CapBay P2P Financing: The New Low Risk Investment in Town
CapBay P2P Financing: Who are we?
CapBay P2P Financing is the new low risk investment platform in town. Today, we will be talking about how our platform not only offers investment with attractive returns but also how we endeavour to mitigate the risk of our investors.
We value your contribution and do everything in our capacity to make your investment secure and rewarding. We ensure that all our investment notes are credible to offer you a diversified portfolio of investments. Let’s check out the 9 innovative features of our CapBay P2P financing platform.
1. Invoice notes only from credible buyers
Currently, CapBay offers invoice financing investment notes from credible buyers only. We fund the Issuers (SME sellers/businesses) in our P2P financing platform via invoice financing.
In short, when an Issuer (business) sells their services or products to a buyer on credit, they often have to wait up to 120 days to get their payment. This stretches their payment term and often creates a shortage of cash flow. To reduce this long term payment, the Issuers come to our platform for funding on the basis of their invoice.
We provide them upfront payment on their invoices, which are basically funded by you, as an investor. Within 120 days, the buyer would then pay the amount due on their invoice to us. This is when your investment matures and your funding is repaid with additional interest as a return.
To know more about Invoice Financing, read Invoice Factoring: What is it & How it works?
We secure your investment in our P2P financing platform by dealing with credible Issuers that sell products or services to reputable buyers. This includes Government-Linked Companies (GLCs), Public Limited Companies (PLCs), and Multinational Companies (MNCs). This helps reduces the chances of financing loss in our platform. Besides, we use our financial supply chain management methodologies to reduce any additional risks.
2. Managing risk is our top priority
Our supply chain management expertise makes us better in managing risks in our P2P financing platform. We methodically check on our Issuers and their buyers before we let them access our P2P financing platform, as we will explain in the following points. In the event of non-payment, we also have a recourse to the Issuers in the form of a personal guarantee to protect your investment.
3. Robust tech team
We have a unique advantage over other P2P financing platforms due to our robust tech team. Our tech experts use machine learning and algorithms which allows us to emphasize more attention to details to effectively screen the Issuers who apply for funding in our P2P financing platform. This reduces the risk of human errors when we vet our Issuers and their buyers, making it safer for you to invest in them.
4. Stringent credit checking process
Our credit experts work hand in hand with our tech team to fast track our credit checking process. They adhere to both conventional and unconventional methods to check the background history and relationship between the Issuers and buyers and ensure whether the buyers have the financial strength to repay your funding on time.
Our credit team checks on traditional metrics such as financial reports and the Issuer’s and buyer’s financial performance. They also tread to an unconventional way of vetting the Issuers and buyers by creating an iterative predictive statistical model that utilizes artificial intelligence to scrutinize over 2000 trade data points for each and every transaction.
This in-house technique is developed in collaboration with our tech team so that the credit experts can quickly check the counterparty risks, relationship stability, concentration risks, and business trends for each and every Issuer and their buyer before they are allowed to access in our platform. We do not skip any step to ensure that your investment is secured and the risk level is well-managed to its minimum.
5. Measures to maintain our track record of 0% financing loss during Pandemic
We understand that the current Pandemic and the Movement Control Order (MCO) makes you anxious as an investor. To ensure your security, we are constantly in touch with our Issuers to make sure that they will repay the funding on time.
Our Funding Specialists follow up diligently with our Issuers to ensure their business wellbeing and keep tabs on their business performance. We explicitly follow up on the Issuers over calls to ensure that they can make the repayments on time. So, you can trust CapBay P2P financing platform in this time of crisis that we will deliver as per your expectation, minimizing the chances of financing loss to the best of our ability.
6. First in market, Auto-investment Programmes
New to investment? Not to worry. You don’t have to be the expert on all things investment. Our innovative Auto-investment Programmes helps you to invest easily from the comfort of your laptop or mobile, even if it is your first time investing. We can walk you through the whole process and automate your investment so that you don’t have to take the hassle on the technical details of your investment.
Currently, we have 2 Auto-investment Programmes to help manage your risk appetite for your investment:
- CapBay Diversified – A full range of notes at moderate risk and high returns.
- CapBay Select – A curated set of notes with low risk and moderate returns.
You can simply deposit your money in our platform, choose one of our Auto-investment programmes and set your target limit. We will allocate your funds accordingly, obliging certain parameters such as risk grading and maximum exposure while you can relax and wait for your investment to mature and yield attractive returns.
We have started registration in our platform and have also opened up our Early Access Programme where you can start investing with a minimum deposit of RM 10,000 only. This offer is only for a limited time only, so don’t miss out.
7. Upcoming Programmes for the Risk Averse: Introducing CapBay Assure
If you are truly risk-averse at heart, then our upcoming CapBay Assure programme will be ideal for you. Investors that are looking for the lowest risk possible, can opt for this programme. You can access a full range of investment notes under CapBay Assure but as extra security, both your principal and returns will be guaranteed by our sister company, CB Capital Sdn Bhd. The guaranteed returns on these notes will be fixed at benchmark Overnight Policy Rate (OPR) plus 2.5% to 4% p.a.
8. Short term investment
If you are hesitant to invest your money for the long term in this time of uncertainty, you are in luck. CapBay P2P financing platform offers short term investment notes with 1-6 months’ tenure. So, your money will be tied up for only a short period of time while you will get to earn up to 10% return by utilizing your money in a reliable P2P financing platform like us. This reduces your risk of long term investment where you have to wait for at least a year to get substantial returns on your investment.
We walk you through our entire P2P financing process without any concealment so that you get to know us before you decide to invest in our platform. Our Relationship Managers provide you with a high touch experience so that you fully understand how we work, how we can meet your expectations and that you have our constant support throughout your investment journey.
We aim to create a P2P financing platform that is low in risk with attractive returns. With the above 9 features, you can be assured that the 9 above features will assist to reduce your investment risk, that seeks to manage risks to its absolute minimum with every step of the way.
With the Pandemic uprising taking over the world’s economy, you need a solid plan to reproduce your money. Investing with us will give you the assurance and passive income that you seek in an investment. Your money will be tied up only for a short period of time and generate returns up to 10% p.a. without any hassle.
Register your interest in CapBay’s P2P Financing Platform and our Relationship Manager will be in touch soon.
To go directly to our P2P platform, click the button below.
If you are away from your laptop, you can simply access our CapBay P2P financing platform via mobile through our android and iOS apps. Get started today!