Capsphere

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

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.

Capsphere takes a 1% to 2% service fee from the payments of Investment Notes.