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…

Is my investment secured?

FinPAL does not hold any tangible collateral from the Issuer as a security against the Issued Note(s). However, depending on the credit assessment of the Issuer,…

How would my investment be impacted in the event of delinquent / default?

In the event of any delinquent and/or defaulted Issued Note(s), FinPAL may incur costs such as legal fees and collection charges in recovering the Issued Notes amount…

What is the default rate?

In view of our greenfield operation, we do not have sufficient transaction histories for meaningful statistic. An indicative probability of default by reference…

What happens if Issuer defaulted on Issued Notes?

In general, an Issuer is considered to have defaulted when the Issuer fails to repay any of its Issued Note(s) after 90 days from the due date of the said Note(s). In…

What happens if Issuer missed payment on the due date?

An Issuer is considered as delinquent the moment the Issuer missed payment(s) for any one of its issued Note(s). FinPAL will pursue for payment rigorously to ensure…