Both individual and corporate investors may register to invest on our P2P platform. The minimum requirements to be onboarded as our individual investor are as follows:-

• Minimum age is 18 years old 
• Malaysian tax resident

Yes, you are eligible to invest with CapBay P2P as long as you are a Malaysian tax resident.

As an individual investor, you are required to provide us with a scanned copy of your NRIC (Front and back) and the header of your Bank Statement.

As a foreign investor (whether you hold Permanent Residency in Malaysia or a Malaysian tax resident), you must provide

• Scanned copy of the first page of your passport
• Additional documents that may be requested such as proof of residential address in Malaysia; but not limited to the header of your Bank Statement, utility bills, or MM2H Visa Permit.

Currently, CapBay conducts an end-to-end onboarding process for Corporate Investors. If your corporation is interested, please contact us via email at [email protected] or via mobile or WhatsApp on +60 18-777 7000.

As a corporate investor, you are required to provide the following:

• Completed Application Form 
• SSM Company Profile (SSM search)
  An alternative to the SSM company profile, please provide us the documents below:
  1. Certificate of Incorporation (Section 17); and
  2. Latest form of the Return of Allotment of Shares (Section 78); and
  3. Latest form of the Notification of Change in the Register of Directors, Managers, and Secretaries (Section 58).
• Company Constitution / Memorandum of Association 
• Board Resolution that approves this investment applicant and authorises a representative to sign the documents
• A scanned copy of Director’s NRIC (front and back)

To get started on the CapBay P2P financing platform, you will need to register an account with us. It will take less than 5 minutes to register on our platform, provided you have your details ready.

Here’s a Step-by-Step guide for you to invest with us

For now, corporate investors will be personally onboarded on to the CapBay platform by our friendly Relationship Managers. In order to register, please contact us via email at [email protected] or via mobile or WhatsApp on +60 18-777 7000.

A Sophisticated Investor can be an individual or an entity and can be defined through these criteria:

Individual

• An individual whose total net personal assets, or total net joint assets with his or her spouse, exceeds RM3 million or its equivalent in foreign currencies per year in the preceding 12 months, excluding the value of the individual’s primary residence; or
• An individual who has a gross annual income exceeding RM300,000 or its equivalent in foreign currencies per year in the preceding 12 months; or
• An individual who, jointly with his or her spouse, has a gross annual income exceeding RM400,000 or its equivalent in foreign currencies in preceding 12 months

Corporate

• A company registered under Trust Company Act with Asset under Management (AUM) of more than or equal to RM10 million; or
  
• A company listed under Company Act 1965 which is a trustee approved by Securities Commissions of Malaysia (SC) under Capital Market Service Act 2007 and has an Asset under Management (AUM) of more than or equal to RM10 million; or
  
• A company with Total Net Asset of more than or equal to RM10 million based on the last audited financials.
  
• A partnership with total net assets exceeding ten million ringgit or its equivalent in foreign currencies.

The Wealth Declaration involves sharing the following information:

• Investor to declare if you are Malaysian Tax Resident 
• Investor to declare if you are a Politically Exposed Person (e.g. a politician or a diplomat)
• Source of wealth – In compliance with Anti-Money laundering requirements, an investor needs to declare the source of their wealth. 
  • For example, we would need to have your details of employment to better understand your source of income, source of existing assets to ensure that we are adherent to the requirements of Anti-Money Laundering (AML) requirements.
• Investor to declare if you are a Sophisticated Investor.

Of course! You can always change your personal details by emailing us at [email protected] using your registered email address (which is also your account username).

Of course! You can change your bank account details by emailing us at [email protected] using your registered email address (which is also your account username).

Here in CapBay, you can start diversifying your investment portfolio with an initial investment of RM 10,000. However, we encourage you to make a cumulative investment of RM 50,000 to ensure you are sufficiently well-diversified.

Currently, we accept top ups in our Trustee Account through 3 methods, such as:

• Bank Transfer
• Online Transfer
• Cheque

Please follow the steps below to make a top up:

1. Login to your CapBay Account
2. Click the ‘Top up’ button on the top right of the screen
3. Choose the method of funds transfer
   • FPX
   • Internet Banking
   • Cheque
   • Bank Transfer
4. Enter the amount you would like to top up
5. Enter your NRIC or passport number under the ‘Reference’ field
6. Upload proof of payment
7.  Click Confirm

Your funds will be held in our trustee account with MTrustee Berhad, to safeguard the investor’s interest. Please allow 3 working days for the amount to be reflected in your CapBay Cash Account.

If your bank has set a cap on the daily transfer amount, you should increase your transaction limit with your selected bank to facilitate the top up. 

Otherwise, you will have to repeat the process until you have transferred the desired amount. You will only be eligible to invest on our platform once your total portfolio is equal to or greater than RM10,000.

Currently, CapBay has three main categories of investment notes as follows:

• Invoice Financing (e.g. IF123456): Notified and non-notified invoice financing to finance Issuers (SMEs) that supply goods and services to larger creditworthy companies and government-linked entities. Invoice financing allows Issuers to obtain upfront payment based on their invoices owed by strong paymasters.
• Dealer Financing (e.g. DF123456): Working Capital financing for Used Car Dealers that are collateralized by motor vehicles. CapBay is financing up to 80% of the financed vehicle value while investors will be secured against the full value of the financed vehicle. 
• Working Capital Financing (e.g. WC123456): Short to long term financial support to Issuers to cover their day-to-day operations or purchase of capital goods. This includes Revolving Credit – Sales, Revolving Credit – Purchase, Revolving Credit – General and Term Financing.

Yes, Shariah-compliant investment notes are specifically labelled with reference numbers starting with “i”, e.g. iWC123456, iIF123456. CapBay P2P Islamic is our P2P Auto Invest option designed for those seeking Shariah-compliant investment opportunities. This feature allows investors to have a fully Shariah-compliant investment portfolio aligned with ethical financial principles while offering competitive returns.

For investment notes to be hosted as Shariah-compliant, further evaluation is needed to ensure the businesses funded on our platform are not listed in the Shariah non-compliant business activities. Business activities that are considered Shariah non-compliant such as, among others alcohol, Shariah non-compliant entertainment related and conventional financing are not permitted by Shariah.

In terms of risk to Investors, CapBay employs the same standard of due diligence and Credit Methodology to both Shariah-compliant and conventional investment notes on our P2P platform.

Our investments notes are mostly up to 3 to 6 months, shorter than the industry standard of 12 to 18 months. You can refer to our Statistic performance to know more about the average tenure of investment notes issued on CapBay. Please refer to your investment memo and Highlight Sheet for more information.

Investing in CapBay follows the following process: 

1. Top up your funds into your CapBay account.
2. Depending on your risk appetite, you can select your preferred Auto Invest profile located in the Auto Invest tab of the Invest Now section.
3. Whenever there is a new investment note issued, CapBay will send you an email notification alerting you about it.
4. Upon receiving this email, you may review the investment note to get more details. Should you feel like you do not want to invest in the note, you can choose to manually Opt-out from investing (which means the Auto Invest will not allocate any of your funds to this note). If you don’t opt-out as per the specific time and date stated in the Email notification, you will be considered as Opted-in and funds will be invested accordingly.
5. During the launch date and time, the Auto Invest function will run and allocations may be made on your behalf if you opted-in for a particular note.
6. From that point on, if the funding target for the particular note you are interested in has not been met yet, you will still have the opportunity to manually top up your investment into that note.
7. When the funding target for a particular note is met and reflected as funded 100%, your portfolio will be updated and you will be able to view under the portfolio tab.
8. When the note has reached its tenure and is matured, the repayment amount will be credited into your CapBay Account. As long as your Auto Invest is activated, CapBay will automatically reinvest your funds for you into new opportunities.

Opting-out of an investment note means that you are not interested in investing in the particular note upon learning more details of it. If you do not wish to invest in the investment note, you can log in to your account and select Opt-out from the investment note which prevents the Auto Invest bot from allocating any funds for investment. 

After the cut off time for the “Disable Opt-out”, investors can no longer retract investment from a specific investment note as the bot had allocated the funds for the investment.

Launch date can be understood as when our Auto-invest bot is completed allocating the funds to the investment note. This is when investors can start to manually invest if Auto Invest did not allocate any funds to the investment note, or investors wish to top up the investment to the particular note. The minimum amount for manual investment is RM1,000.

The risk-based Auto Invest profiles are a unique and innovative approach to reducing your investment risk by diversifying your investment according to the specific classes of investment profiles based on your own risk appetite. 

By selecting an Auto Invest profile, you will allow CapBay to allocate your funds on your behalf based on your risk appetite and return preferences. These allocations are made from the cash balance available in your CapBay Account until your funds are fully utilised on our platform. Upon repayment of any investment note once it matures, the principal sum and any returns earned will be credited into your CapBay Cash Account which will then be reinvested if your Auto Invest is still active.

There are three Auto Invest profiles available to you:

• Conservative: Prioritise investing in the safest class of CapBay notes, trading in some returns for lower risk
• Moderate: Focus on deploying your funds faster to achieve a diversified investment portfolio
• Aggressive: Aim to generate higher returns for your investments to suit your higher risk appetite

The Auto Invest profiles have different percentage limits of your total portfolio for the following programmes: 

• Capbay Assure: Investment notes with guaranteed principal and interest (based on a reserve fund), with returns of up to 6.0% p.a.
• CapBay Select: Investment notes with lower risk and lower net returns of up to 8% p.a.
• CapBay Diversified: Investment notes with higher risk and higher net returns of up to 10% p.a.

Each percentage limit is the cap based on your total portfolio that is set for the cash that will be allocated to each programme. For example, a 50% limit to CapBay Select would translate to a RM 5,000 limit for a RM 10,000 portfolio. We will then not allocate more than RM 5,000 to notes tagged under CapBay Select.

Every time your funds are allocated into any financing notes tagged under a specific programme, your Deployed figure will increase by that amount. The Auto-invest feature will stop investing on your behalf when the Deployed figure reaches the targeted amount. When your notes mature and you get repaid, your Deployed figure will reduce accordingly.

CapBay will send an email notification to you for any new investment opportunities. From this, “Disable Opt-out” is the validity period in which you can choose to opt-out from an investment note.

Yes, you are able to opt-out from a specific investment note without deactivating your Auto-invest feature by following the below steps:-

1. Login to CapBay at:  https://invest.capbay.com/ or the App
2. Enter your login details
3. Under the ‘Invest Now’ page, click on ‘New Opportunities’
4. Turn off the slider next to the investment note you wish to opt-out. (slider will turn red with a cross if you choose to opt out)*
5. By opting out, CapBay will not help you to allocate any fund to this investment note.

 *However, if the allocation has already been made, you can no longer opt-out of or avoid investing in an Investment Note.

To disable the Auto Invest, follow the steps below: 

• Go to the Invest Now section of the platform and the Auto Invest tab.
• Unselect your Auto Invest profile and ensure no profiles are selected.

Yes! You can manually invest and/or top-up more funds to the financing note that you desire after the Auto-invest bot has completed allocation (launch date). You have the flexibility to invest more into the same investment note if the launch date is still running or before it is fully funded on our CapBay platform, but only after the launch date period is valid.

After the Auto Invest allocation is completed, you will see that you may have currently committed to the specified investment note as per the Highlight Sheet. 

You can now go to the Invest Now page, 

• Click on the New Opportunities tab, and
• Click on the Invest More button, that says CapBay platform has allocated your funds into this note and whether you would like to increase your investment.

As such, the minimum top-up to invest in CapBay P2P Financing platform is RM 1,000. For example, when you activate your Auto-invest feature, CapBay may automatically invest RM 1,000 into the investment note on your behalf. Should you wish to top up your investment, you can choose any amount that you wish; up to the funding target of the note. If you decide to manually invest an additional RM 1,000, you will be able to see your total investment allocation increase to RM 2,000.

To know more about the specific features of each programme (Assure, Select, Diversified), you can go to our platform to download the individual Highlight Sheets. Simply go to the Invest Now section and the Auto Invest tab and click on the respective programmes.

It’s simple! You can withdraw any amount from your available balance in your CapBay Cash Account and up to the total as displayed in your account. There are no charges for withdrawals and you can withdraw as many times as you like. Withdrawal requests will take 3 working days to be processed. 

You can Withdraw by following these steps below:

1. Log into your CapBay P2P Financing platform
2. Click the ‘Withdraw’ button on the top right of the screen
3. Select the reasons for withdrawal 
4. Choose the bank account you want to withdraw the money to
5. Enter the amount you want to transfer
6. Click Confirm

It’s entirely free! CapBay will not charge any fees for withdrawals. However, do check with your registered bank as per your CapBay account if any charges would be applied for withdrawal made, particularly if you are withdrawing to a foreign bank account.

Once your committed amount has been invested, it will be locked for a specific tenure of the investment note. Your funds will be credited back into your CapBay account when the invoice matures and it is repaid. If your Auto-invest Programme feature is active, the money within your CapBay Cash Account will be reinvested automatically to the new deals as they become available.

The repayments are made by the Issuer directly to CapBay’s trust accounts on the maturity date. If there is a delay, it will be considered a late repayment and after a fixed period of time, the non-payment will be considered a default.

If the payment on the invoices is made early by Issuer or if the issuer decides to make early repayment then there is a possibility of early repayment with any returns accrued up to that date. For now, there is no secondary market for investment notes. 

We encourage our Issuers / Buyers to repay early to reduce the default risk for our investors.

For notes that go into late repayment, CapBay team will update the status of the notes periodically via comments on the affected note. Do check your note status from time to time. 

Interest will continue to accrue until the actual repayment date at the same interest rates. This will then be automatically included under the Profit when repayment is made back to your CapBay account.