resident, personal guarantee from at least 1 director (Source, checked September 26, 2026)
Origination fee (%)
3.5% to 5% (Source, checked September 26, 2026)
Loan types
Business, Credit-line, Secured (Source, checked September 26, 2026)
Legal entity
Funding Societies Pte. Ltd. (Source, checked September 26, 2026)
Headquarters
Singapore (Source, checked September 26, 2026)
Founded
2015 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Official website
fundingsocieties.com

Apps and profiles

Elsewhere
WikidataWikipediaXLinkedInshare.google

Pros and cons

Pros

  • Funding of As fast as 24 hours after approval and e-signature, on a feature shared by 82.9% of the brands on the site.
  • fixed rate lending with a fixed rate, so monthly repayments stay level through the term.
  • Free early repayment, so settling ahead of schedule costs nothing extra.
  • Regulated in Singapore: the Monetary Authority of Singapore (MAS) Capital Markets Services licence CMS100572.

Cons

  • An origination (service) fee in the range 3.5% to 5%, charged on disbursement, with the standard Business Term Loan at the higher end of it.
  • A hard credit check, the same approach taken by 72.7% of the brands on the site.
  • A term of 18, below the 42 median term for business loans, so repayments are front loaded.
Funding Societies

Ready to try Funding Societies?

Scored 9.0 / 10 by BorrowCue.

See alternatives

Who it suits

  • Registered Singapore businesses with a minimum operating history and a shareholder who is a Singapore Citizen or Permanent Resident.
  • Owners prepared to give a personal guarantee from a director.
  • Borrowers who want a credit line as well as a term loan, since the range covers business, credit line and secured products.

Who should look elsewhere

  • Borrowers outside Singapore, who should compare Creduma ES instead, with amounts of from €12,000.
  • Anyone chasing a much larger facility, where Sofkredit offers amounts of €12,000 to €300,000.
  • Borrowers after a smaller ticket than SGD 10,000 to SGD 150,000, since Solcredito MX caps out at up to MXN 100,000.

How it compares on our data

On loan amount, Funding Societies ranks 128 of 685. On term it sits at 160 of 232. Both placements are well down the tables of lenders compared here, which fits a brand that covers a single market with business, credit line and secured products rather than a broad retail book.

How Funding Societies compares

Where Funding Societies is available

Available
Indonesia, Malaysia, Singapore, Thailand, Vietnam
Licence in Singapore
Monetary Authority of Singapore (MAS) - Capital Markets Services licence (CMS100572), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does Funding Societies lend for?+

The range covers business, credit line and secured products, and it lends directly as direct lender rather than passing the application on. The entity behind the brand is Funding Societies Pte. Ltd., based in Singapore, and it has traded since 2015.

How much can I borrow, and over what term?+

Loan amounts run SGD 10,000 to SGD 150,000, and the standard term is 18. That sits below the 42 median term for business lenders on the site, so a larger draw is repaid quickly but the monthly figure is higher.

What will the arrangement fee cost?+

An origination (service) fee is charged on disbursement, sitting in the range 3.5% to 5%. The lower rate applies to the Business Term Loan PRO and the higher rate to the standard Business Term Loan, so the product you pick sets the cost of setting up the facility.

Who can apply for a Funding Societies loan?+

The borrower must be a Singapore registered entity, either a Pte Ltd or an LLP, with a minimum operating history behind it. Shareholders must include a Singapore Citizen or Permanent Resident holding the required stake, and a personal guarantee from a director is part of the deal, with lending based in Singapore.

Which regulator licenses Funding Societies?+

The brand holds a Monetary Authority of Singapore (MAS) Capital Markets Services licence, CMS100572, and the lending entity sits in Singapore. Loans come with a fixed rate, listed as fixed, so the cost of the facility does not move after it is agreed.

How quickly is money paid out?+

The stated timing is As fast as 24 hours after approval and e-signature. That means the clock starts once the application is approved and the documents are signed electronically, so a straightforward file can move through e-signature and into the account quickly.

What credit check do they run?+

The check is a hard one, which is also the most common approach on the site at 72.7%. Personal guarantees and director involvement therefore sit alongside the credit file, and the applicant's own history carries weight in the decision.

Does Funding Societies lend the money itself or pass my application on?+

It is a direct lender, so the approval and the funding sit with the brand rather than a panel of funders. That is also the most common structure among lenders on the site, at 72.1%, which keeps the discussion about your own file.

How do I reach the business if something goes wrong?+

Support runs through email, phone and help centre, so an application can be chased by email, by phone or through the help centre. That mix suits a small owner-run company that would rather talk to a person than work through a form.

Sources

  • fundingsocieties.com checked September 26, 2026

    Backs: Founded, Headquarters, Legal entity, Loan types, Support channels, Licences

    “Launched in 2015, our mission is to uplift societies in Southeast Asia”

  • fundingsocieties.com/micro-loans checked September 26, 2026

    Backs: Loan amount, Credit check, Eligibility, Free early repayment, Funding time, Lender type, Term

    “Micro Loans are small unsecured loans between $10,000 to $150,000 to fuel your SME business”

  • fundingsocieties.com/term-loans checked September 26, 2026

    Backs: Pricing model, Arrangement fee, Origination fee (%), Rate type

    “Flat interest is charged over the loan tenor”

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Representative example.

Funding Societies

Funding Societies

A Singapore business needing a modest fixed-rate loan with funding that moves fast.

9.0/10See alternatives

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