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p2p@alixco.com
MAKLUMAT
Our Products
Two Ways to Invest. One Goal.
Choose between P2P Financing (loan-based) and Equity Crowdfunding (ownership-based). Both SC-regulated, both fully digital.
Peer-to-Peer Financing
P2P Financing
You lend money to a verified SME. The business repays principal plus interest in monthly instalments. Fixed rate, clear end date.
8–12%Annual Interest
6–60moTenure
✓ Monthly principal + interest repayments
✓ Fixed interest rate
✓ From RM 200 per campaign
✓ Priority repayment status
✓ SC-regulated trust account
Equity Crowdfunding
ECF Financing
You acquire shares in a business. As the company grows, your stake increases in value. Potential for dividends and exit gains at IPO or trade sale.
EquityOwnership stake
ExitIPO / trade sale
✓ Equity ownership in the company
✓ Dividend potential
✓ Higher upside potential
✗ Illiquid (no secondary market)
✗ No fixed repayment date
Side by Side
P2P vs. ECF at a Glance
P2P Financing
Equity CF
Investment type
Loan (debt)
Shares (equity)
Return type
Fixed interest (8–12% p.a.)
Capital gain + dividends
Repayment date
Contractually fixed
Open (exit event)
Risk profile
Moderate
Higher
Best suited for
Regular income, predictable returns
Long-term growth potential
Minimum investment
RM 200 per campaign
Per campaign terms
Common Questions
P2P & ECF — FAQ
What happens if a business misses a repayment?
Alixco initiates a structured recovery process. Investor funds are held in a segregated trust account and are prioritised in the recovery. Please refer to our full risk disclosure for details.
Can I withdraw my investment early?
P2P investments are locked in until maturity. No secondary market currently exists. ECF equity stakes can only be realised at exit events such as a trade sale or IPO.
How much should I invest as a first-timer?
We recommend starting small (RM 200–2,000) across several campaigns to diversify. This helps you gain experience while limiting concentration risk.
Are interest earnings taxable in Malaysia?
P2P interest income may be subject to personal income tax. We recommend consulting a tax advisor. Your Alixco dashboard provides a full annual statement for tax reporting.
What is the difference between P2P and a bank loan?
Unlike bank loans, P2P financing on Alixco connects businesses directly with individual investors. The process is faster, requires no traditional collateral, and is fully digital — while remaining regulated by the Securities Commission Malaysia.