Investor

Anyone aged 18 and above with no legal restrictions in their country may invest through Alixco.

We welcome:

• Retail investors

• High-net-worth individuals

• Institutional investors

• Corporations & businesses

All you need is a verified Alixco account and a personal or business bank account to get started.

It’s simple, fast, and secure:

1. Browse verified campaigns by Malaysian SMEs

2. Choose the ones that fit your goals

3. Invest (starting from just RM200) via bank transfer

4. Earn monthly returns, repaid directly to your Alixco wallet

All repayments and capital go through our trustee account at Maybank, ensuring maximum transparency and investor safety.

Once you commit to invest in a campaign, you’ll receive an automated email with payment instructions. You can then transfer the investment amount from your own bank account. We do not accept third-party transfers or cash deposits.

The minimum investment starts at RM200 per campaign giving you the flexibility to diversify even with a small portfolio.

Transparency is our priority. For every investment opportunity, you’ll receive:

• A detailed company factsheet

• Purpose of fundraising

• Creditworthiness and internal risk score

• Business model and key financials

• Personal guarantor info (where applicable)

You know exactly who you’re investing in.

All investor funds are held in a dedicated trust account with Maybank Trustee Berhad, a leading bank in Malaysia. Alixco never touches your money directly.

We charge a small fee only on repayments between 0.35% to 2%, depending on campaign structure and tenure.

No upfront fees
No fee if there’s no repayment
Investors keep 98–99.65% of their total repayments 

We have a 3-step late payment process:

1. Reminder & grace period notice

2. Late fee penalties charged to issuer

3. Legal action against directors & guarantors

Investors will be informed throughout. Legal recovery is initiated promptly if delays continue.

Default risk exists with all investments. But at Alixco:

• We cover legal fees for enforcement

• We pursue court action and recovery

• Approx. Over 50% of default cases result in recoveries

Note: Alixco investments are not guaranteed and not covered by the Capital Market Compensation Fund.

Investments made through the Alixco platform are not covered by the Capital Market Compensation Fund. This means any losses incurred cannot be claimed from the Fund.

Not necessarily. High returns often come with higher risk.
We strongly recommend:

• Diversifying across multiple campaigns

• Spreading your investments by tenure and sector

• Considering your own financial goals and risk appetite

Smart diversification = better risk management.

This is called risk-based pricing. Our internal proprietary risk scoring model gives a score for each issuer based on financials, quantitative as well as qualitative data. The risk score should be commensurate with the amount of risk investors are taking. This is designed to compensate investors appropriately for the risk they are taking.

Interest rates reflect:

• The SME’s risk score (credit & business profile)

• Financial health

• Tenure & funding size

Usually, the following applies:

Higher interest rate = higher return potential but also higher risk

Lower interest rate = lower return potential but also slightly lower risk  

As many as you like!
Retail investors are encouraged to stay within a recommended maximum exposure of RM 50,000 across the platform.

No. Like all investment platforms, Alixco acts solely as a market intermediary, not as a guarantor. This approach:

• Keeps costs low

• Increases return potential

• Encourages transparent risk-reward alignment

There is no coverage from the Capital Market Compensation Fund, and no guarantees on capital or interest.

Investments made through the Alixco platform are not covered by the Capital Market Compensation Fund. This means any losses incurred cannot be claimed from the Fund.

We run a robust 3-step vetting process:

1. Financial & operational review

2. Credit checks and risk scoring (internal + Experian, CTOS)

3. Background & fraud checks (on directors & business)

Only issuers who meet our minimum risk and due diligence standards are listed.

Yes. Your investment income is subject to personal income tax in Malaysia.
We recommend consulting your tax advisor on how to report these earnings.

Your money is securely placed in a Trust account with a major Malaysian bank. Alixco has a living will in place for this scenario so that you will get back your money.

In the unlikely event that Alixco ceases operations due to insolvency or other circumstances, a Business Continuity Plan will be activated to ensure investors' interests are protected.

Under a "Living Will" agreement, Alixco has appointed Crowd Tech Nominee Sdn Bhd as the Inheriting Partner to take over all outstanding investment obligations. This means:

The Inheriting Partner will continue managing investment notes, collection services, and recoveries on behalf of investors.
Late payments and outstanding amounts will still be collected and redistributed until all obligations are fulfilled.
Investors' funds and repayments remain safeguarded under the nominee structure.
This ensures that in the event of Alixco's closure, all live investment notes will continue to be administered efficiently, with recovery processes carried out as needed.

No, Alixco is not a financial advisor. P2P investments may or may not be suitable for your particular situation. Please consult with your personal financial advisor about the suitability of P2P investments with regard to your own personal (financial) situation, investment goals and level of risk tolerance before making any investment.