Property-secured financing allows businesses to use their property as collateral to secure funds. This way, they can access cash by unlocking the value of their property, which can then be used for business growth, equipment purchases, or covering operational costs. It’s an effective solution for businesses to get the funds they need without selling their assets.

Financing Amount

Revolving financing of up to RM2 million, subject to the credit limit granted to Issuer. Issuer may structure their drawdowns in multiple notes of different sizes and tenures, subject to its business need, subject always to its available credit limit.

Financing Tenure

Each drawdown offers the Issuer the flexibility to choose a financing term between 30 and 360 days.

Repayment Structure

For each drawdown up to 120 days (4 months), repayment will be on Bullet basis.

For each drawdown above 120 days, on delayed monthly instalment basis, whereby instalment repayment on every 30 days interval, starting from 120th Day.

Property-secured financing is backed by valuable real estate assets. The property acts as collateral, meaning that if the Issuer defaults on the financing, B2B Finpal has the right to seize and sell the property to recover the investment on behalf of the investors.

The recoverability of the investment and time taken for recovery depends on the conditions of property market at that point of time. The proceed from the disposal of the property after netting off the costs/expense incurred during the recoveries / disposal, would be used to pay off your outstanding investment (in proportion to each investor’s invested sum).

In the event the property is sold for more than what is needed, the remaining funds will be returned to the Issuer.

Return to Investor is derived from:

*Note:

• Interest is charged to Issuer for the principal sum of each repayment instalment from disbursement date to actual repayment date
• Pricing determined based on risk grading assigned to Issuer with investment sharing ratio of 70%/30%

The Issuers for property-secured financing are subject to the same rigorous due diligence and credit assessment process. Whilst the property is usually valuable, there is always a chance that the auction price might not fully recover the outstanding amount owing by issuer. To reduce this risk, we have set policy of allowing margin of financing at not more than 60% of property market value.

Our legal team will also monitor the auction process closely to make sure the best efforts are made to recover the funds in case of a default.

We remind you to:

• Read our GENERAL RISK STATEMENT carefully and/or consult your professional advisers to ensure you understand the risk associated
• Practice good investment habits by investing within your financial means and affordability.