Welcome to microLEAP. Would you like to Raise Funds or Become An Investor?
NT-1911-00001

NT-1911-00001

c
MR5

NS Construction Works, Engineering & Construction

RM 10,000 for 36 month term. RM 1,660 funded

16% Funded

Who is the Issuer and what does the business do?

My business based in Seremban 2, my industry is renovation .My customers are business men or customers introduced by word of mouth. I sell my products or services mostly in Seremban area. General construction. I have one branch.

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

I have three staff . They have around 9 years of experience and we are focused on renovations. My family is also in the same field.

What are their future plans?

I want to increase the technology capabilities of the company technology and I want to expand my business.

What has been their annual sales turnover?

My yearly revenue has ranged between RM350,000 – RM450,000 in the past 3 years

Number of years in business?

7 years

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

The funds raised will be invested into more machinery.

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

The Issuer has an MR5 (Medium Risk 5) rating and so it has a medium credit quality and medium risk of default. The Issuer has manageable loans and sufficient cash flow to cover it.

Invest Now
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.
.

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.