NT-2112-00007

LR3

SME - AM FOOD & BEVERAGE SDN BHD, Food & Beverage,

RM 500,000 for 36 month term. RM 500,000 funded

100 % Funded

Is this a Shariah-compliant Investment Note? / Adakah ianya Nota Pelaburan patuh Syariah?

Yes

Who is the Issuer and what does the business do?

Currently 1st outlet in Kuantan, looking to expand to Kuala Lumpur in 2022, food and Beverage restaurant specialising in Western food.

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

I have been in the industry since 2002, from managing outlets to the Hilton Kuala Lumpur, opened my 1st restaurant I'm 2009 and currently own 3 restaurants

What are their future plans?

Expand and create new brands in Malaysia

What has been their annual sales turnover?

For this company we opening in 2020, and did a turnover of over 1.8m rm and also tackle Covid 19 lockdowns.

Number of years in business?

1 year

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

More Staffin and equipment

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

N/A

Credit Ratings

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.

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.