Term Financing
Turn Your Business Ambitions Into Action.
Give your business the financial support it needs to take the next step. Explore asset-based P2P financing for eligible expansion, capital expenditure and working capital needs.
Designed around your business needs.
Explore a financing option that responds to the way your business operates, subject to eligibility and approval.
Business expansion
Fund eligible growth initiatives, expand operational capacity and prepare for new opportunities.
Working capital
Manage essential operating expenses with funding aligned to your approved terms.
Eligible business assets
Explore financing for equipment and capital expenditure that supports productivity.
Asset-based structure
Eligible collateral or other security may be required, 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
Apply online
Share your business details, financing needs and supporting documents.
STEP 2
Assessment
Your business, repayment capacity and collateral are reviewed.
STEP 3
Islamic Investment Note
Approved opportunities may be listed for investor participation.
STEP 4
Funding
Funds are disbursed once the relevant funding conditions are met.
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
Term financing is a form of financing that are offered to businesses for capital expenditure, expansion and working capital purposes
This is how it works:
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