Medium Risk 7
This Investment Note pays an upper-medium Interest Rate and has an upper-medium Risk of Default.
It has a lower-medium Credit Quality due to average to low cashflow and average to high Debt Service Ratio.
OSBGR, Food / Beverage,
RM 200,000 for 24 month term. RM 200,000 funded
Is this a Shariah-compliant Investment Note? / Adakah ianya Nota Pelaburan patuh Syariah?
Yes/Ya
Who is the Issuer and what does the business do? / Siapakah Penerbit dan apakah perniagaan yang dijalankan?
OSBGR is a leading Malaysian street food company, founded in 2019 by a husband-and-wife team in Johor Bahru, Johor. What began as a humble street burger stall in Skudai has rapidly grown into a prominent franchise, now boasting over 200 outlets across Peninsular Malaysia. OSBGR is renowned for its signature burgers, featuring a special black sauce, mayonnaise, and juicy square patties, all served with fresh vegetables—a flavour combination that has become synonymous with the Malaysian street food experience.
OSBGR’s mission extends beyond serving great food. The company is committed to elevating the street food industry and empowering local entrepreneurs. Through a comprehensive licensing program, OSBGR provides business partners with extensive support, including hands-on training, standardised equipment, and effective marketing strategies to ensure competitiveness in today’s dynamic food industry. In addition, OSBGR supplies all partners with high-quality food products and enforces a standardised operating procedure across all outlets to maintain consistency and quality.
In 2023, OSBGR reached a major milestone by opening its first full-service restaurant, OSBGR Premium, in Gelang Patah, Johor further cementing its reputation as a pioneer in the Malaysian street food scene. As of 2024, OSBGR has recorded impressive sales revenue of RM9.59 million, reflecting robust growth and strong market demand.
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OSBGR ialah sebuah syarikat makanan jalanan terkemuka di Malaysia, yang diasaskan pada tahun 2019 oleh pasangan suami isteri di Johor Bahru, Johor. Bermula sebagai sebuah gerai burger jalanan yang sederhana di Skudai, OSBGR telah berkembang pesat menjadi francais yang terkenal, dengan lebih daripada 200 cawangan di seluruh Semenanjung Malaysia. OSBGR dikenali dengan burger tandatangannya yang menampilkan sos hitam istimewa, mayonis, dan daging berbentuk segi empat yang berjus, disajikan bersama sayur-sayuran segar—gabungan rasa yang kini sinonim dengan pengalaman makanan jalanan di Malaysia.
Misi OSBGR bukan sekadar menyajikan makanan yang enak. Syarikat ini komited untuk mengangkat industri makanan jalanan serta memperkasakan usahawan tempatan. Melalui program pelesenan yang menyeluruh, OSBGR menawarkan sokongan penuh kepada rakan niaga, termasuk latihan praktikal, peralatan yang piawai, serta strategi pemasaran yang berkesan bagi memastikan daya saing dalam industri makanan yang sentiasa berubah. Selain itu, OSBGR membekalkan produk makanan berkualiti tinggi kepada semua rakan niaga dan menguatkuasakan prosedur operasi standard di semua cawangan bagi mengekalkan konsistensi dan kualiti.
Pada tahun 2023, OSBGR mencapai satu pencapaian penting dengan pembukaan restoran perkhidmatan penuhnya yang pertama, OSBGR Premium, di Gelang Patah, Johor—sekali gus mengukuhkan lagi reputasinya sebagai pelopor dalam dunia makanan jalanan Malaysia. Sehingga tahun 2024, OSBGR telah mencatatkan hasil jualan yang memberangsangkan sebanyak RM9.59 juta, mencerminkan pertumbuhan yang kukuh dan permintaan pasaran yang tinggi.
Who is the owner / key person(s) in the business? / Siapakah pemilik / individu penting dalam perniagaan?
OSBGR was established in 2019 in Johor by a dynamic husband-and-wife duo. The husband serves as the Managing Director, bringing over a decade of industry experience to expertly oversee the company’s daily operations. Meanwhile, his wife, a former banker, leverages her extensive expertise in business finance and cash flow management to ensure robust and transparent financial planning. Together, their complementary skills form a solid foundation for sustainable growth, positioning OSBGR for continued success in the decade ahead.
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OSBGR telah ditubuhkan pada tahun 2019 di Johor oleh pasangan suami isteri yang dinamik. Suami bertindak sebagai Pengarah Urusan, membawa lebih sedekad pengalaman dalam industri bagi menguruskan operasi harian syarikat dengan cekap. Sementara itu, isterinya yang merupakan bekas pegawai bank, memanfaatkan kepakaran luas dalam kewangan perniagaan dan pengurusan aliran tunai untuk memastikan perancangan kewangan yang kukuh dan telus. Gabungan kepakaran mereka mewujudkan asas yang kukuh untuk pertumbuhan mampan, sekali gus meletakkan OSBGR pada landasan kejayaan yang berterusan dalam dekad akan datang.
What are their future plans? / Apakah rancangan masa depan mereka?
OSBGR aims to surpass RM15 million in sales revenue by 2025. To realise this ambitious goal, the company is actively pursuing strategic collaborations and acquiring business licenses to expand its market share across Malaysia. While OSBGR’s current presence is primarily concentrated in Johor, the company has set its sights on expanding into the Central and Northern regions within the next three years. With a growing number of outlets and a broader geographic footprint, OSBGR is confident in its ability to achieve and potentially exceed its revenue target.
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OSBGR menyasarkan untuk melepasi RM15 juta dalam hasil jualan menjelang tahun 2025. Bagi merealisasikan matlamat yang bercita-cita tinggi ini, syarikat sedang giat menjalinkan kerjasama strategik dan memperoleh lesen perniagaan bagi mengembangkan pegangan pasaran di seluruh Malaysia. Pada masa ini, kehadiran OSBGR tertumpu terutamanya di Johor, namun syarikat telah menetapkan hala tuju untuk berkembang ke wilayah Tengah dan Utara dalam tempoh tiga tahun akan datang. Dengan peningkatan bilangan cawangan dan liputan geografi yang lebih meluas, OSBGR yakin terhadap keupayaannya untuk mencapai dan berkemungkinan melebihi sasaran jualan tersebut.
What has been their annual sales turnover? / Berapakah jumlah perolehan jualan tahunan mereka?
The total annual sales for YTD March 2025 amounted to RM8,619,838
The total annual sales for 2024 amounted to RM9,590,207
The total annual sales for 2023 amounted to RM8,894,022
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Jumlah jualan tahunan untuk tahun sehingga Mac 2025 (YTD) berjumlah RM8,619,838
Jumlah jualan tahunan untuk tahun 2024 adalah RM9,590,207
Jumlah jualan tahunan untuk tahun 2023 adalah RM8,894,022
Number of years in business? / Berapa lamakah perniagaan ini telah beroperasi?
6 years
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6 tahun
How would the Issuer utilise the funds raised on the platform? / Bagaimanakah Penerbit akan menggunakan dana yang diperoleh di platform?
To support its ambitious expansion plans, OSBGR is seeking funding to invest in a larger warehouse and enhanced production facilities. The requested funds will be allocated for warehouse renovation, upgrading production facilities, and additional marketing activities—crucial steps in scaling operations and reinforcing OSBGR’s position as a leader in Malaysia’s vibrant street food industry.
This financing will empower OSBGR to meet growing demand, streamline production, and expand its market reach. With a proven business model and strong market positioning, OSBGR is confident that this funding will generate substantial returns and contribute to Malaysia’s vibrant street food ecosystem.
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Bagi menyokong pelan pengembangan yang bercita-cita tinggi, OSBGR sedang mencari pembiayaan untuk melabur dalam gudang yang lebih besar dan kemudahan pengeluaran yang dipertingkatkan. Dana yang dimohon akan digunakan untuk pengubahsuaian gudang, menaik taraf kemudahan pengeluaran, dan aktiviti pemasaran tambahan—langkah-langkah penting untuk mengembangkan operasi dan mengukuhkan kedudukan OSBGR sebagai peneraju dalam industri makanan jalanan yang dinamik di Malaysia.
Pembiayaan ini akan memberi kuasa kepada OSBGR untuk memenuhi permintaan yang semakin meningkat, mempermudahkan pengeluaran, dan memperluaskan jangkauan pasaran. Dengan model perniagaan yang terbukti dan kedudukan pasaran yang kukuh, OSBGR yakin bahawa pembiayaan ini akan menghasilkan pulangan yang signifikan dan menyumbang kepada ekosistem makanan jalanan yang dinamik di Malaysia.
The rationale behind the Issuer's Credit Risk Score - microLEAP's Comments
Please download the Factsheet in this Investment Note for more information.
This is the first Investment Note hosted by the Issuer.
The Issuer has sufficient revenue to manage its payment to microLEAP and both the Issuer and Guarantors have shown a good payment track record with other lenders. We have Standing Instructions (SI) in place to ensure prompt payment of the profit and principal into our Trust account.
As rated by Experian, the Issuer's Company i-score is rated as 9 (Strong) with a Probability of Default (PD) of >1%-1.5%. The Guarantor is rated as 6 (Fair) with a Probability of Default (PD) of >5%-10% and the 2nd Guarantor is rated as 5 (Fair) with PD of >10%-20%.
This Investment Note has an MR7 (Medium Risk 7) rating and so it has a Lower Medium Credit Quality and an Upper Medium Risk of Default.
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Sila muat naik Lembaran Fakta yang dilampirkan dalam Nota Pelaburan ini untuk maklumat lanjut.
Ini merupakan Nota Pelaburan yang pertama oleh Penerbit.
Penerbit mempunyai hasil yang mencukupi untuk mengurus pembayarannya kepada microLEAP dan kedua-dua Penerbit dan Penjamin telah menunjukkan rekod prestasi pembayaran yang baik dengan pemberi pinjaman yang lain. Kami mempunyai Arahan Tetap (SI) untuk memastikan pembayaran segera keuntungan dan prinsipal ke dalam akaun Amanah kami.
Seperti yang dinilai oleh Experian, i-skor Syarikat Pengeluar dinilai sebagai 9 (Kuat) dengan Kebarangkalian Lalai (PD) >1%-1.5%. Penjamin dinilai sebagai 6 (Sederhana) dengan Kebarangkalian Lalai (PD) >5%-10% dan Penjamin Kedua dinilai sebagai 5 (Sederhana) dengan PD >10%-20%.
Nota Pelaburan ini mempunyai penarafan MR7 (Risiko Sederhana 7) dan oleh itu ia mempunyai Kualiti Kredit Sederhana Rendah dan Risiko Sederhana Atas Kelalaian.
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