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FAQs - Get Funds


  1. Malaysia
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Frequently asked questions & answers for prospective issuers who would like to get financing from Fundaztic platform.
How do I register my business on Fundaztic.com?
我需怎么做才能在Fundaztic.com注册我的业务?

We have created a step-by-step guide to assist you with registering your business on Fundaztic.com 

在我们的网站Fundaztic.com, 我们有一个指南教导您如何注册您的业务。


Can you explain Bad Rate %?
什么是 Bad Rate?

Bad Rate %:

Bad Rate is used to predict the likelihood of the particular Note turning Bad within the next 12 months and is directly taken from CTOS SME Score where Fundaztic uses it as part of its credit evaluation process. Bad is defined by CTOS as such:
1) Missed payments with outstanding more than RM200 for 90 days or more
2) Written Off
3) CCRIS Legal Status (Bankruptcy, Summons, Auctions, etc)

The Bad Rate by CTOS is derived from an analytical study on 1 million SME entities from BNM (BNM SME Definition: Under RM50 Million Turn over) using CCRIS and CTOS data. For example, a 5% Bad Rate predicts that the Note will have a 5% chance of defaulting.

Bad Rate, 是 Fundaztic.com 在评估过程中,做为参考的步骤之一。我们采用的报告来自于 CTOS (Malaysia’s leading Credit Reporting Agency)。Bad Rate 是专门为马来西亚中小型企业创建的统计模型。违约的定义是基于巴塞尔II 协助的指引,并定义为: • 逾期超过90天的任何财务信贷额度; 或 • 没能力支付逾期全额于金融机构 有好几种方式可以用来确定,是否一个信贷可以完全支付的可能性。总结, Bad Rate, 可以用来衡量某个中小型企业在未来12个月内,是否会违约的可能性。因此,5%的违约率意味着在未来有5%的违约可能性。换句话说,Bad Rate %越低,风险越低,信用等级也越高。但是,这并不代表利率一定会更低,因为除了Bad Rate之外,还有其他重要因素会影响到借款者所需付的利率。


I realised that I keyed in some wrong information after I have submitted my application. What should I do?
我成交了我的申请之后我才发现我输入错的资料,我应该如何是好?

You are not allowed to make modifications after an application has been submitted.  Therefore, please email us at [email protected] to amend as necessary for you.

您可使用电子邮件通知我们需更改的资料,我们将会帮助您更改您的个人资料。我们的电子邮件是[email protected]。 Therefore, please email us at [email protected] to amend as necessary for you.


What Is "Varied Key Contract Terms" ?
什么是"Varied Key Contract Terms" ?

"Varied Key Contract Terms" refers to the document that covers the amendments to the signed key contract terms in the event you managed to achieve at least 80% funding goal but less than 100% of the funding amount at the end of the funding period. Only the funding amount and the monthly repayment amount will change in the supplementary key contract terms.

“Varied Key Contract Terms” 指的是,在达到至少80%融资目标,但在融资期结束时,低于融资100%情况下,对已签署的关键合同条款进行修订的文件。修改的会是融资数额,和每月还款数额。


I own many companies. How many applications can I make simultaneously?
我拥有很多公司。我能在同一时间申请多少个公司?

Fundaztic only allows for a maximum of 2 fundings per common owner / partners / guarantor at any one time; provided the 1st successful funding has been promptly serviced (repaid) for at least 12 months or have been fully settled.

Fundaztic 只允许一个业者同一时间申请最多2个资金。如果业者想要申请第二个资金,业者的第一笔资金需要成功通过,并且需要已偿还至少12个月。


Can I invite my family and friends to fund my note?
我可以邀请我的亲戚和朋友投资我的标的吗?

YES.  You are encouraged to do so because it will increase the chances of your funding being successful if supported by more people.

可以。 我们很鼓励您邀请更多的亲戚朋友投资因为这可提升您项目的成功率。


Am I allowed to fund my own note(s) ?
我可以投资在我自己的标的吗?

NO.  You are not allowed to fund your own notes.  

不可以。 您不能投资自己的标的。


What are the benefits of P2P financing for Entrepreneurs and SMEs?
企业家和中小型企业可在 P2P融资得到什么好处?

Fundaztic.com P2P financing aims to provide a simpler and better way to fundraise online. Simpler, because you can leverage a standardized template and easy online processes to apply your fundraising request. Better as you can use the full power of the internet such as digital and social media to market our fundraising activities to raise Investor awareness and encourage their participation.

Fundaztic.com P2P融资向着想提供一个更简单与方便的在线募捐方法的目标前进。以简单的方式来说,您可使用一个又简单又容易的平台去申请您所需的资金。在线募捐可让更多的投资者察觉并且参与到投资标的中。


Who is eligible to raise funds on Fundaztic.com P2P financing platform?
谁有资格在Fundaztic.com P2P融资平台上筹集资金?

Please find the requirements to be an Issuer below; Your business must be incorporated in Malaysia and registered with SSM. Your business can be registered as a Sole proprietor/Partnership or Private limited companies. Where “issuer” is a private limited company (Sdn Bhd), there need to be a minimum paid up capital of RM20,000 and a minimum of one guarantor holding a minimum of 50% shareholding in the issuer. (Corporate guarantor will not be accepted)

请在以下找到要求成为发行人的要求; 您的业务必须在马来西亚注册并在SSM注册。 您的企业可以注册为独资经营者/合伙企业或私人有限公司。 凡「发行人」为私人有限公司则须有最低缴足资本2万令吉及至少一名持有最少50%持股量的担保人。 (公司担保人将不被接受)


How much money can I raise through Fundaztic P2P platform?
通过Fundaztic P2P平台, 我可以募集多少钱?

You can raise between RM20,000 – RM200,000. However, during the funding application process the requested funding amount will be evaluated and may be adjusted accordingly alongside with other factors such as the size of the business, credit background, existing loans, etc. The final terms and conditions of an approved application will be sent online for acceptance by you before it can be listed for funding. Therefore, you will be fully aware of modifications made during credit evaluation and can decide to accept the modifications and other terms offered.

您可以募集2万令吉至20万令吉。 然而,在申请资金的过程中,所要求的资金数额将会被评估,并可能与其他因素如业务规模,信贷背景,现有借款等相应调整。批准的申请的最终条款和条件将会在网上发送给您并且等待您的验收。 因此,您将充分意识到在信用评估过程中所做的修改,并可以决定接受所提供的修改和其他条款。


Can I have more than one Issuer account for my business?
我可以拥有多个发行人帐户吗?

No, each registered business can only have one issuer account with Fundaztic.com P2P financing. Also, your registered business with Fundaztic.com P2P financing must not be hosted concurrently for the same purpose of funding on multiple P2P financing platforms.

不可以,每个注册业务只能有一个发行人Fundaztic.com P2P融资的账号。 另外,您注册的Fundaztic.com P2P融资业务不得同时用于多个P2P融资平台。


If my business is already receiving funds from another P2P platform, can I still apply for funds with Fundaztic.com P2P financing?
如果我的业务已经从另一个P2P平台获得资金,我还可以申请Fundaztic.com P2P的资金吗?

You must declare the hosting and the new application for funding via Fundaztic.com must not be for the same purpose.

您必须声明通过Fundaztic.com托管和新的申请资助不得用于同一目的。


If I submit a Fundraising application, is it published right away on Fundaztic.com P2P financing website?
如果我提交募款申请,募捐是否会立即在Fundaztic.com的P2P融资网站上发布?

No. Only applications that have been approved and terms and conditions accepted by the issuer will be listed in the website.

不可以。只有经过发行人批准的条款和条件的申请才会在网站上列出。


What do I give Investors in exchange for their investment(s)?
我以什么跟投资者换取投资?

If your fundraising is successful and you manage to raise your target amount (principal), you are expected to repay to the investors the funding principal amount + interest, per the pre-agreed repayment schedule and interest rate.

如果您的筹款成功,并且达到您的目标金额 (本金),您将按照预先同意的还款计划和利率向投资者偿还本金加本息。


How do you determine the interest amount I need to pay?
你们如何确定我需要支付的利息金额?

Fundaztic.com P2P financing will determine your interest rate according to your Risk Grade using our credit scorecard and evaluation process.

Fundaztic.com P2P融资将根据您的风险等级,并使用我们的信用评分系统和评估过程来确定您的利率。


What is Risk Grade?
什么是风险等级?

The Risk Grade is a Fundaztic.com P2P financing proprietary index of the “issuers” risk profile. There are 10 levels: A1 (lowest risk), A2, B3, B4, C5, C6, D7, D8, E9, E10 (highest risk). There are several factors used to assess the risk of an issuer and assigning the Grade. An applicant’s risk grade will determine, amongst other things, the amount of funds that an issuer can raise and the pricing that they must pay.

风险等级是Fundaztic.com P2P融资专有的“发行人”风险状况的指数。风险等级有10个等级:A1(最低风险),A2,B3,B4,C5,C6,D7,D8,E9,E10(最高风险)。 发行人的风险等级将由几个因素来评估与分配。申请人的风险等级将决定发行人可以筹集的资金数额与他们必须支付的定价。


Can I apply for more than one fundraising campaign at one time?
我可以在同一时间申请多个筹款活动吗?

At any point of time, “issuers” are only allowed a maximum of 2 active funding and up to a maximum of RM100,000 for different purposes. Upon successful and complete repayments, an “issuer” may raise up to a maximum of RM200,000 for different purposes.

在任何时候, “发行人” 最多只能获得2个积极的资金,最多不超过10万令吉。 在成功完成还款后,“发行人”可以以不同的目的筹集至20万令吉。


Am I able to get the funding as soon as they are committed by the Investors?
当投资者投入资金时,我是否会马上得到款项?

No. Before a listing to raise funds is published the “issuer” is given a fundraising period of 10-days. You are only allowed to access “investor” funds if you achieve a minimum 80% of the approved funding amount in “investor” commitments before the expiry of your fundraising period. If you do not achieve the minimum 80% of the approved funding amount, then, the funds will be automatically returned to the “investors”.

在募集资金上市之前,“发行人”的募捐期限为10天。如果您在筹款期限到期之前达到“投资者”承诺的批准资金数额的80%,您只能获得“投资者”资金。如果所筹额未达到批准资金数额的最低80%,那么资金将自动返还给“投资者”。


How long do I have to reach my target fundraise amount?
我有多长的时间让我达到我的目标筹款金额?

Each funding period will be listed for 10-days.

每个融资窗口将列出长达10天。


Will everyone be able to see the information posted on the website?
每个人都能看到在网站上所发布的信息吗?

We encourage the Issuers to disclose all the information required to create transparency and raise awareness with prospective Investors. However, Fundaztic.com P2P financing will not disclose the “issuer’s” company name.

我们鼓励发行人透露所有必要的信息, 以便与投资者建立透明度并提高意识。 不过, Fundaztic.com P2P融资不会透露“发行人”的公司名称。


If my fundraising is successful, how do I receive their money?
如果我的筹款成功了,我怎么才能收到他们的钱?

If the fundraising campaign is successful, the funding amount will be disbursed to the bank account you specified during the funding application process.

如果筹款活动成功了,资助金额将会发放给您在申请过程中指定的银行账户。


Will I receive the full funding amount approved?
我会收到被批准的全部资助金额吗?

No, amount to be disbursed will be the funded amount less origination fees and any other charges (such as stamping fees) as well as the 1st month installment. This information will be made known upfront during your application process.

不会, 发放金额将是资金减去起始费和任何其他费用 (如冲压费), 以及第一个月的分期付款。 这些信息将在您的申请过程中提前公布。


How do I repay my funds back to the investors?
我如何偿还投资者的资金?

Once your funding is successful, you will be repaying your funds through monthly repayments as per the pre-agreed repayment schedule. These payments can be made via the website using MYCLEAR’s FPX facilities.

一旦您的筹款成功,您将按照预先约定的还款时间表每月还款。 这些付款可以通过网站使用MYCLEAR的FPX设施。


Can I repay my funds early and will there be any penalty?
我可以提早偿还资金吗? 提早偿还资金需要付任何违约金吗?

Yes. Early settlements are allowed with no penalties.

Should the Issuer wish to repay a Funding early and end the Funding Contract, they may do so, but they must repay the entire Funding Amount. The Issuer can do so by giving Peoplender fifteen (15) Business Days prior written notice in respect thereof and repaying the full Funding Amount that the Issuer owes to the Investors under the Funding Contracts in respect of the Funding. Peoplender Sdn Bhd shall grant the issuer a rebate on interest upon such early repayment based on the formula below: -

penalty.png

Where: -

X = Remaining funding tenure (months)

Y = Funding tenure (months)

Total Interest = Funding Amount x Interest rate x tenure (months)/12

可以。 借贷企业提早偿还资金不需要付任何违约金。

提前还款

如果企业希望尽早偿还资金并终止资金合同,提前还款是被允许的。但企业心须偿 还整个资金金額。企业可以通过提前十五(15)个工作日向Peoplender Sdn Bhd( Fundaztic 平台运营公司〕发出书面通知,并根据资金合同摊还所有拖欠投资者的全 部资金金額。根据以下公式,Peoplender Sdn Bhd会根据提前还款向企业发出利息回扣:-

penalty.png

X = 剩余的摊还期(月)

Y = 借贷摊还期(月)

总利息 = 资金金额 x 利率 x 摊还期(月)/ 12


Can I make extra repayments towards my funds?
我可以在还款时缴付比指定的数额多吗?

Yes. The extra repayments made will be duly reflected and shall be used to automatically offset the following month’s repayments.

可以。 多出的还款将自动用于抵消下个月的还款。


What happens if I miss my monthly installment?
如果我错过了每月分期付款,将会发生什么事?

Your funding is made possible by multiple investors and it is your responsibility to make prompt repayments. A 2% late payment fee of the monthly installment amount subject to a minimum of RM80 and maximum of RM250 will be imposed after a 7-days grace period.

你的资金是由多个投资者提供的,您有责任定时偿还。 7天宽限期后,您需而外缴付每月分期付款2%的滞纳金,最低限额为80令吉而最高限额为250令吉。


Will I be reminded or informed of my late/missed payment?
我会被提醒或通知我迟缴付/错过的付款吗?

3 days prior to the due date of your monthly repayment, Fundaztic.com will send a reminder SMS to your registered mobile number. Fundaztic.com will also send SMS notification on missed payment 2 days after the due date to remind for payments.

在您每月还款到期的日前3天, Fundaztic.com将发送提醒短信到您注册的手机号码。 Fundaztic.com也将在截止日期后的两天发送错过了付款的短信通知, 以提醒您付款。


What will happen if I do not pay back my funding to the Investors?
如果我不把资金还给投资者会怎么样?

Your funding is made possible by multiple investors and it is your responsibility to make prompt repayments. Fundaztic will use its internal collection and recovery team and where necessary, a professional 3rd party debt collection agency to collect delinquent accounts. Collection arrangements, whether internal or external are all required to comply with all applicable laws in collecting delinquent accounts of the platform’s issuers. Any charges, legal or otherwise, arising from the deliquency(ies) will have to be borned by you. In addition to this, we will report your monthly repayment status and records to all the major Credit Reporting Agencies in Malaysia.

您的资金是由多个投资者提供的,您有责任定时偿还。 Fundaztic将使用其内部收集和回收团队,必要时还将使用专业的第三方收债机构收集逾期账户。 收集安排,无论是内部还是外部,都需要遵守所有适用法律,收集平台发行人的拖欠账户。 任何由于犯罪行为而引起的法律或其他方面的指控都必须由您来承担。 除此之外,我们还会向马来西亚所有主要的信用报告机构报告每月的还款情况和记录。


When is my payment considered LATE?
在什么时候,我的还款被定为“逾期”?

Your instalment is classified as LATE after 7 days from the payment due date. Currently, all issuers will be given a 7-day grace period from due date to make their monthly repayments. Once the issuer has exceeded the 7-day grace period, only then the Note will be classified as LATE. The grace period may be changed by Fundaztic depending on suitability. Once a payment is classified as LATE, a late penalty fee will be charged to the issuer. All our fees and charges for issuers can be viewed here.

你若在最后还款日的7天后(7天宽限期)才做出摊还,被视为“逾期”。目前,所有融资者拥有7天的宽限起(从最后还款日开始算起)。一旦融资者超过7天的宽限期还没做出摊还,将被定为“逾期”。Fundaztic保留制定宽限期天数的权利。
一旦该还款被定为“逾期”/“迟还”,融资者将需要缴付“逾期罚款”。所有融资者需要付的费用与款项可在此查阅。


When is my payment classified as DEFAULT?
什么时候我的融资标的被定为“呆账”?

Your payment will be classified as DEFAULT after being LATE for 3 consecutive months. E.g. Note A’s payment due date is on 1st January. If the Issuer of Note A has still not make any payments by the 8th of February (after the 7-day grace period), the Note will then be classified as DEFAULT.

如果你连续3个月逾期摊还,该标的将被定为“呆账”。例如,标的A的摊还期限为1月1日。如果标的A的融资者在2月8日(包括7天宽限期后)还没做出摊还,该标的则被定为“呆账”。


What will Fundaztic do if I continue not to pay?
如果我坚持不做出摊还,Fundaztic会采取任何行动吗?

Fundaztic has the full authority on behalf of our investors to pursue recovery actions from defaulted Issuers through legal summons, using recovery services, substituted services and even all the way up to bankruptcy if necessary.

Fundaztic拥有法律权利,以帮助我们的投资者通过法律程序向“呆账”公司(融资者)进行诉讼,直至破产阶段。


Are my repayment records reported to any authorities?
Fundaztic会向任何信誉机构汇报我的还款记录吗?

Yes, Fundaztic reports all our issuer’s repayment status to all THREE credit bureaus in Malaysia. I.e. Credit Bureau Malaysia, CTOS and RAMCI.

会。Fundaztic将会向马来西亚3个主要的信誉机构做出汇报,当中包括,Credit Bureau Malaysia, CTOS and RAMCI。


What are the eligibility criteria that I MUST meet in order to have my application duly considered?
我必须满足哪些资格标准才能让平台充分地考虑我的融资申请?

You must own or be a part of a business registered with SSM be it sole proprietorship, partnership or sdn bhd. We do not impose on a minimum number of years in business but you must have a credit history or credit records of AT LEAST 1 YEAR for your credit application to be considered. If you do not have sufficient and good credit track records, we will not be able to fully evaluate your application and it will be rejected.

你必须是通过SSM合法注册的Sole Proprietorship,Partnership, 或Sdn Bhd的部分股权持有人。 平台并没有规定企业投入运营的年限,但企业的法人必须拥有至少1年的信用记录,以便平台能对你的融资申请做出考虑。 如果您没有足够或良好的信用记录,我们无法完全评估你的融资申请,所做出的申请也将被拒绝。


What is CTOS SME Score?
什么是CTOS SME Score?

The CTOS SME Score is a unique credit risk assessment tool that provides Fundaztic extending trade credit information with an effective rank ordering system of credit risk for small and medium-sized enterprises (SME).

This scoring model gives Fundaztic the power to make consistent, objective risk decisions as they assess the credit worthiness of the businesses and owners to which they extend credit, including loans, leases and trade credit.

For more information please click on the following link:
https://ctoscredit.com.my/business/evaluate-new-customer/ctos-sme-score/

CTOS SME评分是一种独特的信用风险评估工具,可为Fundaztic提供信有效的中小企业信息以做出信用及风险评估。

这评分模型使Fundaztic能够做出客观的风险决策,透过CTOS,平台能够评估企业和所有者的信用值,并审批该信贷申请。

有关更多信息,请单击以下链接:
https://ctoscredit.com.my/business/evaluate-new-customer/ctos-sme-score/


What are the benefits for Fundaztic using CTOS SME score for its credit evaluation?
Fundaztic使用CTOS SME score进行信用评估有什么好处?

1) The CTOS SME score has a higher GINI Coefficient score compared to other credit models in the market. The GINI Coefficient evaluates the prediction power of the model, which means that the CTOS SME Scorecard has a higher level of predictive accuracy in sieving out between Good and Bad customers.

2) The CTOS SME Score Model is comparatively updated within the market and the model conducts regular calibration in order to stay relevant to the industry. CTOS will also take steps to adapt to any internal and external changes accordingly to ensure consistent and optimal model-based decisions are being made.

3) CTOS SME Score Model uses a Dual Score Methodology which is designed specifically to cater for both Company (Sdn Bhd) and Business (Partnership/Sole Prop) Entities. Companies and Businesses behave differently, hence their respective score model have different key characteristics.

1) 与市场上其他信用模型相比,CTOS SME score的GINI系数更高。 GINI系数评估了模型的预测能力,这意味着CTOS SME scorecard在筛选好客户和坏客户之间具有更高的预测准确性。

2) CTOS SME评分模型在市场中进行了相对更新,并且该模型会定期进行校准以与行业保持联系。 CTOS还将采取措施以适应内部和外部的任何变化,以确保做出一致且最佳的基于模型的决策。

3) CTOS SME评分模型使用了双重评分方法,该方法专门设计用于满足公司(Sdn Bhd)和业务(合伙/独家代理)实体的需求。 公司和企业的行为方式有所不同,因此它们各自的评分模型具有不同的关键特征。


What is a Dual Score Methodology?
什么是CTOS Dual Score Methodology?

Dual Score Methodology caters for both Company (Sdn Bhd) and Business (Partnership/Sole Prop) Entities. Companies and Businesses behave differently, hence their respective score model have different key characteristics. Below are the differences in key characteristics for both Company and Business:-

Dual Score Methodology 评分方法适用于公司(Sdn Bhd)和业务(合伙/独资)实体。 公司和企业的行为方式有所不同,因此它们各自的评分模型具有不同的关键特征。 以下是公司和业务的主要特征的差异:-


Company

Company

Business

Business

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