FundedHere
FundedHere is a Singapore-based, MAS-regulated fintech operating the ScaleUp Co-Investment Programme, which provides non-dilutive up-to-90% co-investment in inventory, marketing, and logistics for Southeast Asian e-sellers and issues short-term notes to accredited investors.
- Company typePrivate
- Founded2014
- HeadquartersSingapore, Singapore
- Headcount1–10
- GTM typeB2B and B2C
- OfferingServices
What FundedHere does
FundedHere (legal entity FUNDED HERE PTE. LTD., incorporated in Singapore, company registration 201436205N) operates a regulated digital platform that bridges Southeast Asian e-commerce sellers seeking growth capital with accredited investors seeking short-duration private credit exposure. Its core product, the ScaleUp Co-Investment Programme, provides non-dilutive co-investment of up to 90% of e-commerce inventory, marketing, logistics, and expansion costs, with repayment structured as a percentage of merchant sales revenue. On the supply side, the platform issues short-term investment notes with 30-60 day tenures targeting 10-14% p.a. returns, and is held together by a secure digital ledger for transparent transaction recording and real-time inventory tracking integrations with merchant warehouse and marketing systems for fraud mitigation.
The business is a Capital Markets Services (CMS) Licence holder regulated by the Monetary Authority of Singapore under the Securities and Futures Act, and is a subsidiary of Luminor Financial Holdings Limited. It generates revenue through a transaction-fee model: the spread between investor returns and merchant borrowing costs on funded inventory and marketing campaigns, supplemented by platform fees charged to registered members. Distribution is multi-pronged — a self-serve digital application platform (app.fundedhere.com), direct sales for mid-market e-sellers, and a curated partner ecosystem of OEMs/ODMs, 3PLs, marketing agencies, and SaaS enablers who refer clients in exchange for accelerated sales cycles and guaranteed settlement.
The company underwent a comprehensive restructuring in 2022-2023 during which no funding was issued, before relaunching in November 2024 under new credit risk management standards. As of end-March 2026 it had co-invested SGD $7M+ in gross merchandise value across 4,000+ SKUs for 60+ businesses in Singapore, Malaysia, and Indonesia, and reported a 2025 weighted average investor return of 11.08% with a 0.00% non-performing rate.
FundedHere firmographics
Firmographics- Name
- FundedHere
- Legal name
- FUNDED HERE PTE. LTD.
- Website
- https://fundedhere.com
- Company type
- Private
- Founded year
- 2014
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- FundedHere is a Singapore-based, MAS-regulated fintech operating the ScaleUp Co-Investment Programme, which provides non-dilutive up-to-90% co-investment in inventory, marketing, and logistics for Southeast Asian e-sellers and issues short-term notes to accredited investors.
- Ownership category
- akta.pro rank
FundedHere industry classification
Industry- Product category
- E-commerce Financing
- NAICS
- Sales Financing (52222)
- SIC
- Short-Term Business Credit Institutions (6153), Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- Merchant Cash Advance & Revenue-Based Financing Enablement (FSAGALAH)
- akta.pro secondary industries
- Merchant Cash Advance & Payment-linked Lending (CRAFALAK), Supply Chain Finance (Trade Credit, PO/Inventory Financing) (FSAKAGAE)
Keywords
Where FundedHere is headquartered
LocationHeadquarters
- HQ city
- Singapore
- HQ country
- Singapore
- HQ region
- Asia
Offices2 records
Markets served
FundedHere business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others
Revenue model
- Co-Investment Returns: FundedHere generates returns through co-investment arrangements with e-sellers, where the platform and investors earn returns from the successful sale of inventory and marketing campaigns. Investors receive 10-14% p.a. returns with 30-60 day tenures.
- Platform Fees: Fees charged to members (both investors and merchants) for using the platform. The company reserves the right to levy and charge fees on members upon successful registration, including credit card/bank transaction fees.
- Investment Note Issuance: Issuance of short-term growth notes to accredited investors, generating returns through the interest differential between investor returns and merchant borrowing costs. Weighted average return was 11.08% in 2025.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Accredited Investor Notes - Short-Term Growth Notes |
Go-to-market motion3 records
Distribution channels3 records
Marketing channels8 records
FundedHere product offering
Product offeringCore offering
FundedHere operates a licensed digital platform that provides non-dilutive co-investment funding of up to 90% of inventory and marketing costs to Southeast Asian e-commerce sellers, paired with short-term private credit investment notes (30-60 day tenures, 10-14% p.a. returns) for accredited investors. The offering is wrapped with a curated partner ecosystem covering manufacturing, logistics, marketing, and technology, and is delivered through an online application and KYC process under a Monetary Authority of Singapore Capital Markets Services licence.
Product overview
FundedHere operates as a fintech platform connecting Southeast Asian e-commerce sellers with capital and an ecosystem of trusted partners. The core offering consists of the ScaleUp Co-Investment Programme—a non-dilutive funding product that covers up to 90% of inventory, marketing, and fulfillment costs—paired with Short-Term Investment Notes offering accredited investors 10-14% p.a. returns over 30-60 day tenures. The platform is complemented by a curated partner ecosystem spanning manufacturing, logistics, marketing, and technology services, all regulated by the Monetary Authority of Singapore.
Differentiator
Problem solved
Functional benefit
Brands
- ScaleUp Co-Investment Programme: A co-investment programme that funds e-commerce inventory and marketing expenses upfront, with flexible repayment aligned to revenue. Provides up to 90% funding for inventory, marketing, fulfillment, and expansion.
Products and services
- ScaleUp Co-Investment Programme Non-dilutive co-investment programme that funds up to 90% of Southeast Asian e-commerce sellers' inventory and marketing costs upfront, with flexible repayment aligned to revenue. Available to e-sellers on marketplaces such as Shopee, TikTok Shop and Lazada in Singapore, Malaysia and Indonesia.
- Short-Term Investment Notes Short-term private credit investment notes for accredited investors with 30-60 day tenures and target returns of 10-14% per annum, delivering continuous payouts as sales proceeds are collected from funded e-sellers and recorded on a secure digital ledger.
- Partner Ecosystem Platform A curated ecosystem and referral platform connecting Southeast Asian e-sellers with manufacturing and supply chain partners (OEMs/ODMs), logistics and fulfillment providers (3PLs), marketing and growth agencies (including MCNs), and technology enablers (SaaS/ERPs), offering pre-negotiated terms and guaranteed settlement by FundedHere.
Quantifiable outcome
- SGD $7M+ GMV Co-Invested as of end of March 2026
- +5 more outcomes
Companies that use FundedHere
Customer profileNamed customers3 records
Segments3 records
Ideal customer profiles3 records
FundedHere technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
FundedHere partnerships and signals
Strategic signalScale indicators8 records
Recent moves7 records
Expansion highlights4 records
FundedHere competitors and assessment
Company assessmentDirect peers
- Funding Societies: SEA’s largest SME digital financing platform, providing short-term working capital and invoice financing to SMBs including online sellers, funded by retail/institutional investors. Highly comparable on two-sided marketplace model, short-tenure notes, and MAS-regulated operating entities.
- CapBay: Malaysia-based P2P/fintech lender offering supply chain and invoice financing to SMEs, led by an ex-COO now at FundedHere. Direct comparator in product structure, geography, and accredited-investor funding model.
- Validus Capital: Singapore-headquartered fintech offering short-tenure financing to SMBs funded by investors. Comparable on investor-backed SME financing, MAS oversight and Singapore base.
- Wayflyer: Global revenue-based financing platform focused exclusively on e-commerce/D2C merchants, providing non-dilutive capital tied to revenue. Strong product-level analog to FundedHere’s revenue-contingent ScaleUp Programme.
- Clearco: Revenue-based financing provider to e-commerce founders, offering non-dilutive growth capital repaid as a share of revenue. Closest comparable on revenue-contingent repayment mechanics targeting online merchants.
- KoinWorks: Indonesia-based fintech providing short-term financing to SMEs and online sellers funded by retail and institutional investors. Direct comparator in SEA geography, short-tenure notes, and online-seller target market.
Emerging players
- 8fig: E-commerce-specific working capital and planning platform offering growth capital to online sellers with flexible repayment tied to revenue. Comparable on target customer (e-commerce sellers) and revenue-linked repayment.
Broad incumbents
- Shopify Capital: Shopify’s captive merchant cash advance product funding Shopify merchants based on store sales. Comparable on revenue-contingent advances to online sellers, though embedded inside a larger commerce platform rather than a standalone marketplace.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
FundedHere social profiles
Digital presenceFundedHere compliance and trust
Trust signalCompliance2 records
FundedHere financial estimates
Financial estimateRevenue estimate
Valuation estimate
FundedHere leadership team
Management profileNumber of profiles
Profiles9 records
FundedHere subsidiaries and ownership
Company hierarchySubsidiaries1 record
FundedHere funding detail
Funding detailFunding overview
Funding rounds1 record
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
FundedHere M&A and investment
M&A and investmentM&A
Investments3 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about FundedHere
What does FundedHere do?
FundedHere operates a licensed digital platform that provides non-dilutive co-investment funding of up to 90% of inventory and marketing costs to Southeast Asian e-commerce sellers, paired with short-term private credit investment notes (30-60 day tenures, 10-14% p.a. returns) for accredited investors. The offering is wrapped with a curated partner ecosystem covering manufacturing, logistics, marketing, and technology, and is delivered through an online application and KYC process under a Monetary Authority of Singapore Capital Markets Services licence.
Is FundedHere a public or private company?
FundedHere is a private company. It is classified as corporate owned and is currently operating.
When was FundedHere founded?
FundedHere was founded in 2014. It employs 1 to 10 people.
Where is FundedHere based?
FundedHere is headquartered in Singapore, Singapore, in the Asia region.
How does FundedHere make money?
Three revenue lines are on record. Co-Investment Returns are the primary driver. The others are platform Fees and investment Note Issuance.
Who are FundedHere's main competitors?
Direct peers on record are Funding Societies, CapBay, Validus Capital, Wayflyer, Clearco and KoinWorks. 8fig is listed as an emerging player. Shopify Capital is listed as a broad incumbent.
Does FundedHere have an API?
No public API is recorded for FundedHere.
What industry is FundedHere in?
FundedHere's product category is E-commerce Financing. Its primary akta.pro industry code is FSAGALAH, Merchant Cash Advance & Revenue-Based Financing Enablement, with a secondary code of CRAFALAK, Merchant Cash Advance & Payment-linked Lending. Its NAICS code is 52222 and its SIC code is 6153.