Giving Malaysian businesses a financial edge

Fueling ambition with flexible and affordable financing 

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Licensed by Securities Commission Malaysia

Why finance with Capsphere?

Leverage the benefits of asset-based P2P financing


Easy loan application

Fill up our simple application and get funded. Business projections, ROIs, etc. are not required.


​Flexible terms

Enjoy tenures up to 3 years and enjoy financing options up to RM1,000,000.



Our platform is designed for easy management and payment.


Competitive interest rates

Low-interest financing ranging from 6%-18% p.a.

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Capsphere is licensed as a Registered Market Operator (RMO) with Securities Commission Malaysia.


Fast processes

Register in just 5 minutes and start financing your business within 2 weeks

Start your application

Financing is as simple as 1,2,3


Sign up


Request for financing

Click on the link below to sign up. Then drop your details and leave the rest to us!

Gather all necessary documents and submit it with your application



If approved, investment notes will be up for 28 days to be funded by investors.

Is your business eligible?


Successful operation

Operating for more than a year with one year audited financials.

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Residential, Commercial, Industrial

Other Assets:

Inventory, vehicles, and



Types of entity

Sendirian Berhad

Sole Proprietor​


Top questions from Issuers

What are the requirements for financing?

The list of criteria that needs to be met are as below: ​1. Registered business in Malaysia under Suruhanjaya Syarikat Malaysia (SSM) and primary business operations in Malaysia. 2. 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). 3. The business must be revenue generating, and have an operating track record of at least 1 year.

How much is the Issuer fee?

As part of the verification process, we will charge a of RM 50 fee. If your Investment Note is funded successfully, we will charge a fee of 2% to 6% of the Investment Note amount. (The exact percentage (%) charged will depend on the size of the Investment Note and tenure.) Please see below for more details: 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. The applicable fees and charges are: 1. Verification fee : RM 50 2. Success fee : 2% to 6% of the funds raised (depending on the size and the tenure of the Investment Note)
3. Processing fees : - FPX at RM 1 per transaction - IBG at RM 0.10 per transfer
4. Stamp Duty on: - Issuer Agreement - Investment Note - Security Documents - Any other documents relating to or incidental to this Agreement, the Issue Request and the Investment Note.
5. Prepayment Fee (if any) : Up to 20% of total outstanding interest on Investment Note 6. Late Payment Fee (if any): 0.05% to 0.1% daily interest on principal outstanding on Investment Note 7. Restructuring Fee (if any) : Administrative fee of 1% of outstanding Investment Note amount 8. Legal/Recovery Fees : Based on quotations given by providers.

How long will the application take to be approved?

We can turnaround your application in 3 to 5 days, if all the relevant documentation and information requested that we receive is accurate. After your application is approved, you can list your Investment Note on our platform. Investors have 28 days to subscribe (invest) your Investment Note. If you manage to raise sufficient funding before 28 days, you may request Capsphere to process your note earlier instead of waiting to the end of the 28 day period. In some instances, you may also qualify for a government matching service, e.g. myCIP, which aims to help SMEs to raise funding quicker on P2P platforms. We will be providing more information on the programme when it is available.

What assets can be collateralised?

We fund most assets that have a secondary market and resale value.
Some examples of assets we can fund and take as collateral are: 1. Medical equipment 2. Automotive equipment 3. Manufacturing equipment 4. Sports equipment (e.g., for gyms) 5. Digital assets (e.g., servers) 6. Specialist vehicles for business purposes (e.g., forklift) 7. Solar panels

Start applying for financing today

Financing your business has never been easier