# Simpler.Capital: The software is free. Financing is planned. > Page: https://simpler.capital/ (landing page) > Simpler makes free software for micro and small businesses in Southeast Asia. The financing it plans is not open today. Today, Simpler.Host, the app for a Windows computer, drafts your WhatsApp and email replies. It connects to Simpler.Asia, which keeps your invoices, expenses, customers and stock online. Later, Simpler plans to lend, starting with companies in Singapore. It would tell you before it reads your Simpler.Asia records to decide on an offer, and you could say no. That part is not open today. Links: Start with Simpler.Host (https://simpler.host) This page is published by Simpler Terminal Value Systems Pte. Ltd., registered in Singapore, UEN 202550777E. ## Where your records go If Simpler lends one day, these are the records it would read. This is where they sit. AI now writes a convincing invoice, bank statement or company profile for almost nothing, so paperwork alone proves less every year. Simpler would count only what someone else confirms: an invoice the customer confirmed, a deal both sides completed, money lent and paid back, a payment that settled. - **On your computer: Simpler.Host.** Simpler.Host keeps your records on your computer. It sends Simpler.Asia only what a job needs, after you say yes. [Stays with you] [Nothing leaves by itself] - **Online: Simpler.Asia.** Simpler.Asia uses your records to do your paperwork and to match verified businesses with each other. The lender, a separate Simpler company, would get your records only if you take an offer. [Kept online] [Never sold] - **Outside your agreement: An investor.** Later, investors could put money into Simpler’s lending. They would never see your records or decide anything about you. [Money for lending comes in] [Not part of your deal] ### Two planned agreements **You and Simpler.** - You to Simpler: Your records, read unless you say no - Simpler to you: Financing, if it opens and Simpler offers it **Simpler and an investor.** - An investor to Simpler: Money to lend - Never your records ## In plain words **What this is.** The planned money side of Simpler. Matching is built, but no one has been introduced yet. **What it is not, today.** Not a bank. Not a lender yet. Not open. There is nothing to apply for, no rate to quote and nothing to sign up for here. **What to do today.** Start with Simpler.Host. It connects to Simpler.Asia for you. ## What Simpler plans None of this is open today, and no date is promised. - **Payment held** (not open). Simpler plans to have a buyer’s money held until you both say the goods arrived, then paid to you. At first a licensed payment company would hold it. - **Money for an invoice** (not open). Simpler plans to pay you early for some invoices your customer has confirmed. Your customer would then pay Simpler, and you would get the rest, less the cost. If your customer never pays, you would not pay back what Simpler paid you, or any cost. - **Money for stock** (not open). Simpler would lend your shop money for stock. Before you agree, you would see what you would owe if the stock does not sell. - **Deal guarantee** (not open). On the matches Simpler is most sure of, if the other business does not do its part and you did yours, Simpler would pay you what you paid or were owed, up to a limit. It would be free, and only between verified businesses. A deal Simpler lends on would have no guarantee. **The rules for every plan.** **Before any of this opens.** Nothing would open anywhere until the law there allows it and Simpler holds any licence it needs. Money would move only after matching passes a test without money, against a limit Simpler would publish here first. **Who could use it.** At first, only companies, such as a Pte. Ltd., could borrow, not a sole owner or a partnership. Not every company would get an offer. **What Simpler would publish.** Once anything opens, Simpler would publish here what each plan costs, how often financing was repaid on time, what the guarantee paid out, and how each number was counted. ## Why the software is free Simpler plans to earn from what you would pay for financing, and from a fee on payments held for a deal. Never from selling the apps or your records, or from ads. It would earn when you borrow, so it has a reason to want you to borrow. On the same deal, Simpler could introduce the other business, have the payment held, and lend to you or give the guarantee. What stays your choice: you would see the full cost and every fee before you agree, and no new cost or fee would come after you sign, you would know who holds the money and which Simpler company lends before you agree, you can switch matching off in Simpler.Asia, under Profile, and names are shared only when both sides say yes. ## Made by the same people Every app below is free. Only Simpler.Asia takes top-ups, for AI work like reading receipts, at the AI provider’s own price with nothing added by Simpler. - **Simpler.Host** (https://simpler.host): the all-in-one business OS. On your Windows computer. Free. The app itself sends Simpler nothing; records reach Simpler.Asia only when your AI uses a Simpler.Asia tool. - **Simpler.Asia** (https://simpler.asia): the paperwork that runs the shop, done by your AI. On the web. The one place that keeps the business records: invoices, expenses, customers, stock and forecasts. It never messages your customers. Any AI can use it, and some steps wait for your approval. - **Simpler.Run** (https://simpler.run): check the rent and footfall before you sign the lease. In your browser. Singapore, corner by corner. - **Simpler.House** (https://simpler.house): drop a floor plan, get the schedule before anyone quotes you. In your browser. For anyone with a floor plan. The schedule follows how renovation is done in Singapore. - **Simpler.Tax** (https://simpler.tax): your company’s bookkeeping and tax, in one place. On your Windows computer, for Singapore businesses. Sends nothing to Simpler. Prepares the forms, never files them. - **Simpler.Red** (https://simpler.red): take the names out before you paste into an AI. On your Windows computer. Open source. Nothing leaves the machine. - **Simpler.Legal** (https://simpler.legal): swap the names in a legal document for tags, check them, then hand it to any AI. On your Windows computer. Open source. No account, and no Simpler server in the way. The same list, with the file each site publishes for agents: https://simpler.capital/family.json **Start with Simpler.Host.** It drafts your WhatsApp and email replies on your Windows computer, and connects to Simpler.Asia for you. Get Simpler.Host: https://simpler.host ## For AI agents Simpler.Capital is a page, with nothing to call. Here: https://simpler.capital/llms.txt (for language models) · https://simpler.capital/index.md (this page as markdown) · https://simpler.capital/family.json (every live Simpler site) Simpler.Asia: https://simpler.asia/llms.txt · https://simpler.asia/agents.json · https://simpler.asia/openapi.json Send Accept: text/markdown to any page here for its markdown twin. Simpler Terminal Value Systems Pte. Ltd. · Singapore · UEN 202550777E · support@simpler.asia This page asks no one to invest. Simpler.Asia privacy: https://simpler.asia/privacy · Simpler.Asia terms: https://simpler.asia/terms This page changes when a plan or a fact on it changes. Last changed 25 September 2026.