About the Service
What is Saham2U?
Saham2u is a financial service platform that allows clients to pledge their shares as collateral to receive fast cash financing. The platform is powered by Sentosa Jaya Capital Sdn Bhd 200601036604 (756363-M), a licensed financial services company approved by the Ministry Housing and Local Government (KPKT).
Is this a financing facility?
Yes, it's a secured facility where your shares are used as collateral.
Who can apply?
Anyone who owns listed shares on Bursa Malaysia (or other accepted exchanges) and meets our basic eligibility criteria.
What shares are accepted?
We currently accept listed shares (Shariah Compliant) from selected companies on Bursa Malaysia. Other exchanges may be considered in the future.
Do you check credit history?
Saham2U performs a basic eligibility check to ensure the applicant is not declared bankrupt. Credit history is not a determining factor in the approval process.
How It Works
How do I apply?
Just sign up on our platform, submit your shareholding details, and go through a simple approval process. Once approved, your financing will be disbursed.
Do I need to sell my shares?
No, you retain ownership of your shares. They are only pledged as collateral.
How much cash can I get?
The amount you can receive depends on the current market value of your share portfolio. Typically, you may get up to 50% of the capped value of your portfolio. This means your eligible amount is calculated based on a certain capped price set by the provider, not the full market value.
How long does it take to receive cash?
In most cases, funds are disbursed within 2-3 working days after approval.
What happens to my shares during the loan?
Your shares are temporarily held as collateral.
Can I top up or extend my loan?
Yes, you may apply for a top-up or extension based on your updated portfolio value and repayment record subject to approval.
Rates & Repayment
What are the profit rates?
Our rates are competitive and transparent, starting from as low as 1.5% per month.
How do I make repayments?
You can repay via bank transfers using SenangPay payment Gateway system on our website platform.
What happens if I miss a repayment?
Late payments may incur penalties, and Saham2u reserves the right to liquidate pledged shares if the loan remains unpaid.
Can I repay early?
Yes, and there are no penalties for paying early.
Safety & Legality
Is Saham2U regulated?
We work in compliance with Malaysian financial regulations and follow strict security standards to protect your data and investments.
Is my shareholding information safe?
Yes, your information is fully secure. We use advanced encryption protocols and strictly comply with the Personal Data Protection Act (PDPA). For added security, all digital signatures are managed through MSC Trustgate — a licensed Certificate Authority under the Digital Signature Act 1997 — ensuring your data and identity are protected at the highest standard.
General
Is Saham2U available 24/7?
The platform is online 24/7, but customer support is available during business hours (9am–5pm, Mon–Fri).
Can I cancel my application?
Yes, you may cancel your application before final confirmation and disbursement.
What happens if my shares drop in value?
If your portfolio drops significantly, we may request a top-up or partial repayment to maintain financial coverage. In the event of a margin call or force selling situation, the client has 3 options to regularize the ratio:
1. Top-up their shares
2. Make a partial payment to reduce their outstanding
3. Sell the shares
How can I contact support?
For assistance, you may contact us via live chat on our official Facebook page, email us at
sjcapital@sentosajayacapital.com.my, or call our customer support hotline at +6011-1634 7992.