SHARIAH FINANCING
Grow Your Business, Guided by Shariah Principles.
Your business ambitions and financial principles can move forward together. Explore business financing structured around applicable Shariah requirements through Capsphere's asset-based P2P financing platform.
Financing that aligns with your principles
Access business financing structured around Shariah principles, helping you pursue your business goals while staying true to your values.
Shariah-aligned structure
Islamic Investment Notes use Commodity Murabahah via Tawarruq, subject to applicable arrangements.
Asset-based financing
Eligible collateral or other security may be required, subject to assessment.
Digital access to funding
Apply online and, if approved, access the P2P investor-funding process.
Support business growth
Explore funding for eligible working capital, expansion and permitted business needs.
UNDERSTANDING SHARIAH FINANCING
How Commodity Murabahah Works
Shariah financing refers to financing arrangements structured in accordance with Islamic principles and Shariah requirements.At Capsphere, our financing use Commodity Murabahah (Tawarruq) structure, reviewed and certified by Masryef Advisory.
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
Apply
Submit your business information, financing requirements and documents.
STEP 2
Assessment
Capsphere evaluates your application and applicable security requirements.
STEP 3
Islamic Investment Note
Approved opportunities may be listed for investor participation.
STEP 4
Funding and repayment
Funding and repayment follow the applicable contractual arrangements.
Is your business eligible?
Capsphere currently considers businesses with an established operating track record and eligible security, subject to assessment and applicable requirements.
Registered Business
Registered business in Malaysia under Suruhanjaya Syarikat Malaysia (SSM) and primary business operations in Malaysia.
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).
Frequently Asked Questions
Shariah financing refers to financing arrangements structured in accordance with Islamic principles and Shariah requirements.
At Capsphere, our financing use Commodity Murabahah (Tawarruq) structure, reviewed and certified by Masryef Advisory.
We offer Investment Note listings of RM 50,000 to RM 1 million, for up to 3 years of financing tenure.
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.
Supported & Recognised by:
Stay connected to your investments on the go
Stay connected to your investments on the go