The Product
What are the financing products available for investment?
FinPAL currently offers 2 types of financing products: Invoice Financing and Short Term Working Capital Financing, the key product characteristics of which as below:
| Invoice Financing | Short Term Working Capital Financing | |
| Target Issuer | Mainly SMEs and sole proprietors supplying goods and services to major retailers, with invoices raised through B2BC’s E-Invoicing Platform. | Mainly SMEs and sole proprietors and mainly from within B2BC’s ecosystem.May offer to customers outside B2BC’s ecosystem |
| Financing Tenor | 1 month to 4 months | Up to 270 days |
| Collateral / Security | No physical collateral | No physical collateralCorporate and/or personal guarantees may be required for high value financing and/or risky Issuer/issuance |
| Repayment Mode | Bullet | Delayed monthly instalment;For financing up to 120 days (4 months), repayment will be on Bullet basis.
For financing above 120 days, instalment repayment on every 30 days interval, starting from 120th Day. Each repayment tranche represents a Promissory Note under the Financing Request. |
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…