1. Introduction
Flexifund Capital is a financial consultation and matching platform that connects users with licensed financial service providers in Malaysia.
We aim to provide a clear, responsible, and compliant process so you can make informed financial decisions.
2. Application & Matching Process
- Submit Your Inquiry: Complete our secure online form with your contact and basic financial information.
- Review & Matching: Your submission is reviewed and matched with suitable licensed financial service providers.
- Lender Contact: A licensed provider may contact you via phone or WhatsApp to explain available options.
- Offer Presentation: You will receive full details including loan amount, repayment period, APR, and all applicable fees.
- Decision & Disbursement: If you agree, the licensed provider will finalize approval and disburse funds directly to you.
3. Licensed Financial Provider
All financial services are provided by licensed entities in Malaysia. Our associated lender:
- Company Name: BUSINESS TOP CAPITAL SDN. BHD.
- SSM Registration No.: 200001016954 (519561-V)
- KPKT License No.: WL4729/10/01-11/081026
- License Validity: 09/10/2024 – 08/10/2026
All approvals, terms, and disbursements are handled solely by the licensed provider.
4. Eligibility Criteria
- Malaysian citizen or resident
- Minimum age requirement (e.g. 18 or 21 years old)
- Stable source of income
- Valid identification and supporting documents
Final approval is subject to the lender’s assessment.
5. Loan Terms & Transparency
- Loan amount approved
- Repayment period (2 months – 120 months, minimum 61 days)
- Interest rate and Annual Percentage Rate (APR)
- Total repayment amount
- Applicable fees (processing, late payment, early settlement if any)
Always review and understand all terms before accepting a loan.
6. Representative Loan Example
- Loan Amount: RM10,000
- Repayment Period: 24 months
- Estimated APR: 12% per annum
- Monthly Instalment: Approximately RM470
- Total Repayment: Approximately RM11,280
Actual terms may vary depending on the licensed provider and individual profile.
7. Risks & Responsible Borrowing
- Late or missed payments may incur additional charges
- Outstanding debt may affect your financial standing
- Longer repayment periods increase total repayment cost
Only borrow what you can afford to repay.
8. Data Usage & Privacy
By submitting your information on this website:
- Your personal data will be collected and used to process your inquiry
- You may be contacted via phone, WhatsApp, or other communication channels
- Your information may be shared with licensed financial service providers
All data is handled in accordance with our Privacy Policy.
9. Regulatory Compliance
- We do not provide loans directly
- We do not make lending decisions
- We only connect users with licensed financial service providers in Malaysia
All associated providers are expected to comply with Malaysian regulations, including licensing under KPKT.
10. Our Commitment
- Providing a transparent and responsible loan matching experience
- Ensuring clear and accurate information is presented
- Working only with licensed and compliant financial service providers
