Returns vary with each Investment Note, but the general expected returns range from 8% - 12% p.a.
When considering an Investment Note, you can view all its details in the Fact Sheet, including:
Risk rating
Expected returns
Total funding amount
Tenure and security
There are no upfront fees for Investors.
Capsphere takes a 1% to 2% service fee from the 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 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 2% of monthly payments
Withdrawal Fee: RM 0.10 per withdrawal
Processing Fees:
FPX at RM 1 per transaction
SST (if any) : 6%
Legal/Recovery Fees: Based on quotes given by providers.
These fees will be shared by all Investors (weighted by the amount invested by Investor).
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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.
You can withdraw the balance in your account at any time when Issuers make repayments into your account. Withdrawals will then take 2 to 3 business days to be processed and received into your bank account.
While some tenures on our platform may be up to 3 years, your funds are not locked in for the whole tenure period.
Withdrawal fee is RM0.10 per withdrawal. This fee is to process the transaction or to wire the withdrawal amount to your dedicated bank account. ​
Investors can expect payments based on the type of payment of the Note subscribed.
Currently, Capsphere is offering 4 types of payment as follow:
Amortisation
Bullet
Interest Upfront
Interest Monthly
When Issuers make payments, Capsphere will debit to the relevant Investors' accounts that have subscribed to the Investment Note. This amount will be pro-rated based on the investment contributions made by each Investor.
We have a very rigorous policy for monitoring monthly late payments. Our systems will flag late payments, which will mobilise our team to liaise with the Issuer for further action. For late payments, a charge will be incurred to the Issuer after 7 days. This is calculated based on the number of days Issuer is late in paying, whereby a portion will be credited to Investors as part of compensation for the delay.
More information on late payment charges can be found in our Terms & Conditions.​ ​