We will assess each Issuer using our proprietary credit assessment tool, specifically purposed for assessing SME credit.​

At the time of application, Issuers are asked to submit key information on their company; these include:

• • Financial statements
  • Bank statements
  • Information on the management team
  • Their business model.

Capsphere’s credit model provides an assessment of the health of the business and takes into account both the financial and business risk pertaining to the issuance of the Investment Note.

In addition, we will also rely on credit bureaus to provide information on the Issuer’s creditworthiness and previous behaviours (e.g. delinquencies).

Based on our assessment of the issuer’s financials, management, operations, and collateral, each issuer is categorised into a range of risk classes ranging from A (low credit risk profile) to F (high credit risk profile). These risk profiles are published on the factsheet to ensure transparency to investors of the risk levels of each issuer. ​

Throughout the period of the note, we closely monitor changes to the Issuer’s financial and business risks, and repayment behaviours to ensure that our risk classifications are up-to-date.

​Your application will still be considered even if you do not currently have a credit score or record. ​​​​Our proprietary credit assessment tool takes into account a range of criterias, with existing credit score/record being one of the many.

At the time of application, we require Issuers to submit various information and documents. Please ensure that these are complete, in order for us to make an accurate assessment for your Investment Note listing.

The list of criteria that needs to be met are as below:

• • ​Registered business in Malaysia under Suruhanjaya Syarikat Malaysia (SSM) and primary business operations in Malaysia.
  • The business type must be one of the following: sole proprietorship, partnership, limited liability partnership (LLP), private limited company (Sendirian Berhad). We do not fund public companies (Berhad).
  • The business must be revenue generating, and have an operating track record of at least 1 year.