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NT-1905-00002

NT-1905-00002

c
LR2

Healthcare

RM 1,000 for 12 month term. RM 1,000 funded

100% Funded

Who is the Issuer and what does the business do?

Groups of clinics: offering community health care services, such as inpatient and outpatient services, immunisation programs as well as radiological services.
Apart from providing basic primary healthcare, the clinics also conduct medical screening programs.

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

Headed by a team of Medical Practitioners and Medical Professionals with over 40 years of relevant experience.

What are their future plans?

Expansion plans, as well as key industrial partnerships and services tie-ins, are well in place for the next five years.
Case example: Increase in panel healthcare services, as well as occupational health and safety consultancy services, that are currently available.

What has been their annual sales turnover?

Our annual sales turnover have been positive for the past three years. Average annual revenue growth has been 20% year-on-year, over the past 36 months.

Number of years in business?

Over forty years as of May 2019.

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

For short-term working capital injection.

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

Issuer has a LR2 (Low Risk 2) rating and so it has a stronger credit quality and lower risk of default. The Issuer has no outstanding loans and high cash flow, and so has a low (good) debt service ratio. We are very comfortable in the Issuer’s ability to honour its monthly payments.

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Rate of Returns
10% p.a
Total Gross Return on Investment
-

Funded Note

Credit Ratings
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.

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.