For Investors
Inclusive Investment Opportunities for Malaysians
Access investment opportunities in Malaysian businesses through an asset-based P2P financing platform designed to connect investors with growing SMEs.
Up to 12% p.a.
RM50
Minimum Investment Amount
1200+
Registered Investors
Up to 12% p.a.
RM50
Minimum Investment Amount
1200+
Registered Investors
Built for Investors
Explore opportunities with information designed to help you understand each Investment Note before making your own decision.
Support Local SMEs
Put your capital to work by financing eligible Malaysian SMEs and contributing to the growth of homegrown businesses.
Licensed P2P Platform
Capsphere is a Registered Market Operator (RMO) with Securities Commission Malaysia.
Shariah Compliant
Access Islamic Investment Notes structured in accordance with Shariah principles.
Monthly Payments
Reinvest monthly payments into new Investment Notes for higher returns.
Sustainable Investments
Start investing sustainably and create an impact in ESG Notes.
Lowered Risk
Asset-based P2P via collaterals and rigorous assessment of Issuers reduces investor risk.
BECOME AN INVESTOR
Sign up today!
1 | Register
Fill in your information in the link below to get started.
2 | Deposit
Deposit RM200 into your account and we’ll confirm your profile within 2 working days.
3 | Invest
Choose your favorite Notes to invest in. Investment starts as low as RM50!
Investment Opportunities
Solar Industry
10%
Returns P.A.
400,000
Amount
9 mth
Tenure
Security:
Corporate Guarantee, Cash Deposit
Purpose:
Working Capital
Rating:
D+
[SARANA] Medical Equipment
12%
Returns P.A.
105,000
Amount
3 mth
Tenure
Security:
Personal Guarantee, Notice of Assignment
Purpose:
Contract Financing
Rating:
D
Wholesale
11%
Returns P.A.
200,000
Amount
4 mth
Tenure
Security:
Personal Guarantee, Notice of Assignment
Purpose:
Invoice Financing
Rating:
D+
* Disclaimer: For illustration purposes only. The notes shown are not live listings, and some of the notes displayed have already been successfully funded.
Investment Guided by Shariah Principles
Capsphere offers Islamic Investment Notes structured using Commodity Murabahah via Tawarruq.
SAFEVESTING
Invest with reduced risk
Capsphere Safevesting are Guaranteed Notes offering expected and stable payments over a specified term.
This enables investors to receive a portion of their investment at the end of the tenure.
First time investor? We've got you covered!
All our Investment Notes come with an easy-to-understand Factsheet that illustrates the financials, nature of business, and ratings of SMEs.
Our Factsheet aims to create transparency while helping Investors in their decision-making process.
Frequently Asked Questions
Yes, Capsphere is regulated and recognized by Securities Commission Malaysia as a Registered Market Operator (RMO).
There are no upfront fees for Investors.
Capsphere takes a 10% to 30% service fee from the interest payments of Investment Notes when they are paid by the Issuer (the exact charge will depend on the size and tenure of the Investment Note). Investor service fees are deducted from Issuer interest payments, hence there are no requirements for Investors to actively make any payments for such fees.
If the Issuer is unable to continue to pay their Investment Notes, Investors will not be charged a service fee on the remaining uncollected amount of the loan.
Investors will be subjected to third party charges, such as bank and processing fees, legal charges, and taxes. The list of applicable fees and charges are as below:
- Investor Service Fee: Up to 10% – 30% on the interest payments
- Withdrawal Fee: RM 0.10 per withdrawal
- Processing Fees:
- a. FPX at RM 1 per transaction
- b. SST (if any) : 8%
- Legal/Recovery Fees: Based on quotes given by providers.
- Other Fee: Fees and expenses in relation to the investment programme, recovery, enforcement, or third-party assignment-related costs, as may be provided in the Agreement. These fees will be shared by all Investors (weighted by the amount invested by Investor).
Capsphere will attempt to recover all legal/recovery fees from the relevant Issuer. In the event where fees are recovered, these fees will be reimbursed to Investors.
No interest is generated from deposits.
Yes, as long as you have a registered Malaysian bank account.
Yes, we offer Islamic Investment Notes that adhere to the Shariah principle of Commodity Murabahah via Tawarruq arrangement.
We are guided by our Shariah Advisers to ensure that we are in compliance with the resolutions issued by the Shariah Advisory Council of the Securities Commission of Malaysia (SACSC) and regulations issued by the Securities Commission of Malaysia (SC).
Supported & Recognised by:
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