As Seen On
Gain access to a wide range of curated investment opportunities, invest in income yield position and diversify your portfolio.
Access to curated deals
Browse individual investment candidates
Undertake instantaneous preliminary review
Perform due diligence and start investing
Boost your funding opportunities, access an increasing investors' pool and maximise your company's growth with the right investors.
Set the offer
Obtain market visibility among the investment community
Meet the right investors
Secure investment
How Does It Work
Register your details on the platform
Once approved by Unkapt, enter your project and funding requirements.
Unkapt will review and once satisfied will make it visible for investors.
Investors will make assessment and reach out to you for further information.
You may engage with more than one investor.
Get funded by the investor and the offer that suits your needs.
What We Cover
Renewable Energy
Opportunities for funding in the renewable energy sector are significant and increasing, with the potential to support sustainable energy solutions and drive positive environmental impact.
Health Tech
Health Tech is a dynamic and rapidly evolving sector that combines cutting-edge technology with healthcare innovation to drive better patient outcomes. Investing in Health Tech is essential for a healthier future.
Agriculture is a critical sector for ensuring food security and sustainability and offers diverse investment opportunities across the value chain. Investing in agriculture can drive positive social and environmental impact.
AgTech is a rapidly growing and innovative sector that leverages technology to address global food security and sustainability challenges. Investing in AgTech offers potential for significant impact and financial returns, while transforming the agriculture industry.
Information and Communication Technology is a dynamic and ever-expanding sector that drives digital transformation across all industries, offering diverse investment opportunities for those seeking high-growth potential and technological innovation.
Infrastructure investments offer stable, long-term returns while providing essential services to communities worldwide. From transportation to utilities, investing in infrastructure supports economic growth and social development.
Impact investing combines financial returns with social and environmental impact, addressing global challenges while generating positive change. Investing in impact offers a unique opportunity to create lasting value and drive positive social and environmental outcomes.
Financial Institutions
Investing in financial institutions provides opportunities to support financial inclusion and promote economic growth, while generating attractive returns. This sector is critical to a thriving global economy and offers diverse investment opportunities.
Research and Development (R&D) drives innovation and breakthroughs across industries, unlocking new technologies and solutions to global challenges. Investing in R&D fuels progress and generates long-term economic and social benefits.
MedTech is a critical and rapidly advancing sector that leverages technology to improve healthcare outcomes and patient experiences. Investing in MedTech offers opportunities for significant impact and growth potential in a dynamic and essential industry.
BioTech is a transformative and fast-growing sector that harnesses the power of biology to address global challenges across industries, from healthcare to agriculture. Investing in BioTech presents opportunities for significant impact and growth potential in a rapidly evolving industry.
PharmaTech is a critical and constantly evolving sector that leverages technology and innovation to drive advancements in healthcare and pharmaceuticals. Investing in PharmaTech offers opportunities for impactful and socially responsible investments. with potential for strong financial returns in a dynamic industry.
About Unkapt
Unkapt is an alternative lending, cross-border capital raising platform offering APAC small and lower middle market issuers (SMEs) the opportunity to use innovative financing to raise capital among a network of accredited investors. It offers investee firms the opportunity to use, among other things, non-dilutive financing instruments for their capital issuance.
Funding instruments include:
Corporate Bonds
The program enables SMEs to offer unrated fixed or floating debt securities to investors in the unlisted corporate bond market. The program provides a new avenue for SMEs to raise funds and allows investors to diversify their portfolios with potentially attractive investment opportunities.
Revenue Entitlement NotesTM
Issuers can capitalise on their future revenue (and associated cash flow) to raise capital and service the funding off that top line. Revenue Entitlement NotesTM mitigate issues related to, inter-alia, valuation gap and investment exit, and provide investment returns certainty to investors.
Demand Dividend
Demand dividend, a medium-term debt financing instrument, is akin to Revenue Entitlement NotesTM save for the repayment is made from free cash flow rather than top line revenue.
Long-term Debt

Long-term debt can be structured in different ways, including amortization and bullet payment schedules.

Syndication allows multiple lenders to participate in funding, reducing risk for any single lender.

Term A/B loans combine fixed-rate and floating-rate components to provide more flexibility for borrowers. These options enable businesses to secure long-term financing with customized terms and payment structures.

Convertible Notes
Convertible notes are a type of debt instrument that allows investors to convert the debt into equity at a later date. This can provide an attractive option for investors seeking potential equity upside while providing companies with a lower cost of capital than traditional equity financing. Convertible notes also offer greater flexibility than traditional debt instruments by allowing companies to delay setting a valuation until a later funding round.
Asset-backed Securities
Financial institutions and microfinance institutions can borrow against their loan assets by issuing asset-backed securities (ABS). These securities are backed by pools of loans, such as microloans or consumer loans, and allow these institutions to access capital markets funding. ABS can provide a cheaper source of funding than other sources of financing, such as deposits or interbank loans. However, it is important to note that the credit quality of the underlying loans and the structure of the ABS transaction can impact the risk and return characteristics of the securities.
Frequently Asked Questions

Unkapt is an alternative lending marketplace, which provides businesses with an opportunity to raise capital from 'accredited' Investors by using non-equity instruments, and concurrently provides 'accredited' Investors with the opportunity to have access to a wider range of investment opportunities and increase their deal pipelines.

Unkapt may be considered to form part of the broader crowdfunding family. However, Unkapt differs from typical crowdfunding marketplaces in that: 1) it does not target the public at large; and 2) it is not opened to retail investors. Unkapt can be categorised as an institutional lending marketplace.

Unkapt has positioned its marketplace for small to lower middle market enterprises. Given the type of financing instruments that can be offered on Unkapt, businesses should generally have been operating for several years and will have enough cash flow to service the financing instruments. However, Unkapt is also open to considering project financing project or other ‘brown field’ projects where there is revenue certainty in the foreseeable future.

Unkapt provides businesses with access to a range of 'accredited' Investors and an avenue to make private placement, which is not necessarily available to small to lower middle market enterprises. In addition, Unkapt allows Investees to use innovative non-equity and non-dilutive finance instruments to structure their capital raising to cater for their requirements.

Unkapt is sector agnostic and is available to traditional and non-traditional businesses. Unkapt is also putting its emphasis on thematic investments such as cleantech, health tech, ICT and impact investing.

Investors who can participate on Unkapt are investors who are not mandatorily required to be provided with an offer disclosure document (for instance prospectus or product disclosure statement). Classification of these investors differ from jurisdiction to jurisdiction but these investors are generally referred to as sophisticated, accredited, professional, wholesale and/or institutional investors. For Unkapt purposes, these investors will be collectively referred to as 'accredited' Investors. This includes high net worth individuals, banks and private debt funds.

Unkapt is NOT available to the general public at large.

The main risks for ‘accredited’ Investors include: 1) partial or complete loss of investment funds; and 2) illiquidity, which may not provide ‘accredited’ Investors with an impromptu exit. It is highly recommended that ‘accredited’ Investors carry all necessary due diligence and seek independent advice before proceeding with an investment.

Unkapt positions itself as an alternative lending platform and therefore Investees can use debt or hybrid financing instruments to raise capital (i.e. financing instrument other than pure equity instrument) as long as these financing instruments are legally/regulatory compliant in the issuing jurisdiction as well as in any otherjurisdiction(s) where the Offer is being made. The onus is on the Investees to adhere with the relevant provisions of the securities laws and regulations as applicable and any other relevant laws.

Unkapt is looking at trialling corporate bonds, revenue entitlement notes™ and demand dividend financing instruments on its platform but it is open to other innovative financing mechanism.

Unkapt does not provide legal and tax advice nor does Unkapt provide any guarantee to Investees and Investors that the Offers made on Unkapt are legally/regulatory compliant. Investees should seek their own independent legal and tax advice and Unkapt may require Investees to produce such advice before an Offer is made to Investors. Investors should undertake their own due diligence, including legal due diligence on the financing instrument.

Unkapt takes the approach that the Investee will propose its own terms when it opens an Offer on Unkapt; however, terms are generally subject to negotiation between the Investee and the Investor(s) and these terms may subsequently differ. It is up to both parties to reach an agreement on the investment terms if they want to proceed and close the deal.

Unkapt is a cross border lending marketplace in that it is looking at targeting Investees and Investors regionally. Initially, Unkapt will concentrate on servicing the APAC market, predominantly the ASEAN region and subsequently Australia and New Zealand. However, this is subject to any restriction that may be imposed on offer of securities, platform regulation and/or financial services licensing.

Subject to Unkapt discretion, the minimum capital raising is USD 1 million. There is no ceiling capital raising amount although the expectation is for the small to lower middle market enterprises to participate on Unkapt.

An Application Fee is required for Investees to publish an Offer on Unkapt. The Application Fee is to cover our time, including liaising with you and reviewing the Offer and submitted materials, to ensure the Offer is compliant with Unkapt standards before the Offer is finalised and open to Investors.

If an Investee is successful in raising funding, the Investee must pay a Completion Fee. The Completion Fee varies depending on the amount raised.

Goods and services tax or any other similar taxes may be applicable to the above Application Fee and Completion Fee and will be payable in addition to these Fees.

Investees can refer to the Fee Particulars on the Resources page, which can be accessed once the Investees have become Registered Users and prior to completing their full Offer application.

Our fee model is only sell-side driven and therefore 'accredited' Investors are not charged any fees for using Unkapt. In addition, ‘accredited’ Investors should note that we do not offer financial advice (including investment recommendation) and therefore there is no investment fee or trailing commission charged.

Have a question?
Have a question that is not on the FAQs above? Need to get in touch with us about your specific requirements? We would like to hear from you. If you are an SME looking to raise capital, or want to take a position as a non-equity investor in the small to lower middle market business segment, or want to partner with Unkapt in another capacity, get in touch with us today.

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Risk Warning
Investing in small to lower middle market businesses is highly speculative and carries high risks (including illiquidity and loss of investment). Unkapt is targeted exclusively at financially sophisticated investors that understand these risks. Investment decision should not be made solely on the information provided on Unkapt and before investing in any business about which information is given, prospective investors are strongly advised to seek detailed information and take appropriate professional advice.