Capital Raising

Capital C Corporation

Sinagapore based Digital Lender

I am interested

Sinagapore based Digital Lender

I am interested









Investment Highlights Company Overview Products & Services Transaction Overview Team News

Transaction Summary

Capital C Corporation

  • Raising SGD$6M

  • Pre IPO Opportunity

I am interested

Investment Highlights

  • Empowering Growth

  • Driving Financial Inclusion

  • Enchancing Lives of Underserved

  • Operational Efficiency

Company Overview

  • Individual Lending

    Micro cash loan for individual (blue collar, white collar worker, gig workers)

  • Business Loans (Capitall)

    Business loan for SME

  • Auto Financing (Capitall Auto)

    Auto finance for individual, Vehicle dealers looking for vehicles financing

  • Buy Now Pay Later (ChopNow)

    Allows individuals to buy products now and pay in installments. Approximately 1m underserved individuals


Products & Services

Capital C Corporation “(Cap C)” capitalises on fintech and the best emerging technologies in the market to provide financial services to the under-served in Singapore.

Through its subsidiaries, Capital C provides holistic financial solutions to individuals and businesses. These services include individual loans, business loans, auto financing and Buy Now Pay Later.

By investing in promising businesses and sourcing for potential partners, Capital C also continually sources for opportunities to serve both its investors and customers.

Capital C products have an APR of up to 108%, averaging at around 77% for unsecured products and 15% for secured products.

Capital C has been widely recognised for its achievements



Through its digital lending platform, Capital C seeks to provide its users with:

  • The convenience of applying loan from the comforts of home;
  • 24/7 availability of access to various lending functions;
  • Paperless processes;
  • Automated Payments options;
  • Alternative online payments solutions for online shopping;
  • Enhanced transparency; and
  • Financial inclusiveness, by extending lending services

South East Asia is home to over 670 million people, of which an estimated 73% of the population is “underbanked”

There is a significant gap in the traditional banking penetration in the region, leaving at least 438 million individuals without any access to bank accounts, credit or debit cards, or access to lines of credit.

With the groundwork it has laid out Capital C is primed to bridge this gap and be spurred on to achieve exponential growth through market capture via its respective multiple product offerings

Using a set proprietary credit scoring rules and algorithms, the Group developed a credit scoring model which is able to accurately gauge the credit worthiness of the underbanked population and provide them with financing solutions.

The precision of these models are positively enhanced over time with the use of AI-powered tools, as more borrowing and repayment data iterates and optimises results.


Celebrating Capital C Corporation’s 11th year milestone anniversary

Transaction Overview


Investment Type Equity Capital Raise

Target Issuance Size SGD$6M to close by 30 November 2023, further rounds will be advised later on.

Valuation SGD$85M (S&P Global)

Investment Exit Listing on Nasdaq by 2024 with an estimated valuation of SGD$250M, on track to be SGD$1.2B by 2027. This will translate into a potential annualised yield of 66% by 2027.

Capital C has been experiencing and will continue to be on a run rate for Revenue growth at 73% CAGR with an annual NPAT target of 10% of Total Revenue.

The equity capital raised will be used to accelerate Capital C’s rapid growth expansion, technology and product development, talent acquisition and to acquire and onboard new merchants


  • Management
  • Jeames Cheow

    Chief Executive Officer and Co-founder

  • Jjohn Cheow

    Chief Investment Officer and Co-founder

  • Thomas Kong Kar Wai

    Senior Business Advisor and Non-Executive Director

  • Leow Tze Wen


  • Annie Tan

    Chief of Staff

  • Jenny Chian

    Head of Secured Lending

  • Tan Tze Ping

    Financial Controller

  • Timothy Ong

    Senior VP (Corporate Finance & Legal Counsel)

  • Rexmond Lim

    AVP Corporate Development



  • June 2022

    Capital C Scores $54M in Fresh Funding
    Read more
  • November 2020

    yahoo! finance
    Read more

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