Minimum investment
50 USDAdvertised return
11%Investors
N/APayment options
Direct debit, Bank transferTotal funding volume
N/AAverage loan duration
12 monthsDescription
Capsphere stands as Malaysia’s first asset-based P2P financing platform, regulated and licensed by the Securities Commission Malaysia. It connects SMEs in need of working capital or expansion funds with private and institutional investors. Each investment is backed by real assets, offering increased security and ethical investment via its Shariah-compliant struc
What does Capsphere offer ?
Platform Offer for Investors:
- Invest in secured SME loan notes, with asset collateral minimizing risk.
- Expected returns average ~9% p.a., with some offerings ranging between 8–12 % depending on risk tier.
- Start with just RM50 per note; easy diversification and reinvestment options available.
- Shariah-compliant options and sustainable “ESG Notes” included.
Platform Offer for Fundraisers:
- SMEs can secure financing up to RM1 million for working capital, invoices, contracts, or growth needs.
- Flexible terms up to 3 years at competitive interest rates (from ~6% p.a.).
- Fast digital approval (~5 days from application to funding),
- Collateral-backed loans including property, equipment, vehicles, solar panels, etc.
What are Capsphere fees ?
Capsphere takes a 1% to 2% service fee from the payments of Investment Notes.
Capsphere is a member of Fintech Association of Malaysia (FAoM).
Profile strength: Intermediate
Would you invest via Capsphere?
What is the target industry of the Capsphere crowdfunding website?
Capsphere offers to invest in various crowdfunding opportunities from the SME sector.
What is the minimum amount needed to invest at Capsphere crowdfunding platform?
At Capsphere, you can start investing with US$50.
What types of investment does the Capsphere crowdfunding platform provide?
The investment models Capsphere operates is P2P lending.
