For Businesses
Capital that moves your business forward
Access financing designed around the needs of Malaysian businesses — whether you're looking to strengthen working capital, fulfil a contract, unlock outstanding invoices or fund your next stage of growth.
Your business has momentum. Your financing should too.
Capsphere helps businesses access financing to bridge these moments — with solutions designed to provide greater flexibility around how businesses fund their next move.
Easy Loan Application
Fill up our simple application and get funded. Business projections, ROIs, etc. are not required.
Flexible Terms
Enjoy tenure up to 3 years and financing options of up to RM1,000,000.
Shariah Compliant
Raise funds via Shariah Investment Note.
Competitive Rates
Low-rates ranging from 6% p.a.
Fast Processes
Register in just 5 minutes and start financing your business within 2 weeks
How to Get Financed
1 | Register
Click on the link below to sign up. Then drop your details and leave the rest to us!
2 | Request for Financing
Gather all necessary documents and submit it with your application.
3 | Get Funded
If approved, investment notes will be up for 28 days to be funded by investors.
Term Financing
Financing Solutions
Financing for the way your business works.
Different business needs call for different solutions. Explore Capsphere's financing options and find the one that best matches your current priorities.
Shariah Financing
Financing aligned with shariah principles
Access financing structured through Shariah-compliant Investment Notes, subject to the relevant requirements.
Invoice Financing
Unlock the value of outstanding invoices
Eligible businesses may access financing against outstanding invoices, subject to assessment and applicable terms.
Term Financing
Fund your next stage of growth
Access structured financing to support eligible business expansion, working capital, equipment and other business requirements.
Contract Financing
Secure the resources to fulfil your next contract
Bridge the gap between securing eligible contracts and receiving payment with a structured financing solution.
Is your business eligible?
Capsphere currently considers businesses with an established operating track record and eligible security, subject to assessment and applicable requirements.
More than 1 year of operations
Businesses should generally have more than one year of operations and one year of audited financial statements.
Eligible Business Entities
Either a sole proprietorship/partnership/limited liability partnership (LLP)/private limited company (Sendirian Berhad) and public companies (Berhad).
Registered Business
Registered business in Malaysia under Suruhanjaya Syarikat Malaysia (SSM) and primary business operations in Malaysia.
Frequently Asked Questions
The list of criteria that needs to be met are as below:
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Registered business in Malaysia under Suruhanjaya Syarikat Malaysia (SSM) and primary business operations in Malaysia.
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The business type must be one of the following: sole proprietorship, partnership, limited liability partnership (LLP), private limited company (Sendirian Berhad) and public companies (Berhad).
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The business must be revenue generating, and have an operating track record of at least 1 year.
The applicable fees and charges are:
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- Verification fee : RM 50
- Administrative fee: RM 40
- Documentation fee: RM 800
- Success fee : 3% to 6% of the funds raised (depending on the size and the tenure of the Investment Note).
- Transaction charges :
- FPX at RM 1 per transaction
- IBG at RM 0.10 per transfer
- Stamping fee:
- 0.5% of funding amount + RM350 for charge and charge removal & any other late/amendment charges by SSM
- Prepayment Fee (if any) : Up to 20% of total outstanding returns on Investment Note.
- 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.
- Restructuring Fee (if any) : Administrative fee of 1% of outstanding Investment Note amount.
- Legal/Recovery Fees : Based on quotations given by providers.
- 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.
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 will have 28 days to subscribe (invest) to 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. MyCIF, 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.
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
Please note that the list above is not exhaustive.
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