CapBay P2P Invest – A Step by Step Guide to Invest in our Platform

Peer-to-Peer (P2P) investing is a method of alternative financing that matches businesses directly to investors to obtain finance. P2P investing does not require a middleman such as a financial institution to work as an intermediary. It’s a two-way street where the businesses have the opportunity to raise funds for their company and you, as an investor, get to provide financing to local businesses while gaining attractive returns.

The CapBay P2P financing platform adopts a transparent policy, boasting attractive net returns from a pool of available investment notes at your disposal. We have made the process of P2P financing easier with customer-friendly approaches, and a seamless approach to investing. Now, you can invest your savings in a trusted platform to earn attractive returns.

Before we tell you more about our P2P platform, let’s learn about how it works.

How Does our P2P Platform Work?

CapBay P2P works great for businesses that need funding and for individuals who are looking for creditworthy alternative investments for their savings. We match both of their needs, turning separate challenges into a win-win opportunity.

For instance, if an SME requires more capital to run its operation, it can request for financing from the CapBay P2P financing platform. We will then undertake a rigorous assessment to ensure that the SME Issuer (applicant) has a sound financial capacity to repay the financing in due time, assigning them a risk grading in the process.

Once the SME Issuer’s application is approved, the required financing is crowdfunded from the investors via the CapBay P2P financing platform. We will facilitate the whole crowdfunding process, ensuring that the entire process is seamless. The savings you invest in the platform will be kept in a trust account, to which we won’t have any access to. We will then collect all the invested funds from the crowdfunding exercise and disburse the aggregated amount to the SME Issuer once the target has been met.

Once your investment matures, your principal and returns will be credited back into your CapBay P2P account. The end result is, the business will have its required financing in its time of need, while you earn an attractive return on a short tenure investment in a simple and effective way.

In P2P financing, it is advisable to split your investment into a variety of notes to invest into different businesses. Diversifying your investment across multiple businesses will reduce the impact of defaults on your portfolio.

CapBay P2P will guide you through your entire investment journey and notify you on every investment note so that you can track the progress of your investment at any given time. Whenever a new note is issued, an email will be sent to you to ensure that you are up to date on all the investment offers available.

We aim to make a difference by creating a platform that encourages transparency. Investing with peace of mind and clarity is what we offer to our investors.

So, how do you invest in CapBay P2P Financing platform?

Just follow these 7 simple steps to be a part of the P2P Investing journey.

7 Easy Steps to Invest in our P2P Platform

1. Get your documents ready before you sign up

Scanned copy of your Identification Card (IC) (front and back)
Mobile number for One-time PIN (OTP) verification
Details of your bank account
Bank statement copy

2. Register on the CapBay P2P Financing Platform

Download the CapBay P2P Invest app on the App Store or Google Play Store or go to http://invest.capbay.com/
Complete your basic details to create your account
- Full Name (as per Identification Card / Passport)
- Email and Mobile verification
- Password details
- Banking information
- Wealth declaration

3. Make an Initial Deposit of at least RM 10,000

You can get started by investing with a minimum portfolio of at least RM 10,000. However, we suggest that you build up your investments to RM 50,000 in order to ensure that you are sufficiently well diversified, allowing us to allocate your funds into a diverse range of investment notes.

To make a deposit, transfer the money from your bank account to our P2P account via bank transfer, internet banking or cheque. As of this time, we do not allow any cash deposits into our platform.

Next, submit a deposit request through the CapBay P2P platform, including the payment receipt as proof of your payment. Once you make the submission, we will approve your deposit within 3 working days.

4. Set up your Auto-Invest Target function

We are the first in the market to introduce Auto Invest functionality to simplify your investment journey. Our Auto Invest function will automatically diversify your investment across various notes within our investment platform.

In the Auto Invest page, you will be able to select your Auto Invest profile that will allocate your portfolio into our programmes. These profiles have allocation – that correspond directly to your risk preferences, allowing you to tailor your investment according to your personal needs.

Once selected, the Auto Invest function will allocate your funds with varying limits between our programmes, such as:

CapBay Select – A carefully curated set of low-risk investment notes with moderate net returns of up to 8% p.a.
CapBay Diversified – Full range of investment notes with moderate risks and higher net returns of up to 10% p.a.
CapBay Assure – Our safest notes, delivering net returns of up to 6% p.a. with principal and interest guaranteed via a reserve fund

5. Start Investing

Once you have made your initial deposit and selected an Auto Invest profile, every time a new note is launched, an email notification will be sent to you. You can view the note on the platform by navigating to the New Opportunities page under the Invest Now tab.

Find out more information about the note by downloading the investment memo
Choose to opt-in or opt-out of a note before it launches
After the investment note launches, your funds will automatically be invested in it, based on our allocation policies
You can also manually top up your investment on a note up to its funding limit after the Auto Invest allocations for the note has been performed

6. Earn Your Return Once the Investment Matures

Once the note reaches its maturity, you will earn attractive net returns of up to 10% p.a. (depending on the programme and investment note you choose) on top of your principal. This amount will be credited back to your CapBay P2P account.
If you wish to withdraw your returns, turn off your Auto Invest by unselecting the profiles once your investment matures. This will ensure that your funds will not be automatically reinvested, and are ready for withdrawal.
If you do not cash out your investment after it matures, it will automatically be reinvested to provide compounding interest on your investments.

7. Monitor Your Portfolio

Now that you know how to invest, get familiar with the following tabs to keep track of your investment:

Invest Now Tab – Overview of your cash balance, annual return and loss rate
Performance Tab – Provides details on how your returns have been calculated
Portfolio Tab – Gives an overview of the status of your notes

What are the Benefits of Investing with the CapBay P2P?

Accessible by web platform and mobile app from anywhere, at any time
Short investment tenure of 1 to 6 months
Safer alternative investment platform with a 0% default rate
Personalised service with Relationship Managers providing investor support
One of the Firsts-in-market Auto Invest programmes
Transparent returns with detailed breakdowns of net returns provided upfront to ensure that there are no hidden fees

Conclusion

The CapBay P2P financing platform takes away the complexity of investing. You can invest via your mobile device or browser from the comfort of your home, based on your preference, with customer-centric features that ensure ease of use. Reach out to us if you have any queries. In the meantime, we will continue to post more about our platform on our blogs and social network, so keep connected to learn more exciting stuff about our P2P platform.