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Raise Funds

microLEAP aims to cover the gap left by many traditional banks by allowing Issuers to raise funds by issuing Investment Notes that our P2P (Peer-to-Peer) Investors may invest into.

Our target market are small businesses that are credit worthy but find it difficult to borrow small sums of money. By allowing our micro-enterprises to raise funds from as little as RM1,000 to a maximum of RM50,000, we cater to the microfinance sector and any other businesses that require small funding amounts.

microLEAP allows Issuers access to an alternative source of funds – the Peer-to-Peer (P2P) Lending market. In fact, we allow P2P Investors to bypass banks and microfinance institutions and give P2P Investors the ability to directly invest in micro-enterprises.

As long as you own a Malaysian business and you pass our compliance and credit checks, we are open to all.

microLEAP Investment Notes


Issuers are small businesses that require debt funding from as little as RM1,000 to RM50,000. Issuers would issue an Investment Note that specifies the tenor, amount, interest rate and other important details, such as type of business and amount requested.

FAST

Approval Process


You would need to apply via microLEAP’s website on your PC, laptop or mobile phone. Relevant information will need to be keyed-in to the relevant fields. This will assist us in completing our Know Your Customer (KYC) enquiries. We then need to carry out the required checks to derive a Credit Risk Rating. This will ensure that our P2P Investors recognise the risks associated with each Issuer.

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Raise Your Funds


Once the Credit Risk Rating is complete, Issuers are placed in the Funding List. P2P Investors may then choose an Issuer in the Funding List and invest directly in them up to the amount requested, within a specified period. Should a minimum of 80% of funding be reached at the end of the period, Issuers may drawdown their funds to their bank account and use it for their working capital needs. microLEAP’s fees are deducted before the funds are disbursed to the Issuer.

EASY

Monthly Repayments


Issuers will be required to arrange the repayments of principal and interest on a monthly basis to microLEAP’s Trust Account. Issuers may set-up ‘Direct-Debit’ to ensure repayments are not missed.

Issuers can repay their funds early for free and only pay interest for the time they have the funds.