We are serving an unmet need in the market which is for asset/equipment financing. These assets or equipment usually cost more than what other financing facilities are able to offer.

In addition, we recognize that it takes longer to pay back the equipment cost, given that it is so costly, so Issuers can finance it for up to 3 to 5 years. To be able to offer Issuers this product, we require collateralisation of assets to offset the longer tenures and higher amounts of the Investment Note.

Asset collateralisation offers confidence to Investors and will attract more Investors to participate. Thus, Issuers can raise funds in a shorter period of time.

We fund most assets that have a secondary market and resale value.

Some examples of assets we can fund and take as collateral are:

• • Medical equipment
  • Automotive equipment
  • Manufacturing equipment
  • Sports equipment (e.g., for gyms)
  • Digital assets (e.g., servers)
  • Specialist vehicles for business purposes (e.g., forklift)
  • Solar panels

Capsphere will work with the Issuer to put in place necessary documentation, such as an assignment, charge, or debenture over the asset.

Debenture or a Charge will be filed with the Companies Commission of Malaysia, and at maturity of the Investment Note and if all outstanding requirements are satisfied, Capsphere will coordinate with the Issuer to release the Debenture or Charge with the Companies Commission of Malaysia.

Whilst your assets have been pledged as collateral, you may not sell the asset to any third party nor pledge the same asset to obtain any additional funding requirements throughout the Investment Note tenure unless you receive explicit permission from Capsphere.

Likewise, if there are significant changes to the business circumstances (e.g., a major change in business ownership) during your Investment Note duration, we reserve the right to terminate the note and demand the full repayments as we deem fit.

​You are not allowed to move or change business location including moving the equipment to another outlet/state or country unless you have obtained written approval from Capsphere.

Movement of assets outside of the country is prohibited.

​As part of the collateralisation process, Issuers filing of charge or debenture is subject to fees by the Companies Commission of Malaysia, which will be borne by the Issuers.