Funding Societies review
Updated September 28, 2026 · BrokerCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Funding Societies is a Singapore peer-to-peer lender for readers who want to fund business loans under a named regulator. It holds a Monetary Authority of Singapore licence, PS20200484, and quotes a target return of 4% to 18%, where the lower end matters as much as the higher one.
Key facts
- Best for
- Small-ticket Singapore business lending with a named regulator and a stated return range.
- Target return
- 4% to 18% (Source, checked September 26, 2026)
- Minimum investment
- SGD 20 (Source, checked September 26, 2026)
- Regulators
- Monetary Authority of Singapore (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, Chat, Phone, Help-centre (Source, checked September 26, 2026)
- Official website
- fundingsocieties.com
Apps and profiles
- Elsewhere
- WikidataWikipediaXLinkedIntiktok.com
Pros and cons
Pros
- A named operator, Funding Societies Pte. Ltd., holds Monetary Authority of Singapore licence PS20200484, so the counterparty and its permissions can both be checked.
- Support runs on email, chat and phone, covering self-service help and direct contact.
- The upper end of the 4% to 18% target return sits above Mintos at 9.2% and Nectaro at 10% to 14%.
- The platform has run since 2015 out of Singapore, SG, giving readers a clear home market and regulator behind it.
Cons
- The lower end of the 4% to 18% target return sits under the 9.2% that Mintos quotes, so the range cuts both ways.
- At SGD 20 the entry point sits above the €10 lower quartile for peer-to-peer platforms, so it is not the smallest ticket in the group.
- Oversight stops at the Monetary Authority of Singapore, Monetary Authority of Singapore, so UK and European readers have no supervisor in their own market.
Who it suits
- Investors already holding Singapore dollars who are comfortable lending to businesses for a stated return.
- Readers who want a licence number they can check before committing, PS20200484.
- Lenders who accept a wide outcome range in exchange for a higher quoted ceiling, 4% to 18%.
Who should look elsewhere
- Mintos, for readers who would rather weigh a single flat target of 9.2% than a range.
- Nectaro, for lenders who want a tighter 10% to 14% band with a higher floor.
Safety and regulation
Funding Societies is regulated by the Monetary Authority of Singapore, Monetary Authority of Singapore, and the licence it holds is listed as PS20200484. Both details matter more to a UK or European reader than any marketing line, because a licence tells you which rules the business works under and which supervisor can ask it questions. Check that licence number against the regulator's own register before funding anything. A licence confirms the platform is permitted to operate and is subject to supervisory expectations, and it gives you a body to complain to. What it does not confirm is that any particular loan will be repaid, or that a target return will be delivered. Peer-to-peer lending puts your money behind business borrowers, and business borrowers can fail. Protection for your money therefore rests on the terms you accept and on how the underlying loans perform, not on the licence alone. Treat the supervisory status as a filter for legitimacy rather than as cover for the cash, and read the wording on defaults and late payments as carefully as the return figure. Readers who want a supervisor at home should put platforms regulated in their own market on the shortlist instead, since a Singapore permission does not travel.
Who runs it
Funding Societies is operated by Funding Societies Pte. Ltd., Funding Societies Pte. Ltd., from Singapore, SG. The business has been running since 2015, long enough for a lending record to build up rather than arriving with the newest wave of lenders. For due diligence, the legal entity is the anchor: it names the party you contract with, the party that holds the cash, and the party to approach if a loan goes wrong. Support covers the main channels a lender needs. Contact runs on email, chat and phone, so a help centre sits alongside email, phone and chat, and a question about a repayment does not depend on hunting down the right form. Expect the service to be built around Singapore working hours, and plan calls and messages around that if you are in the UK or Europe. Keep your own written record of anything you send, since a dated trail helps if a repayment is disputed. The company picture and the regulatory picture meet at a single point, the Monetary Authority of Singapore licence, PS20200484. Taken together, the founded year, the registered entity, the home country and the licence give a reader an outline of a business that can be checked from outside. None of them describe the loan book, and that is where the money risk sits. A sensible opening move is to start with a small sum and watch how repayments and any defaults are handled before scaling up.
How Funding Societies compares
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Where Funding Societies is available
- Available
- Singapore
- Licence in Singapore
- Monetary Authority of Singapore (PS20200484), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What is the smallest amount I can invest?+
Funding Societies sets the entry point at SGD 20, which is below the €50 median for the peer-to-peer platforms here. It ranks 8 of 23 on minimum investment, so it sits near the accessible end without being the smallest ticket available.
What return does it target, and is it guaranteed?+
The advertised target return is 4% to 18%. That is a range rather than a promise, so the outcome depends on which loans you fund and whether borrowers repay on time. Mintos quotes 9.2% and Nectaro quotes 10% to 14%, so Funding Societies spreads wider than either.
Is my money regulated?+
Funding Societies is regulated by the Monetary Authority of Singapore, Monetary Authority of Singapore, and the licence is listed as PS20200484. That is a Singapore permission, so UK and European readers are not covered by a supervisor in their own market. Verify the licence number against the regulator's own register before funding.
Who runs the platform?+
The platform is operated by Funding Societies Pte. Ltd., a private limited company, and it has been running since 2015 from its base in Singapore. A named legal entity matters because it tells you who contracts with you and who to claim against. Check that the same entity appears on the terms you accept.
How do I get help if a repayment goes wrong?+
Support runs on email, chat and phone, covering self-service help and direct contact. For UK and European readers, expect the service to be built around Singapore hours, so plan contact times accordingly and keep a written record of any query about a loan.
How much of my money could I lose?+
Business loans can default, and the money is at risk when a borrower stops paying. Across the platforms in this comparison, the median share of retail accounts that lose money is 70.15%, with the lower quartile at 65.75% and the upper quartile at 74.5%. Those figures cover trading platforms rather than loan books, so read them as a broad warning about risk in the sector.
What should I check before funding a loan here?+
The checks that matter most are short. Confirm the licence number, PS20200484, against the regulator's register. Read 4% to 18% as a range rather than a promise, and check what the terms say about late payments and defaults. Then size the deposit against SGD 20 and your own cash buffer.
Can I use it if I live in the UK or Europe?+
Funding Societies is headquartered in Singapore, SG, and is regulated by the Monetary Authority of Singapore, Monetary Authority of Singapore. Nothing in the platform's stated details points to a UK or European operation, so readers in those markets should read the eligibility wording in the terms before applying.
Sources
- fundingsocieties.com checked September 26, 2026
Backs: Founded, Headquarters, Regulators, Licences
“Launched in 2015, our mission is to uplift societies in Southeast Asia”
- fundingsocieties.com/investment checked September 26, 2026
Backs: Minimum investment, Target return
“Investments on the platform starts at S$20 per note.”
- fundingsocieties.com/terms-of-use checked September 26, 2026
Backs: Legal entity, Support channels
“a legal agreement between you and Funding Societies Pte Ltd (201505169M) and/or FS Capital Pte Ltd (201631787R)”
Compiled from 3 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Buyback guarantee.
Related by the facts
Funding Societies
Small-ticket Singapore business lending with a named regulator and a stated return range.