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NT-1905-00001

NT-1905-00001

c
MR5

NAI Associates, Consultancy

RM 40,000 for 36 month term. RM 2,200 funded

5% Funded

Who is the Issuer and what does the business do?

The Business is based in Klang Valley. We are in the consulting industry and our customers are mostly startups or SMEs who are currently expanding their operations. Our services have been designed to cater to all, which means that we provide consultation services for business development but we specialize in legal and compliance. as of now, we have been in different markets, such as tourism, import and export and insurance. When we first started the company we wanted to find a way to help SMEs with their governance and internal controls in order for them to commence with smooth operations and we realized that the legal and compliance aspect was an expensive function for most SMEs.

Who is the owner / key person(s) in the business?

The Key owner is the CEO. Behind the CEO, there are a number of partners, consultants and advisors. Our board of Advisors have a collective more than 100 years of experience in various industries such as Land, Legal, Insurance and Business Development. Our consulting team mostly consists of practicing lawyers and professionals with a legal background both in Malaysia and abroad. The CEO is a practicing Compliance Professional who has experience in building policies, frameworks and procedures for companies to be compliant and meet requirements of regulators.

What are their future plans?

In the future, we look to establish our own projects. We have a few ideas for our own ventures and will be partnering up with various SME’s to establish operations. We plan to join the global Fintech movement by developing new operations and start in Malaysia and SE Asia.

What has been their annual sales turnover?

Our annual sales turnover have been positive for the past 3 years. we started out slow in 2016, and climbed to over RM200,000 in 2017 and finished off around RM70,000 in 2018.

Number of years in business?

The Business has been running since 2016

How would the Issuer utilise the funds raised on the platform?

The funds raised would be utilized for various purposes such as to hire staff, development purposes. As the company is going through corporate restructuring, we look to hire staff in order to help us with our operations. Moving forward, we plan on establishing our own projects, and this means that some of the funds will be used to analyze how our operations will look like taking into account all current players and the ever growing Fintech movement in Malaysia.

The rationale behind the Issuer's Credit Risk Score - microLEAP's Comments

Issuer has a MR5 (Medium Risk 5) rating and so it has a medium credit quality and medium risk of default. However, the Issuer has no outstanding loans and has a very good debt service ratio. We are comfortable in the Issuer’s ability to honour its payments

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Rate of Returns
12% p.a
Total Gross Return on Investment
-


Terms & Conditions Apply

Credit Ratings
MR5
Medium Risk 5

This Investment Note pays a medium Interest Rate and has a medium Risk of Default.
It has a medium Credit Quality due to average cashflow and average Debt Service Ratio.

LR1
Low Risk 1

This Investment Note pays the lowest Interest Rate and has the lowest Risk of Default.
It has the strongest Credit Quality due to very high cashflow and very low Debt Service Ratio.

LR2
Low Risk 2

This Investment Note pays a lower Interest Rate and has a lower Risk of Default.
It has a stronger Credit Quality due to high cashflow and low Debt Service Ratio.

LR3
Low Risk 3

This Investment Note pays a low Interest Rate and has a low Risk of Default.
It has a strong Credit Quality due to good cashflow and good Debt Service Ratio.

MR4
Medium Risk 4

This Investment Note pays a medium-low Interest Rate and has a medium-low Risk of Default.
It has a medium-strong Credit Quality due to average to good cashflow and average to good Debt Service Ratio.
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MR5
Medium Risk 5

This Investment Note pays a medium Interest Rate and has a medium Risk of Default.
It has a medium Credit Quality due to average cashflow and average Debt Service Ratio.

MR6
Medium Risk 6

This Investment Note pays a medium-high Interest Rate and has a medium-high Risk of Default.
It has a medium-weak Credit Quality due to below average cashflow and above average Debt Service Ratio.

MR7
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.

HR8
High Risk 8

This Investment Note pays a high Interest Rate and has a high Risk of Default.
It has a weak Credit Quality due to low cashflow and high Debt Service Ratio.

HR9
High Risk 9

This Investment Note pays a higher Interest Rate and has a higher Risk of Default.
It has a weaker Credit Quality due to lower cashflow and higher Debt Service Ratio.

HR10
High Risk 10

This Investment Note pays the highest Interest Rate and has the highest Risk of Default.
It has the weakest Credit Quality due to very low cashflow and very unhealthy Debt Service Ratio.