In partnership with
With additional financing,
the possibilities are endless.
Having a little extra working capital could do wonders for your business. You could use it to expand your footprint, strengthen your workforce, or even streamline your entire operations – the sky’s the limit!
And through our partnership with Funding Societies, you can easily secure the additional funding you need to build the business of your dreams. Get started today!
Get started today!
Apply here
Easy online application
Fuss-free documentation
Fast approval 48 hours
No collaterals needed
No retention sum withheld
Customer Testimonial
Ben Zainal,
Heron Solutions
“As a growing company that offers home and business security solutions, we need financing to maintain cash flow in order to cover a variety of business expenses, including long payment terms for our clients. We are very grateful to Funding Societies for providing a short-term financing solution to us when we need it the most, helping us to improve our cash flow and grow our business further.”
Ben Zainal,
Heron Solutions
So, are you ready to
expand your business?
How does it work?
Step 1
Once you're ready, fill the application form and submit
Step 2
Check for financing application approval
Step 3
Received disbursement upon offer accepted
Who can apply?
  • Registered as sole proprieter, partnership, private limited company, non-listed public limited company or limited liability partnership company.
  • Have at least 6 months of active monthly transactions.
Apply here
Any questions?
Most Asked Questions

FAQ is provided by Funding Societies (Modalku Ventures Sdn Bhd)

What is FS Micro Financing about?

This is a micro term financing product designed especially for Malaysian SMEs for their working capital needs, productive asset purchases, and/or business growth requirements. No collateral is required.

As long as your company is an entity registered with SSM with a minimum of 30% Malaysian-shareholding and is not a subsidiary of or is not a listed company, your company is eligible to apply for this product.

What are the documents required for FS Micro Financing?
  • NRIC (Malaysian) / Passport (Non-Malaysian) of all Directors and Personal Guarantors
  • Latest Company Registration Forms
  • Latest Bank Statements (6 months)

Note: Funding societies may request for additional documents to support your financing application where applicable.
What do I get from FS Micro Financing?

Financing Amount

Up to RM50,000.00 for eligible Malaysian based companies.
Up to RM100,000.00 for eligible Malaysian based private limited companies.

Financing Tenure

Up to 18 months for eligible Malaysian based companies.

Interest Rate

0.8% to 1.5% per month

What are the charges do I have to pay for FS Micro Financing?

Application Fee

Funding Societies does not charge applicants any application fee.

Guarantee Fee

Funding Societies charges a guarantee fee (5% of the approved financing amount) upon successful disbursement.
If the offer is declined by the applicant prior to disbursement, the applicant will not be charged for this.

Utilisation Fee

Funding Societies charges a utilisation fee (5% of the approved financing amount) upon successful disbursement. IF the offer is declined by the applicant prior to disbursement, the applicant will not be charged for this.

Retention Sum

Waived for all financing applications under the Funding Societies x U Mobile (GoBiz) collaboration.
Please ensure that your application is submitted via the approved channels to be waived for the retention sum.

What are the installments per month for FS Micro Financing?

Kindly refer to the illustration below for your reference. Do note that this is only a reference, as the financing amount and tenure you can apply for is flexible, subject to the product terms stated above.

Financing Tenure (months)
Financing Amount 3 6 12 18
RM 5,000.00 RM 1,716.67 RM 883.33 RM 466.67 RM 327.78
RM 10,000.00 RM 3,433.33 RM 1,766.67 RM 933.33 RM 655.56
RM 20,000.00 RM 6,866.67 RM 3,533.33 RM 1,866.67 RM 1,311.11
RM 30,000.00 RM 10,300.00 RM 5,300.00 RM 2,800.00 RM 1,966.67
RM 40,000.00 RM 13,733.33 RM 7,066.67 RM 3,733.33 RM 2,622.22
RM 50,000.00 RM 17,116.67 RM 8,833.33 RM 4,666.67 RM 3,277.78
RM 100,000.00 RM 34,333.33 RM 17,666.67 RM 9,333.33 RM 6,555.56
What if I require more than what FS Micro Financing offers?

Through Funding Societies x U Mobile (GoBiz) collaboration, you may also apply for FS Business Term Financing, where the financing amount is up to RM1,000,000.00, the financing tenure is up to 18 months, the interest rate is up to 16% per annum and the utilisation fee is 4%. To be eligible, your company must be at least one (1) year in operations with a minimum of RM1,000,000 annual turnover to apply. Do note that your application would be subjected to a more elaborate assessment and documentation as compared to FS Micro Financing.

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