Invoice Financing
Your Invoices Shouldn't Hold Your Business Back.
You've delivered the work. Now, put eligible outstanding invoices to work for your business. Access a potential source of working capital while waiting for customer payments.
Designed around your business needs.
Explore a financing option that responds to the way your business operates, subject to eligibility and approval.
Improve cash flow
Help bridge the gap between delivering work and receiving customer payment.
Make room for opportunities
Manage ongoing commitments while preparing for further business.
Keep operations moving
Support eligible supplier payments, inventory and operational expenses.
Finance eligible invoices
Capsphere publishes financing of up to 80% of eligible invoice value, subject to assessment.
HOW IT WORKS
A clear path from application to funding.
Each application is assessed before an approved financing opportunity proceeds to the investor-funding stage.
STEP 1
Submit invoice
Provide invoice details and supporting business documents.
STEP 2
Verification
Capsphere reviews the invoice and relevant transaction information.
STEP 3
Funding assessment
Approved opportunities may be made available to investors.
STEP 4
Manage cash flow
Use funds according to your approved financing terms and obligations.
Capsphere currently considers businesses with an established operating track record and eligible security, subject to assessment and applicable requirements.
Invoice financing: Receivables
Public sector organizations (i.e., Federal, State, or Local Government) Government Linked Companies (“GLCs”) or its subsidiaries Multinational / Large public listed companies Large/established companies
Invoice financing: Payables
General suppliers that have been supporting the company at least for the past 12 months
Frequently Asked Questions
Invoice financing is a form of short-term financing that enable businesses to convert unpaid invoices into cash upfront.
This is how it works:
Capsphere will finance up to 80% of your invoice value with financing limit up to RM500,000. The tenure of which can range from 30 – 180 days.
Applicants to provide the following:-
-
- Copy of company Director(s) NRIC
- Latest 2 years audited financial statements
- Latest management account
- Latest 6 months bank statement
- Details of existing borrowings
- Latest trade receivables aging report
- Latest trade payable aging report
Please note that Capsphere may require additional documents for application. Our representatives will inform you accordingly.
The applicable fees and charges are:
-
- 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.
- Conventional
- 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.
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