# Help | Funding Societies

> Help center for Funding Societies

## Investors

- [Why do companies borrow from Funding Societies?](http://help.fundingsocieties.com/en/articles/1123456-why-do-companies-borrow-from-funding-societies.md): 5 reasons why big and small companies choose us for alternative financing
- [Is Funding Societies a regulated financial institution by MAS?](http://help.fundingsocieties.com/en/articles/700585-is-funding-societies-a-regulated-financial-institution-by-mas.md): What does holding an MAS-issued CMS license mean for our investors?
- [How do I sign up as an investor?](http://help.fundingsocieties.com/en/articles/760267-how-do-i-sign-up-as-an-investor.md): Opening an account is free-of-charge, and takes just 5 simple steps. Follow these steps to start investing on Funding Societies!
- [Can I sign up as an investor in Singapore, Malaysia, Indonesia and Thailand?](http://help.fundingsocieties.com/en/articles/760257-can-i-sign-up-as-an-investor-in-singapore-malaysia-indonesia-and-thailand.md): The leading debt investment lending platform in South-East Asia: How you can invest in the four countries we operate in
- [Qualifying and Verification Measures](http://help.fundingsocieties.com/en/articles/760229-qualifying-and-verification-measures.md): Why we need your employment and bank account information, etc.
- [Updating personal information](http://help.fundingsocieties.com/en/articles/2680875-updating-personal-information.md): Editing personal information of your profile
- [How do I transfer cash to my Funding Societies account?](http://help.fundingsocieties.com/en/articles/700472-how-do-i-transfer-cash-to-my-funding-societies-account.md): Funding your investor account is easy. Make a deposit anytime.
- [Start investing: A beginner's guide](http://help.fundingsocieties.com/en/articles/700476-start-investing-a-beginner-s-guide.md): Investing in a crowdfunding is easy: follow these simple steps to start earning returns
- [Our credit assessment explained](http://help.fundingsocieties.com/en/articles/722590-our-credit-assessment-explained.md): How we assess the creditworthiness and legitimacy of SMEs and their operations
- [How do I participate in the crowdfunding round?](http://help.fundingsocieties.com/en/articles/2680560-how-do-i-participate-in-the-crowdfunding-round.md): Here's a guide to manually investing in a note during the crowdfunding round
- [How is my money safeguarded?](http://help.fundingsocieties.com/en/articles/8246259-how-is-my-money-safeguarded.md)
- [Making a withdrawal from my account](http://help.fundingsocieties.com/en/articles/700471-making-a-withdrawal-from-my-account.md): You can withdraw your available balance at any time. Here's how.
- [How do I change my bank account?](http://help.fundingsocieties.com/en/articles/700480-how-do-i-change-my-bank-account.md): Let us know when you have changed your bank account to ensure future withdrawals always reaches you quickly.
- [Why are interest rates lower for Property Backed Secured Investments?](http://help.fundingsocieties.com/en/articles/3829537-why-are-interest-rates-lower-for-property-backed-secured-investments.md)
- [What are 'Business Term Investments \(BTI\)'?](http://help.fundingsocieties.com/en/articles/700492-what-are-business-term-investments-bti.md): Unsecured note that allows for monthly installment repayments
- [What are 'Invoice Financing Investments \(IF\)'?](http://help.fundingsocieties.com/en/articles/700493-what-are-invoice-financing-investments-if.md): How businesses borrow money based on future receivables/ invoices due from customers
- [What are 'Property-backed Secured Investments \(PSI\)'?](http://help.fundingsocieties.com/en/articles/1864050-what-are-property-backed-secured-investments-psi.md): Frequently asked questions on PBSI
- [What are 'Revolving Credit Investments \(RCI\)'?](http://help.fundingsocieties.com/en/articles/2919545-what-are-revolving-credit-investments-rci.md)
- [Diversifying your portfolio](http://help.fundingsocieties.com/en/articles/700508-diversifying-your-portfolio.md): How you can mitigate concentration and default risks and optimize your portfolio returns.
- [Why do some notes have investment limits?](http://help.fundingsocieties.com/en/articles/2680621-why-do-some-notes-have-investment-limits.md): How we decide to place limits on investing into notes
- [Funding Societies Loyalty Program](http://help.fundingsocieties.com/en/articles/2684969-funding-societies-loyalty-program.md): Learn more about the different loyalty tiers, benefits, and how to upgrade to a higher tier!
- [Understanding repayments](http://help.fundingsocieties.com/en/articles/700503-understanding-repayments.md): When can I expect repayment, and how is it calculated?
- [What happens in the event of early repayment?](http://help.fundingsocieties.com/en/articles/2214802-what-happens-in-the-event-of-early-repayment.md): Is there an early repayment fee?
- [What happens if Funding Societies defaults?](http://help.fundingsocieties.com/en/articles/3106373-what-happens-if-funding-societies-defaults.md): This refers to the unlikely event of Funding Societies undergoing winding-up proceedings or becomes insolvent.
- [Understanding defaults](http://help.fundingsocieties.com/en/articles/700509-understanding-defaults.md): When does a late repayment become in default, and what options for recourse are available then?
- [Overview & Portfolio Numbers Explained](http://help.fundingsocieties.com/en/articles/1659955-overview-portfolio-numbers-explained.md): A simple breakdown of what the numbers on your overview & portfolio reflect
- [What fees do we charge?](http://help.fundingsocieties.com/en/articles/700496-what-fees-do-we-charge.md)
- [What if I wish to complain?](http://help.fundingsocieties.com/en/articles/5865274-what-if-i-wish-to-complain.md)
- [What happens when the platform is down?](http://help.fundingsocieties.com/en/articles/4509449-what-happens-when-the-platform-is-down.md)
- [Can I register as an SME, investor, and a referral partner simultaneously?](http://help.fundingsocieties.com/en/articles/2209870-can-i-register-as-an-sme-investor-and-a-referral-partner-simultaneously.md)
- [What is the difference between simple and effective Interest?](http://help.fundingsocieties.com/en/articles/700494-what-is-the-difference-between-simple-and-effective-interest.md)
- [When calculating financing terms based on a daily tenor, how many days in a year / month should I use?](http://help.fundingsocieties.com/en/articles/11812200-when-calculating-financing-terms-based-on-a-daily-tenor-how-many-days-in-a-year-month-should-i-use.md)
- [Can I withdraw from a confirmed investment?](http://help.fundingsocieties.com/en/articles/760263-can-i-withdraw-from-a-confirmed-investment.md)
- [Is the interest I earn taxable?](http://help.fundingsocieties.com/en/articles/760258-is-the-interest-i-earn-taxable.md)
- [What does 'withholding tax' mean?](http://help.fundingsocieties.com/en/articles/700501-what-does-withholding-tax-mean.md)
- [Understanding note statuses](http://help.fundingsocieties.com/en/articles/2684884-understanding-note-statuses.md)
- [Disclosures on FSPL's related parties participation on the platform](http://help.fundingsocieties.com/en/articles/8512971-disclosures-on-fspl-s-related-parties-participation-on-the-platform.md)
- [Decommissioning of our Mobile App](http://help.fundingsocieties.com/en/articles/11798529-decommissioning-of-our-mobile-app.md)

## Borrowers

- [What types of business financing can I get?](http://help.fundingsocieties.com/en/articles/2196420-what-types-of-business-financing-can-i-get.md): Learn about our three products: FS Bolt, Business Term Loans, and Invoice Financing
- [How are loans funded?](http://help.fundingsocieties.com/en/articles/2196436-how-are-loans-funded.md): Your financing request will be put on our platform for crowdfunding
- [How do I apply for a loan?](http://help.fundingsocieties.com/en/articles/2196441-how-do-i-apply-for-a-loan.md): Eligibility criteria, application process, and documents required
- [What are the costs and fees involved?](http://help.fundingsocieties.com/en/articles/2196445-what-are-the-costs-and-fees-involved.md): Application is free and fees are charged only when funds are disbursed
- [Can I apply for another loan if I already have an active loan with Funding Societies?](http://help.fundingsocieties.com/en/articles/2196448-can-i-apply-for-another-loan-if-i-already-have-an-active-loan-with-funding-societies.md): Yes, you may apply for a subsequent loan subject to conditions
- [How long does it take to get funding?](http://help.fundingsocieties.com/en/articles/2196451-how-long-does-it-take-to-get-funding.md): Depending on the financing request, you can receive funds as soon as 24 hours after submission of required documents
- [How do I set up e-GIRO?](http://help.fundingsocieties.com/en/articles/10152449-how-do-i-set-up-e-giro.md)
- [How are repayments calculated?](http://help.fundingsocieties.com/en/articles/2196456-how-are-repayments-calculated.md): FS Bolt and Business Term Loans are amortised across monthly instalments. Invoice Financing is usually settled upon repayment from debtors
- [How do I make repayments?](http://help.fundingsocieties.com/en/articles/2196457-how-do-i-make-repayments.md): Payment date, payment methods, and what happens after I have made my last repayment?
- [Can I make an early repayment?](http://help.fundingsocieties.com/en/articles/2196459-can-i-make-an-early-repayment.md): Early repayment is possible with no penalties in certain situations. Learn more about the ways to save on interest
- [How may I refer a SME?](http://help.fundingsocieties.com/en/articles/2196461-how-may-i-refer-a-sme.md): Get a referral fee when the SME you referred takes up a loan from us!
- [What documents should I provide for my FS Bolt loan application?](http://help.fundingsocieties.com/en/articles/3634763-what-documents-should-i-provide-for-my-fs-bolt-loan-application.md)

## About Funding Societies

- [What does Funding Societies do?](http://help.fundingsocieties.com/en/articles/760347-what-does-funding-societies-do.md)

## Investment Opportunities at Funding Societies

- [Do you accept manual injections or funding from related parties in your crowdfunding campaigns?](http://help.fundingsocieties.com/en/articles/11129729-do-you-accept-manual-injections-or-funding-from-related-parties-in-your-crowdfunding-campaigns.md)

## Investing with Funding Societies

- [What is Accredited Investors and How do I qualify as an Accredited Investor?](http://help.fundingsocieties.com/en/articles/11129714-what-is-accredited-investors-and-how-do-i-qualify-as-an-accredited-investor.md)
- [How do I apply to become an Accredited Investor?](http://help.fundingsocieties.com/en/articles/11129720-how-do-i-apply-to-become-an-accredited-investor.md)
- [What are the benefits of being an Accredited Investor \(“AI”\)?](http://help.fundingsocieties.com/en/articles/11129723-what-are-the-benefits-of-being-an-accredited-investor-ai.md)

## Securing your account

- [Malware: Are you aware of recognizing and avoiding it?](http://help.fundingsocieties.com/en/articles/6217303-malware-are-you-aware-of-recognizing-and-avoiding-it.md)
- [Customer Advisory on Cyber Risk due to Data Synchronisation of Mobile Devices](http://help.fundingsocieties.com/en/articles/5483724-customer-advisory-on-cyber-risk-due-to-data-synchronisation-of-mobile-devices.md)
- [Encrypting confidential email attachment](http://help.fundingsocieties.com/en/articles/5446367-encrypting-confidential-email-attachment.md)
- [How Do I Create a Strong Password?](http://help.fundingsocieties.com/en/articles/5006624-how-do-i-create-a-strong-password.md)
- [Two-Factor Authentication \(2FA\) Setup](http://help.fundingsocieties.com/en/articles/2476151-two-factor-authentication-2fa-setup.md)
- [Are you familiar with threats associated with mobile applications? Part 1.](http://help.fundingsocieties.com/en/articles/7835864-are-you-familiar-with-threats-associated-with-mobile-applications-part-1.md)
- [Are you familiar with threats associated with mobile applications? \(Part 2\)](http://help.fundingsocieties.com/en/articles/8353696-are-you-familiar-with-threats-associated-with-mobile-applications-part-2.md)
- [Securing Your Content: Best Practices for Uploading and Sharing Documents on Public Websites](http://help.fundingsocieties.com/en/articles/6948076-securing-your-content-best-practices-for-uploading-and-sharing-documents-on-public-websites.md)
- [Security Advisory: Phishing Scams and How to Defend Against Them - Part 1](http://help.fundingsocieties.com/en/articles/9587990-security-advisory-phishing-scams-and-how-to-defend-against-them-part-1.md)
- [Security Advisory: Phishing Scams and How to Defend Against Them - Part 2](http://help.fundingsocieties.com/en/articles/9918918-security-advisory-phishing-scams-and-how-to-defend-against-them-part-2.md)
- [Secure Your Online Experience: Must-Know Tips for Safe Web Browsing](http://help.fundingsocieties.com/en/articles/10212713-secure-your-online-experience-must-know-tips-for-safe-web-browsing.md)
- [Stay Safe While Downloading: Simple Steps You Can Follow](http://help.fundingsocieties.com/en/articles/11561608-stay-safe-while-downloading-simple-steps-you-can-follow.md)

## Scams

- [In HYPERLINKS, what should we pay attention to?](http://help.fundingsocieties.com/en/articles/6983987-in-hyperlinks-what-should-we-pay-attention-to.md): This article is to help users understand on what details should be paid attention on when it comes to hyperlinks.
- [Be Aware of Social Media Approaches](http://help.fundingsocieties.com/en/articles/6779993-be-aware-of-social-media-approaches.md)
- [Ways to prevent from being scammed](http://help.fundingsocieties.com/en/articles/6397383-ways-to-prevent-from-being-scammed.md): It is important for you to be aware of scams and take the necessary precautions to safeguard yourself against these scams.
- [Beware of SMS phishing](http://help.fundingsocieties.com/en/articles/5540041-beware-of-sms-phishing.md)
- [Are you sure you are not being SCAMMED?](http://help.fundingsocieties.com/en/articles/6397398-are-you-sure-you-are-not-being-scammed.md): There are many incidents of scams around us, whether we are existing customers of financial services organizations or not.

## Singapore Statistics

- [Singapore Performance 2022](http://help.fundingsocieties.com/en/articles/6948079-singapore-performance-2022.md): Singapore Statistics for FY2022