We charge upward of 8% profit rate per annum. This is a flat rate.

The rate for each Investment Note will be assessed on a case by case basis using our proprietary credit assessment model.

When you are successful in applying for an Investment Note, we will send you a factsheet on the financing terms that you will be receiving, which will include financing amount, rate, and tenure.

You can then make the decision on whether you wish to proceed with those terms. ​

The applicable fees and charges are:

1.  Verification fee : RM 50

2. Administrative fee: RM 40

3. Documentation fee: RM 800

4. Success fee : 3% to 6% of the funds raised (depending on the size and the tenure of the Investment Note).

5. Transaction charges :

• • FPX at RM 1 per transaction
  • IBG at RM 0.10 per transfer

6. Stamping fee:

• • 0.5% of funding amount + RM350 for charge and charge removal & any other late/amendment charges by SSM

7. Prepayment Fee (if any) : Up to 20% of total outstanding returns on Investment Note.

8. Late Payment Fee (if any):

• • Conventional
    0.05% to 0.1% daily returns on principal outstanding on Investment Note.
  • Shariah
    Ta`widh and Gharamah shall not exceed 10% of the outstanding amount or as may be determined by the SAC from time to time.

9. Restructuring Fee (if any) : Administrative fee of 1% of outstanding Investment Note amount.

10. Legal/Recovery Fees : Based on quotations given by providers.

11. SST (if any): 8%

Note:

There is no need for you to manually pay for any fees since we will take the charges from the final amount that is successfully raised. There will be no charges for any listing that is unsuccessful. Issuers will be subjected to third party charges such as processing fees, legal charges, and taxes.