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NT-2004-00001

NT-2004-00001

i
LR2

BYCO Marketing, Trading

RM 30,000 for 36 month term. RM 28,771 funded 8 Days Left

95 % Funded

Is this an Islamic or Conventional Investment Note?

This is a Shariah-compliant, Islamic Investment Note ________________________________________________________________________________________ Ini adalah Nota Pelaburan Islamik yang patuh Syariah

Who is the Issuer and what does the business do?

Byco Marketing is based in Kuala Lumpur, we are a wholesale or distributor who supply health & beauty, personal care, food etc to pharmacies and middle high end supermarkerts. We carry a variety of brands including our house brand. Our customers include Healthlane Pharmacy, AA Pharmacy, Village Grocers, Jaya Grocer, Hero Hypermarket etc. We also sell online via our website (http://bycomarketing.com.my) and this is open to retail customers. ________________________________________________________________________________________ Byco Marketing beroperasi di Kuala Lumpur, dan kami adalah pemborong atau pengedar yang membekalkan produk kesihatan & kecantikan, penjagaan diri, makanan dan lain-lain ke farmasi dan pasar raya terkemuka. Kami membekalkan pelbagai jenama termasuk jenama kami sendiri. Pelanggan kami termasuklah Healthlane Pharmacy, AA Pharmacy, Village Grocers, Jaya Grocer, Hero Hypermarket dan lain-lain. Penjualan juga dilakukan atas talian melalui laman sesawang kami (http://bycomarketing.com.my) dan ianya terbuka kepada pelanggan runcit.

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

The business is run by the founder and director of the company plus two staff. We have been established for about seven years. The founder has been planning his business for a few years and gained some experience, contacts and network before he started up Byco. ________________________________________________________________________________________ Perniagaan ini dijalankan oleh pengasas dan pengarah syarikat berserta dua orang kakitangan. Perniagaan ini telah beroperasi lebih kurang tujuh tahun. Sebelum penubuhan BYCO, perancangan telah dilakukan oleh pengasasnya selama beberapa tahun setelah memperoleh beberapa pengalaman, kenalan, dan rangkaian .

What are their future plans?

We are expanding our market by proposing or listing our products to more independent and chain pharmacies, Chinese medical halls and supermarkets, as well as to get online agent and wholesaler from other states to distribute our products in order to widen our network. ________________________________________________________________________________________ Kami akan mengembangkan pasaran kami dengan mengetengahkan atau menyenaraikan produk kami ke farmasi yang bergerak sendiri dan rantaian farmasi, kedai perubatan Cina dan pasar raya. Bagi melebarkan lagi sayap kami di negeri lain, ejen dan pemborong akan dilantik untuk mengedarkan produk-produk kami.

What has been their annual sales turnover?

Revenue RM300k to RM400k per year and RM8k to RM11k gross profit per month ________________________________________________________________________________________ Pendapatan yang diperolehi sebanyak RM300k hingga RM400k setahun dan untung kasar ialah RM8k hingga RM11k sebulan.

Number of years in business?

about 7 years. ________________________________________________________________________________________ Kami lebih 7 tahun didalam industri ini.

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

Funds raised will be used to buy more saleable stock to supply to our existing and new customers. We have yet to promote our house brand in order to create more awareness and sales. ________________________________________________________________________________________ Dana yang dikumpulkan akan digunakan untuk membeli stok dan dibekalkan kepada pelanggan sedia ada dan baru kami. Kami masih belum mempromosikan jenama kami sendiri untuk mewujudkan lebih banyak kesedaran dan penjualan.

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

The Issuer has a third party guarantor on this financing and the Investment Note has an LR2 (Low Risk 2) rating. The Issuer has a steady cash-flow from its sales and the business itself does not have any borrowings. The Issuer has sufficient monthly profit to cover this financing amount. Though the Investment Note pays a low-Profit Rate, it does have a low Risk of Default. We are comfortable in the Issuer’s ability to honour its monthly payments. ________________________________________________________________________________________ Penerbit mempunyai penjamin pihak ketiga atas pembiayaan ini dan Nota Pelaburan mempunyai penilaian LR2 (Risiko Rendah 2). Penerbit mempunyai aliran tunai yang stabil dari penjualannya dan perniagaan itu sendiri tidak mempunyai pinjaman. Penerbit mempunyai keuntungan bulanan yang mencukupi untuk menampung jumlah pembiayaan ini. Meskipun Nota Pelaburan membayar dengan keuntungan yang rendah, ia mempunyai Risiko keingkaran yang rendah. Kami yakin dengan kemampuan Penerbit untuk membuat pembayaran bulanannya.
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Rate of Returns
10% p.a
Total Gross Return on Investment
-


Terms & Conditions Apply

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.

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