Funding Societies

At Funding Societies | Modalku, we are at the forefront of financial technology, driving significant advancements in how small and medium-sized enterprises (SMEs) access funding and manage their growth across Southeast Asia. Since our inception in 2015, we have been committed to revolutionizing the SME financing landscape by building the largest SME digital financing and debt investment platform in the region. Our innovative approach leverages cutting-edge technology, including AI and automation, to streamline lending processes, enhance risk management, and provide fast, effortless access to capital. We recognized early on the critical US$300 billion financing gap faced by SMEs, which form the backbone of Southeast Asian economies, and have dedicated our efforts to bridging this divide.

Through our groundbreaking technology, we offer a diverse range of tailored financing solutions, including micro loans, business term loans, invoice financing, and trade finance solutions, designed to meet the unique needs of SMEs at various stages of their development. Our platform not only connects SMEs with crucial funding but also offers individual and institutional investors opportunities to participate in a new asset class, fostering a vibrant financial ecosystem. We were the first platform in Singapore to engage an escrow agency to independently manage investors' funds, underscoring our commitment to security and transparency. Furthermore, our expansion into payments with the acquisition of CardUp in 2022 and our development of AI-powered tools like 'Shane' for customer support demonstrate our continuous drive for innovation and our dedication to providing comprehensive financial services. We are constantly exploring new technologies and partnerships to further empower SMEs, helping them to not only survive but thrive in an ever-evolving economic landscape, thereby contributing to stronger societies across Southeast Asia.