Funding Societies

Invest now for attractive and reliable returns or apply for business loans!

Funding Societies | Modalku is the largest P2P Lending platform in Southeast Asia. Investors including individuals and institutions jointly invest in financing to SMEs and earn returns in the form of interests. Get an opportunity to invest in creditworthy local SMEs as a means to diversify your investment portfolio.

No min. balance. Low min. investment amount. Short term & periodic repayments.

Backed by SGInnovate, Sequoia India, Softbank Ventures Asia Corp and many others, Funding Societies has facilitated over S$1.83B worth of business loans crowdfunded. Since launching in 2015, we have received multiple awards such as the MAS FinTech Award in 2016, the Global SME Excellence Award at the United Nations’ ITU Telecom World in 2017, Brands for Good in 2019, recognised by IDC as amongst the 5 fastest growing FinTechs in Singapore, and the Stevie® Award in 2020.

Types of P2P Investment Products (Might vary by countries)
Guaranteed Returns:
Guaranteed Property-backed
Guaranteed Returns

Asset-backed:
Property-backed
Dealer Financing

Others:
Invoice Financing / Accounts Payable Financing / Accounts Receivable Financing
Revolving Credit
Business Term

Key Features
Investment starts from S$20 in Singapore, RM100 in Malaysia, Rp100,000.00 in Indonesia
Ability to re-invest quickly with regular repayment for most products
Investment tenor up to 12 months in Singapore and 24 months in Malaysia & Indonesia
Investors’ funds are kept in a 3rd party escrow account
We 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

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