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SSM-Regulated · Interest Schemes Act 2016

A Regulated Way for Malaysian Businesses to Raise Capital

MyKapital is Malaysia's dedicated platform for SSM-regulated Interest Schemes - a structured way to raise capital without equity dilution or taking on high-cost debt.

From MyKapital

Most Malaysian businesses don’t fail because of bad ideas. They struggle because funding isn’t built for them.

MyKapital enables businesses to raise capital through SSM-Interest Schemes giving subscribers a trusted, transparent way to participate.

1,001+

Subscriber Community

02

Schemes Raised

RM 2.50M+

Capital Raised

Live Schemes

Schemes on MyKapital

Browse structured fundraising schemes from established businesses. Every scheme listed on MyKapital is approved by SSM before listing.

Pre-Live Schemes

Schemes Coming to MyKapital

Explore upcoming schemes on MyKapital and discover new fundraising opportunities before they go live.

Understand SSM Regulated Interest Scheme

What is an SSM Regulated Interest Scheme?

An Interest Scheme is a regulated fundraising structure under the Interest Schemes Act 2016, allowing businesses to raise capital from multiple subscribers without giving up equity or taking on traditional debt.

In simple terms

It allows businesses to pool capital from subscribers through a structured framework with clearly defined terms for participation terms. All schemes operate within a regulated environment designed for transparency and accountability.

Retain Full Ownership

Raise capital without diluting equity or giving up control of your business.

Regulated & Trusted

Structure under SSM oversight, ensuring transparency, accountability, and subscriber confidence.

Flexible Structuring

Tailor your scheme to fit your business model- from Investment to membership, timeshare or recreational structures.

Shariah-Compliant

Designed to meet Islamic finance principles, enabling broader participation across subscriber segments.

How It Works

Understanding the Capital Raising Journey

A simplified overview of the journey businesses go through to structure, obtain approval, and raise capital through an Interest Scheme and how MyKapital supports you post-approval.

Phase I · Preparation
Phase II · Execution
Phase I · Preparation
1

Step 1

Feasibility & scheme structuring

2

Step 2

Submission & approval by the SSM

Phase II · Execution
3

Step 3

Approved scheme listing on MyKapital

4

Step 4

Raise capital digitally

5

Step 5

Management, reporting & payouts (if applicable)

Table Comparison

Why Issuers Choose MyKapital Over Manual Execution

Running an Interest Scheme manually can be complex and operationally intensive. MyKapital simplifies and digitises the entire process.

  MyKapital Platform Manual Setup
Onboarding & Setup MyKapital Platform Fully digital onboarding and structured setup
Manual Setup Manual documentation and coordination
Investor Management MyKapital Platform Centralised dashboard for tracking all investors
Manual Setup Fragmented records, spreadsheets, manual tracking
Subscription Process MyKapital Platform Digital subscription, automated records
Manual Setup Paper-based or manual processes
Compliance & Reporting MyKapital Platform Structured tools aligned with SSM requirements
Manual Setup Manually prepared and managed
Communication MyKapital Platform Built-in investor communication and updates
Manual Setup Manual emails and follow-ups
Payment & Tracking MyKapital Platform Integrated tracking and transaction records
Manual Setup Manual reconciliation
Scalability MyKapital Platform Designed to scale with more investors
Manual Setup Operational complexity increases significantly
Transparency MyKapital Platform Real-time visibility for issuer and investors
Manual Setup Limited and delayed visibility

FAQ

General FAQ Questions

These are general quetions asked from subscribers and issuer.