Returns and Charges
Are there any fees or charges involved on Investor?
FinPAL does not charge Investors a fixed fee. Instead, FinPAL operates an Interest Sharing scheme with the Investors. The sharing ratio to Investors varies according to the source of interest collected.
| Source of Interest Collected | Sharing ratio to Investors | Sharing ratio to B2B FinPal |
| Invoice Financing | 70% | 30% |
| Short Term Working Capital Financing | 70% | 30% |
| Bank interest on unutilised fund | 70% | 30% |
Can I register as an Issuer and an Investor simultaneously?
Currently, there is no rule restricting you to register as Issuer and Investor simultaneously. You will be required to open separate accounts for each, using different…
Is FinPAL regulated?
Yes, FinPal is a Registered Recognised Market Operator, governed under Section 34 of Capital Markets and Services Act 2007 (CMSA) by Securities Commission of Malaysia…
Are my funds at risk if FinPAL becomes insolvent?
Your investment funds are held on trust on your behalf in a segregated Investor Trust Account which cannot be transferred to FinPAL Accounts. Additionally, FinPAL…