Returns are between 6%-22%, averaging 13% per year.
Invest in our debentures and receive monthly interest payments that are higher than deposit interest rates. This is suitable for those who want a steady supplementary income.
careful screening in the credit analysis process
We carefully screen borrowers, examine financial statements, evaluate management's conduct, and conduct site visits to ensure the legitimacy and quality of their business operations.
Trustender has been approved to operate by the SEC.
We are approved by and comply with SEC regulations and requirements, and our operations and practices meet international standards.
Average return of 13% across 42 funds in 2025
Investment Application Steps
1) Register to become a member
The membership application process is simple; you can sign up using just your phone number or email.
2) Verify identity
The system will authenticate with an OTP and then require NDID authentication according to SEC regulations.
3) Subscribe to debentures and make payment
Select the debentures you are interested in based on your understanding, considering the return and redemption period, then proceed to pay for your subscription.
4) Receive interest and principal back
Once you have invested, you will receive interest and principal repayments according to the payment schedule specified in the prospectus.
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FAQs
Frequently Asked Questions for Investors
What are the factors for evaluating crowdfunding debentures?
Repayment Capacity
- Industry and business type
- Company financial statements
- Details of operational plan and target customers
- Financial ratios
- Credit score from a reliable assessment company
- Years in operation
- Credit Bureau report of the company and directors
Repayment capacity based on National Credit Bureau Co., Ltd.
- Current credit limit
- Remaining credit limit
- Company's past repayment history
- History of defaults
What are the steps for considering debentures?
The steps used in the Creditworthiness system consideration process are as follows:
- Registration - Apply for membership via the website trustender.co
- Verification - Verify the applicant's history before becoming a member.
- Analysis - Analyze the business, with the verified information based on the entrepreneur's disclosure.
- Fundraising - The entrepreneur offers debentures for sale through the platform, along with a prospectus analyzed by Trustender.
- Payment - The entrepreneur repays the principal and interest as agreed in the investment agreement.
What should be done if the debentures default?
- Investors should check their debenture certificates to confirm whether they hold debentures that have defaulted on payment, and review the terms and conditions to understand their rights.
- If the debenture has a debenture holder representative, the representative will be responsible for arranging a meeting of debenture holders and informing the debenture issuer of the resolution passed at the meeting. Investors can find the name of the debenture holder representative in the prospectus (Factsheet) or the terms and conditions.
- If the debenture does not have a debenture holder representative, Funding Portal will be responsible for arranging a meeting of debenture holders and preparing the meeting resolution to inform investors and the debenture issuer.
- Proceed according to the meeting resolution and/or pursue legal action to enforce debt repayment.
- Order of debt repayment if the debenture issuer is declared bankrupt or the company is liquidated.