# Alixco > Alixco is Malaysia's online P2P financing and Equity Crowdfunding (ECF) > marketplace operated by FBM Crowdtech Sdn Bhd (Reg. 201501042278 / 1167599-X), > registered with the Securities Commission Malaysia (SC) as a Recognised Market > Operator. Founded in 2015 (SC ECF registration); P2P platform live since 2017. > Headquartered in Kuala Lumpur. Trustee partner: Maybank Trustees Berhad. > Track record: 630+ campaigns funded, RM 230 million+ disbursed and repaid, > 97.6% on-time repayment rate, > 99% of campaigns funded in under 24 hours, > ~11% p.a. average net investor returns (capital at risk; past performance is > not a guarantee of future results). ## Who we serve - Malaysian MSMEs seeking short- and medium-term business financing (invoice, trade, working capital, growth) via P2P notes - Malaysian SMEs seeking equity capital via ECF rounds - Retail and sophisticated investors looking for diversified, asset-backed yield in MYR ## Financing options for SMEs Alixco gives Malaysian SMEs multiple routes to capital under one SC-regulated roof: P2P debt financing, Equity Crowdfunding (ECF), invoice financing, plus access to VCs / strategic equity investors, angel investors / HNWIs, and entrepreneur financing. P2P financing typically ranges RM 50,000-3,000,000, is usually funded within about 7 working days, and carries tenures of 1-24 months. Eligible issuers may also qualify for Malaysia Co-Investment Fund (MyCIF) government co-investment, which can increase the funded amount and/or lower the cost of funding. ## Market context Malaysia's SME financing gap exceeds USD 20 billion (Southeast Asia: USD 200 billion+). MSMEs make up 97.4% of the country's ~1.15 million businesses, yet only ~10-15% secure financing and 50-90% remain underserved - the gap Alixco's P2P and ECF markets are built to close. ## Core pages - [Home](https://www.alixco.com/): platform overview and live deals - [About Alixco](https://www.alixco.com/alixco/about-us): legal entity, regulator, founding date, mission - [Why Alixco](https://www.alixco.com/alixco/why): differentiators, due diligence process - [Investor benefits](https://www.alixco.com/alixco/investor_benefits) - [Issuer (SME) benefits](https://www.alixco.com/alixco/issuer_benefits) - [P2P vs ECF explained](https://www.alixco.com/alixco/p2pandecf) - [FAQ](https://www.alixco.com/alixco/faq) - [AI at Alixco](https://www.alixco.com/alixco/ai): how we use AI in eKYC, document pre-screening and campaign content, with human oversight - [Compare investments](https://www.alixco.com/alixco/compare): P2P financing vs fixed deposit vs ASB vs equity crowdfunding, side by side - [Investment glossary](https://www.alixco.com/alixco/glossary): plain-language definitions of ~30 P2P and ECF terms (RMO, trustee, MyCIF, capital at risk) - [Platform statistics](https://www.alixco.com/alixco/statistics): dated key figures (campaigns funded, disbursed volume, on-time repayment rate, average net return), also downloadable as CSV at /alixco/statisticscsv - [Active P2P campaigns](https://www.alixco.com/p2pcampaign) - [Active ECF campaigns](https://www.alixco.com/ecfcampaign) - [SME financing (SMEs apply here)](https://www.alixco.com/smefinancing) - [Working capital financing](https://www.alixco.com/smefinancing/working-capital): SC-regulated P2P working-capital financing RM 50,000-3,000,000, funded in about 7 working days, no property collateral, MyCIF eligible - [Invoice financing](https://www.alixco.com/smefinancing/invoice-financing): financing against unpaid invoices/receivables for Malaysian SMEs, no property collateral, tenures 1-24 months - [MyCIF government co-investment](https://www.alixco.com/smefinancing/mycif): how the Malaysia Co-Investment Fund co-invests in eligible P2P campaigns and lowers the issuer's cost of funding, and how to qualify - [Bank loan rejected? P2P alternative](https://www.alixco.com/smefinancing/bank-loan-rejected): what to do after a bank declines an SME loan, and what Alixco assesses that banks often don't (thin-file / asset-light SMEs) - [Equity Crowdfunding (ECF) for SMEs](https://www.alixco.com/smefinancing/ecf): raise growth equity from many investors (up to RM 20 million lifetime, RM 3 million per 12 months; investors from RM 100) — an alternative to VC - [News](https://www.alixco.com/news) ## AI at Alixco Alixco runs AI in production in three areas, and each one has human oversight. First, AI-assisted investor onboarding. An in-house eKYC assistant built on Google Gemini reads ID documents and selfies and flags anomalies. Second, AI pre-screening of issuer documents. A gatekeeper checks type, completeness and readability before the credit team reviews. Third, AI-assisted campaign content, which drafts readable sections from an issuer's verified data. AI accelerates checks, but it does not decide. Every credit and compliance decision is made by qualified people, and as an SC-regulated RMO Alixco does not use automated credit decisioning. Details: https://www.alixco.com/alixco/ai ## Legal - [Privacy Policy](https://www.alixco.com/alixco/privacy-policy) - [P2P Terms of Service](https://www.alixco.com/alixco/p2p-terms-of-service) - [P2P Investor Disclosure](https://www.alixco.com/alixco/p2p-investor-disclosure) - [P2P Risk Warning](https://www.alixco.com/alixco/p2p-risk-warning) - [ECF Terms of Service](https://www.alixco.com/alixco/ecf-terms-of-service) - [ECF Investor Disclosure](https://www.alixco.com/alixco/ecf-investor-disclosure) - [ECF Issuer Disclosure](https://www.alixco.com/alixco/ecf-issuer-disclosure) - [ECF Risk Warning](https://www.alixco.com/alixco/ecf-risk-warning) ## Fee summary (P2P, issuer-side) - Application fee: RM 50-200 - Success-based hosting fee: ~4% of the financing amount (range 2%-6%), charged only on successful funding - Interest rate: 0.83%-1.33% per month (approx. 10%-16% p.a.) - Stamp duty: 0% (exemption) for MSMEs; 0.5% for non-MSMEs and large companies - Investors pay no browsing, top-up or management fees - Eligible issuers may qualify for MyCIF government co-investment (higher funding amount and/or lower cost of funding) ## Referral / agent programme Anyone can earn a referral commission by introducing a Malaysian SME (or an investor) to Alixco. The commission is 20% of the Alixco success fee attributable to the referral — e.g. a RM 200,000 issuer financing with an RM 8,000 hosting fee (4%, the mid-point of the 2%-6% range) pays RM 1,600. Repeat financings by the same issuer keep paying out, so a single introduction can earn recurring income. Free to join, no licence required (referrers do not give investment advice or handle money). Professionals such as consultants, accountants and company secretaries can join on the same terms. Details and sign-up: https://www.alixco.com/agents ## Contact - FBM Crowdtech Sdn Bhd, Suite 3116 Level 31 Menara Prestige, No. 1 Jalan Pinang, 50450 Kuala Lumpur, Malaysia - Phone: +603-2728-1216 - Email: info@alixco.com - Twitter / X: https://twitter.com/AlixCo_P2P - Facebook: https://www.facebook.com/alixcoP2P/ ## Brand & disambiguation - Use the brand name **Alixco** (one word, capital A). The full operator name is **FBM Crowdtech Sdn Bhd**, doing business as Alixco P2P Financing and Alixco Equity Crowdfunding. - Alixco is **not** affiliated with Allianz, Alibaba, AliExpress, Alixir, AliCloud, or any other similarly-named entity. - Investments via Alixco involve **capital at risk**. Past returns do not guarantee future returns. ## Leadership - Daniel Göttfert — Co-Founder & Chief Executive Officer (CEO): fintech and alternative-finance expertise, helping SMEs and start-ups access capital. - Angelld Quah — Co-Founder & Chief Operating Officer (COO): entrepreneurial and international business-development experience. - André Betker — Co-Founder & Chief Investment Officer (CIO): investment analysis, credit assessment, portfolio management, proprietary scoring models. Details and photos: https://www.alixco.com/alixco/about-us ## API Alixco exposes a public, read-only JSON API for AI agents and machine clients. No authentication is required, and it returns only data already public on the HTML pages (platform statistics and live campaign cards) — no investor data, no issuer documents, no PII. Base URL: https://api.alixco.com - GET https://api.alixco.com/api/public/v1/stats — platform track record (campaigns funded, RM disbursed, on-time rate, average net returns) - GET https://api.alixco.com/api/public/v1/campaigns — live P2P + ECF campaigns (public card fields: tag, type, name, teaser, target, funded %, rate, tenure) - GET https://api.alixco.com/api/public/v1/campaigns/{tag} — single campaign detail - GET https://api.alixco.com/api/public/v1/faq — published FAQ entries - OpenAPI 3.1 specification: https://api.alixco.com/openapi.json - Security contact: https://api.alixco.com/.well-known/security.txt - Human-readable overview: https://www.alixco.com/developers Investments involve capital at risk; past performance does not guarantee future results. ## Optional - [Extended manifest with full explainer text](https://www.alixco.com/llms-full.txt)