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Funding Societies

Funding Societies Pte Ltd
Funding Societies Pte Ltd
Funding Societies Pte Ltd

Funding Societies Pte Ltd


People Development

Business Model

Funding Societies | Modalku is the largest SME digital financing platform in Southeast Asia, operating in Singapore, Indonesia, and Malaysia. We provide business financing to SMEs, crowdfunded by individual and institutional investors for returns. Since 2015, we have helped to fund over 900,000 loans.

The concept of Funding Societies was established when co-founders Kelvin Teo and Reynold Wijaya realised the financial challenges SMEs faced in Southeast Asia. They saw the potential for peer-to-peer (P2P) lending and so, after completing their studies at Harvard, they returned to their native and began their journey of serving small and medium sized businesses.

The Funding Societies’ team is dedicated to driving financial inclusion by offering an alternative solution to SMEs that are lacking support from traditional institutions. Many businesses are searching for funds that are fast and available on a short-term basis, and so Funding Societies is able to fulfill these requirements. 

We believe by being true to our values and purpose, the community will see the difference we are making and will therefore resonate with us. We exist for the purpose of serving the underserved SMEs of Southeast Asia and create “Stronger SMEs, Stronger Societies”.


Funding Societies Pte Ltd





6221 0958




10 Hoe Chiang Rd,
#05-08 Keppel Towers,
Singapore 089315

The CEO Singapore - Dheeraj Chowdhry

Dheeraj Chowdhry

The CEO Singapore

Funding Societies Pte Ltd

We exist to enable SME growth through financing. Crowdfunding is becoming a viable source of short-term unsecured financing for SMEs, complementing banks. Our vision is to build stronger SMEs and form stronger societies.

Funding Societies Pte Ltd

The CEO Singapore

Funding Societies Pte Ltd

Dheeraj Chowdhry is a senior banking professional, with over 20 years of experience across multiple functions with large global banking organizations in Asian geographies. He has a combination of banking skills coupled with deep experience in Lending and Commercial segments.

As an advocate for serving the underserved Small and Medium Enterprises (SMEs) in SEA, Dheeraj has managed and innovated products such as Trade Finance Solutions and Working capital products for businesses in various countries.

Dheeraj possesses expertise in conceptualizing and implementing strategies for SMEs and is dedicated to making a positive impact within the FinTech ecosystem

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