Provider profile · 2026 edition
Funding Societies review 2026: scores, costs and alternatives.
An SME lender that in Singapore offers accounts payable financing for worldwide purchases, receivables financing to 120 days and a trade term loan.
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An SME lender that in Singapore offers accounts payable financing for worldwide purchases, receivables financing to 120 days and a trade term loan.
Funding Societies is ranked in 2 Buckingham Intelligence indices. Its highest score is 2.7 out of 5 (54 out of 100) in the Trade Finance Index, where it ranks 7 of 14. It is strongest for singapore SMEs paying overseas suppliers, with 5 out of 5 for products. Not published or not stated on the pages read: legal status, published cost, speed, funding and history and standing.
Also ranked in: Revenue-Based and Working Capital Finance Index (1.9 out of 5, rank 9 of 12).
Scores from the Revenue-Based and Working Capital Finance Index and Trade Finance Index 2026.
| Segment | Score out of 100 | Rank |
|---|---|---|
| For importers | 52 | 7 of 14 |
| For exporters | 55 | 7 of 14 |
| For wholesalers | 54 | 7 of 14 |
| Segment | Score out of 100 | Rank |
|---|---|---|
| For online and retail brands | 42 | 9 of 12 |
| For software and subscription firms | 34 | 10 of 12 |
| For small businesses and merchants | 41 | 8 of 12 |
The score out of 5 is the overall score out of 100 divided by 20. Leader goes to the top three overall, Best for to the first in each segment, and Top rated for to a score of 5 out of 5 on a criterion. Awards cannot be bought.
Where it scores best, and where to check closely, as shown in each ranking.
Singapore SMEs paying overseas suppliers.
Small firms in Singapore and South East Asia wanting a range of unsecured loans.
What Funding Societies publishes on its own pages, read on 21 and 26 October 2026.
An SME lender that in Singapore offers accounts payable financing for worldwide purchases, receivables financing to 120 days and a trade term loan. It publishes limits, tenors and eligibility but no rates, and serves Singapore companies only.
| Fact | What the provider publishes |
|---|---|
| Legal status | Products 'fulfilled by FS Capital Pte Ltd' (Business Registration No. 201631787R; no licence number listed). Funding Societies Pte. Ltd. holds CMS Licence No. CMS100572. A 'Participating Financial Institution under Enterprise Singapore's (ESG) Enterprise Financing Scheme'. |
| Products | Accounts Payable Financing ('worldwide purchases'; non-SGD payments through a cross-border payments partner); Accounts Receivable Financing (notified or non-notified); Trade Term Loan; revolving credit line and term loans. Does not issue letters of credit. |
| Published cost | No rate or fee published: 'We will inform you of the costs and fees involved upfront' (receivables page). |
| Facility size and tenor | AP Financing 'up to $500k', tenor 'up to 90 days'. AR Financing 'Credit line up to SGD 1 million', tenors of 30, 60, 90 to 120 days, up to 90% of invoice value (80% in the page description). Trade Term Loan 'limits from SGD 100K to 300K', each drawdown repaid in 6 monthly instalments. |
| Speed | AP: suppliers paid '100% upfront in 3 working days'. Trade Term Loan: 'Funds disbursed within 2 working days upon drawdown.' Approval time not published. |
| Who can apply | Singapore-registered Pte Ltd or LLP. AP: more than 12 months operating. AR: 6 months operating and 'Minimum 30% shareholding by a Singapore Citizen or Permanent Resident'. Trade Term Loan: one year in business, turnover S$1M to S$20M and 'Personal guarantee from owners holding at least 30% shareholding'. |
| Funding and history | Part of the Funding Societies group; Enterprise Singapore scheme participant. Funding source not named. |
| Date read | 21 October 2026 |
A fact that is not published is scored as not offered or, for a fee, as if it were high. It is never estimated.
Facts read on 21 October 2026 from: fundingsocieties.com/accounts-payable-financing, fundingsocieties.com/invoice-financing, fundingsocieties.com/trade-term-loan.
A South East Asian lender with five business financing products in Singapore and operations in Indonesia, Malaysia, Thailand and Vietnam. It publishes product limits, a 24 hour funding time for micro loans and its Monetary Authority of Singapore licence number. It publishes no interest rates or numeric eligibility rules.
| Fact | What the provider publishes |
|---|---|
| Products | Start-Up Financing ("up to S$40K"), Micro Loans ("up to S$150K, disbursed in 24 hours"), Business Term Loans ("up to S$1M"), Property Backed Secured Financing (up to S$4M) and Trade Term Loan (S$100K to 300K). |
| Pricing | No interest rates or fee schedule published; rates depend on product, amount, tenure and underwriting. |
| Eligibility | Singapore-registered business, local shareholding, operating history and guarantor requirements, with no figures; Start-Up Financing for businesses "<2 years old". |
| Countries | Singapore, Indonesia, Malaysia, Thailand and Vietnam. |
| Terms | Business Term Loans up to 18 months; Trade Term Loan in "6 equal repayments"; unsecured options for certain term loans. |
| Regulatory standing | Funding Societies Pte. Ltd.: "CMS Licence No. CMS100572" from the Monetary Authority of Singapore; FS Capital Pte. Ltd. an "exempt moneylender under the Moneylenders Act". Only an "SSL Secure Site" badge shown. |
| Date read | 26 October 2026 |
A fact that is not published is scored as not offered or, for a fee, as if it were high. It is never estimated.
Facts read on 26 October 2026 from: fundingsocieties.com/borrow, fundingsocieties.com/about-us/fspl.
Each score with the evidence behind it.
Each criterion is scored 0 to 5 against the best published offer in the Trade Finance Index. 0 means not offered or not published. How it is scored
Each criterion is scored 0 to 5 against the best published offer in the Revenue-Based and Working Capital Finance Index. 0 means not offered or not published. How it is scored
The other providers in the same ranking, ordered by score.
| Provider | Score out of 5 | Rank | Strongest for |
|---|---|---|---|
| Wayflyer | 3.9 | 1 of 14 | Inventory funding for brands and wholesalers |
| Settle | 3.2 | 2 of 14 | US consumer brands extending supplier terms to 180 days |
| Ebury | 3.2 | 3 of 14 | Unsecured import finance with FX in one account |
| HSBC Hong Kong | 3.1 | 4 of 14 | Asian traders needing letters of credit and trade loans |
| Virgin Money (Nationwide) | 3.0 | 5 of 14 | UK exporters using a UK Export Finance backed facility |
| Kriya | 2.9 | 6 of 14 | UK exporters financing invoices to overseas buyers |
| Tradewind Finance | 2.4 | 8 of 14 | Export factoring with credit protection |
| Credlix | 2.3 | 9 of 14 | Indian exporters selling to the US and Europe |
| Drip Capital | 2.3 | 10 of 14 | Unsecured supplier payment terms for US importers |
| Clearco | 2.0 | 11 of 14 | US e-commerce brands paying overseas suppliers' invoices |
| Bibby Financial Services | 2.0 | 12 of 14 | UK exporters wanting invoice finance with bad debt cover |
| 8fig | 2.0 | 13 of 14 | Online sellers funding inventory and supply chain costs |
| NatWest | 1.4 | 14 of 14 | UK businesses wanting a full bank trade finance range |
Full Trade Finance Index ranking
| Provider | Score out of 5 | Rank | Strongest for |
|---|---|---|---|
| Clearco | 3.4 | 1 of 12 | US online brands with over $100,000 monthly revenue wanting clear borrower terms |
| iwoca | 3.1 | 2 of 12 | UK limited companies wanting a representative APR and money within hours |
| Bluevine | 3.0 | 3 of 12 | US companies with 12 months' trading wanting a line of credit next to a business account |
| Liberis | 2.9 | 4 of 12 | UK merchants wanting a published representative cost and a range of advance sizes |
| Wayflyer | 2.6 | 5 of 12 | Online and retail brands in 11 countries wanting a single fixed fee |
| Stripe Capital | 2.5 | 6 of 12 | Businesses already processing payments on Stripe in six countries |
| Lighter Capital | 2.2 | 7 of 12 | Software and technology firms in the US, Canada and Australia with $200,000 or more recurring revenue |
| Founderpath | 2.1 | 8 of 12 | Software firms with $1m to $3m recurring revenue wanting money within a day |
| Capchase | 1.9 | 10 of 12 | Software and subscription firms wanting a revolving limit tied to recurring revenue |
| Fundbox | 1.4 | 11 of 12 | Platforms and small businesses in four countries wanting the widest product range |
| Shopify Capital | 1.1 | 12 of 12 | Shopify merchants in nine countries |
Full Revenue-Based and Working Capital Finance Index ranking
Side by side on every criterion, fact and award.
Head-to-head comparisons cover pairs within the top five of each ranking. Funding Societies is compared with its alternatives in the table above.
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