What is SSM Interest Scheme?

The Interest Scheme is a regulated fundraising mechanism under the Interest Schemes Act 2016, regulated by the Companies Commission of Malaysia (Suruhanjaya Syarikat Malaysia, SSM). It empowers businesses to raise capital by offering interests in structured schemes without the need to issue shares. This flexible, non-dilutive alternative to traditional financing allows companies to tailor funding strategies that align with their business growth goals.

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Why Interest Scheme?

Pooling of Public Funds

Collect contributions from multiple investors under a common scheme

Non-Equity Based

Raise capital without giving away company shares

Long Scheme Period

Typically structured for 5 to 10 years or more, allowing stable, long-term business planning

Innovative Business Models

Can include usage rights, profit sharing, fractional ownership, and more

Shariah- Compliant Scheme

Option to structure in accordance to Islamic finance principles- ideal for attracting Muslim investors.

Buyback Options

Optional or scheduled buyback mechanisms for investor exit.

Regulated by SSM

Governed under the Interest Scheme Act 2016

Open to All Investors

Accessible to Malaysia investors and foreign investors

Does Your Business Fall Into This Category?

If yes, it’s time to unlock your growth potential with

Does Your Business Fall Into This Category?

If yes, it’s time to unlock your growth potential with

Nursing / Rehabilitation Club

Memorial Park

Marina Club

Health &
Wellness Centre

Golf /
Recreational Club

EV-Technology

Education
(Institution/Schools)

Tele-
Communication

Retirement Home

Property

Premium Transportation
‍

Confinement Home

Tourism

Bio-Technology

Agriculture / Farming

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Does Your Business Fall Into This Category?

If yes, it’s time to unlock your growth potential with

Type of Interest Schemes

Investment Schemes

Investors fund business ventures and receive fixed returns, variable, or performance based without direct involvement in the management of the business or project.

Agriculture
Education
Technology
Health & Wellness
Other Business
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Time Sharing Schemes

Investors pay to own the rights to use a property for a specific period of time, without owning the actual unit of the property.

Property
Hospitality/
Tourism
Health &
Wellness
Retirement /
Rehabilitation Homes
Other Business
Assess Eligibility

Recreational Membership Schemes

Investors pay for membership that grants them access to specific facilities, services, or experiences, without ownership rights.

Golf Club
Resorts
Fitness /
Wellness Centre
Marina Clubs
Other Business
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Hybrid Schemes

A combination of schemes where investors receive both financial returns and non-financial benefits (e.g., usage rights, memberships) from a business or project.

Agriculture
Technology
Retail
Retirement /
Rehabilitation Homes
Other Business
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Memorial Park

Purchase of the rights of use of burial plots or columbarium spaces. It is mandatory for all memorial park operators in Malaysia to register their scheme before offering such products to the public.

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Use Case

Education Scheme

Education Industry Leverages Interest Scheme for Future-Ready Learning
WI Investment Hybrid Interest Scheme – Raising RM10 million to develop innovative, industry-aligned courses that enhance graduate competitiveness. This initiative meets the growing demand for lifelong learning while offering investors both financial and non-financial returns, creating lasting impact through sustainable, future-ready education.

Issuer FAQ: Raise Capital with MyKapital

Find answers to common issuer questions on onboarding, campaigns, and investor engagement. Our team supports you at every step of your fundraising journey

What is the procedure for my business to raise funds through an interest scheme?

To raise funds through an interest scheme, you are required to follow these steps:
1. Submit the necessary documentation to Companies Commission of Malaysia (Suruhanjaya Syarikat Malaysia, SSM) to obtain approval for your business's fundraising scheme.
2. Create an Issuer Account on the MyKapital platform to begin raising funds.

Can issuers concurrently raise funds through other alternative financing methods such as ECF or P2P?

Yes, issuers are permitted to raise funds simultaneously through different methods. However, such information must be disclosed to the Companies Commission of Malaysia (Suruhanjaya Syarikat Malaysia, SSM) during the application stage.

When will the issuer receive the funds invested by investors in the scheme?

The funds invested by the investors will be held by the platform's trustee during the ten (10) business days cooling-off period. Upon the conclusion of the cooling-off period, the funds will be transferred to the Issuer's scheme trustee.

What is the duration allowed for an issuer to raise funds?

The duration for an issuer to raise funds depends on the approved duration specified in the scheme's terms and conditions.

What are MyKapital's charges?

There are three types of fees when fundraising on the MyKapital platform:
1. Onboarding Fee: Charged for onboarding your scheme profile and subscribing to the schemes.
2. Service Fee: Charged upon each successful fundraising transaction.
3. Annual Maintenance: Payable starting from the second year and onwards.

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More FAQ