About Us

Investors benefits:

Potential High Returns: P2P lending can provide attractive returns compared to traditional investment options, such as savings accounts or bonds. (expected 8%-16% p.a.)
Support local SMEs and companies you know
P2P loans typically have shorter terms compared to traditional fixed-income investments, offering quicker access to returns.
Control and Flexibility: Investors have control over which loans to fund and can tailor their portfolios to align with their risk tolerance and investment goals.
Reputable and regulated SME Digital Fiancing Platform
Fintech allows you to provide financing to companies via the internet in the comfort of your home
Alixco does not handle the funds directly. The funds are deposited in a Trust account with a leading bank in Malaysia, which is managed by Maybank Trustee Berhad as the acting trustee partner. This ensures compliance with the regulatory framework and the safety of the funds.

Issuer benefits:

Access to Capital: Alixco P2P provides an alternative source of financing for SMEs that may have difficulty securing loans from traditional banks.
Speed and Convenience: The application process on Alixco P2P is often faster and more convenient, allowing SMEs to access funds more quickly when compared to traditional lending institutions.
Flexible Loan Terms: Alixco offers flexibility in setting loan terms, allowing SMEs to negotiate terms that suit their specific needs.
Online Exposure: Participating in P2P lending can provide SMEs with online exposure and marketing opportunities, helping to increase brand visibility and reach a wider audience.
Relationship Building: Establishing a positive track record on Alixco P2P platform can lead to stronger relationships with investors, potentially opening the door to future financing opportunities.
Reputable SME Digital Financing platform
Alixco is the only operator in Malaysia offering P2P Financing and Equity Crowdfunding for startups/SMEs.

Our Story: From Vision to Revolution

Alixco was born in 2015 with a bold vision—to radically transform how businesses raise capital and how individuals invest. Today, we are one of Malaysia’s top-performing digital financing platforms, fully regulated by the Securities Commission Malaysia as a Recognized Market Operator (RMO) for both Peer-to-Peer (P2P) Financing and Equity Crowdfunding (ECF).

Headquartered in Kuala Lumpur and operated by FBM Crowdtech Sdn Bhd (1167599-X), Alixco has already facilitated over RM 217 million in funding across 599 successful campaigns.

Whether you're a growing business seeking capital or an investor looking for high-yield, diversified alternatives Alixco is your gateway to the future of finance.

The company's main office is located in Kuala Lumpur and Alixco is fully owned and managed by FBM Crowdtech Sdn Bhd(1167599-X)

Our Vision: Building a Financially Inclusive Future

We envision a world where financial growth is inclusive, transparent, and digital-first. At Alixco, we empower Malaysian SMEs and investors alike by connecting them through cutting-edge, user-friendly fintech solutions that rival global best-in-class platforms.

Our goal is to create unmatched access to funding and investment opportunities by:

Offering seamless and secure P2P and ECF experiences
Using proprietary credit and risk algorithms with AI-enhanced assessments
Ensuring fast onboarding, rapid disbursement, and full transparency at every step
Facilitating investments starting as low as RM 200, and enabling fundraises of up to RM 20 million for high-growth businesses

We’re not just building a platform—we’re shaping the next generation of digital capital markets?.

Our commitment lies in establishing a transparent and secure platform that seamlessly connects borrowers and investors. By fostering trust and facilitating growth for both parties, we aim to lead the way in the P2P financing and ECF industry.

Our Footing: Trusted, Proven, and Regulated

Alixco is the only regulated platform in Malaysia that operates both ECF and P2P under a single umbrella. This dual capability allows us to serve the entire funding lifecycle from early-stage equity capital to short-term debt financing with unmatched speed, flexibility, and trust.

We operate under strict oversight from the Securities Commission Malaysia and partner with Maybank Trustee Berhad to ensure investor funds are securely handled without ever touching the platform. Every deal is supported by legally binding agreements, personal guarantees, and independent legal oversight?

What sets Alixco apart:

600+ funded P2P and ECF campaigns
11%+ p.a. net average investor returns
Low cumulative default rate since inception
Proprietary German-built fintech infrastructure
Extensive issuer vetting and real-time analytics dashboards
Full-scale governance, business continuity, and risk management systems in place

Fee Structure

Fees	Investor	Issuer
Due Diligence	N/A	RM 100.00 per company director
Hosting	N/A	2% to 6% of the total financing amount Depends i.a. on risk grade, tenure, financing amount in case of approval and success
Success-Based Repayment	0.5% -2% of total repayment	Imposed on investors Depends on tenure, 0.5% for a 3 months note and up to 2% for a 12 months note

Fees

Investor

Issuer

Due Diligence

N/A

RM 100.00 per company director

Hosting

N/A

2% to 6% of the total financing amount
Depends i.a. on risk grade, tenure, financing amount in case of approval and success

Success-Based Repayment

0.5% -2% of total repayment

Imposed on investors

Depends on tenure, 0.5% for a 3 months note and up to 2% for a 12 months note

If any payment gateways are added or will be added in the future - online and offline - all payment gateway fees will be charged to the investor