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p2p@alixco.com
SME Financing

Get Financed with Alixco — fast, clear, compliant

SMEs like it as an alternative to bank loans.

Alternative financing

Attractive and fast debt financing alternative to banks. 50k RM - 1 million RM per month.

Low interest rates

Competitive interest rates of 0.8 - 1.35% per month (nominal) and low cost of capital.

Fast disbursement

New funding can be started inside of hours and funds are usually disbursed within 1-7 days.

Minimum financing requirements

Lower financing requirements than banks allowing you to faster access funds.

Fixed repayment schedule

Know exactly how much to repay and at which dates. Add certainty to your financing. Tenure between 1-24 months.

Flexible restructuring

Possibility for invoice financing and factoring facilities. Entrepreneurship financing.

Find Your Fit

Which financing fits you?

Answer one question about your situation and jump straight to the right deep-dive.

?“My cash is stuck in unpaid invoices.”

30-, 60- or 90-day payment terms are strangling your liquidity.

Invoice financing?“I need liquidity for payroll, stock or a new contract.”

General-purpose funds, not tied to a single invoice or asset.

Working-capital financing?“My bank said no.”

A rejection is a template mismatch — not a verdict on your business.

What to do after a bank rejection?“I want the government to co-invest.”

MyCIF adds public money at a concessionary rate — no separate application.

How MyCIF works
The Problem

The SME Financing Gap in Malaysia

Slow financing processes, heavy paperwork and significant collateral demands shut promising SMEs out of the traditional funding system — despite their potential.

Banks & VCs miss SMEs

  • Banks are conservative
  • VCs back only high-growth tech
  • Most SMEs fall in between

Only ~10–15% get funding

  • 1M+ SMEs underserved
  • Large unmet demand

~70% of SME failures

  • Linked to lack of funding
  • Not business quality
Malaysia creates 3,000–5,000 SMEs yearly — most fail early due to funding gaps.
Our Offering

Types of Financing Solutions We Offer

Comprehensive funding options for every business need.

P2P — Peer-to-peer Financing

Short-term funding from individual or institutional investors.

Working capital financing →

ECF — Equity Crowdfunding

Raise capital from a large network of investors.

VCs & Strategic Equity Investors

Growth capital and strategic partnerships for scaling.

Invoice Financing

Unlock cash tied up in outstanding invoices.

Invoice financing →

Angel Investments, HNWIs

Access capital from high-net-worth individuals.

Entrepreneur Financing

Flexible funding tailored for entrepreneurs and SMEs.

At a Glance

The numbers, in one strip

Financing amount
RM 50,000 – 3,000,000
Tenure
1 – 24 months
Speed to funding
About 7 working days
Interest rate
0.83% – 1.33% / month
Application fee
RM 50 – 200
Hosting fee
~4% (2–6%), success-based

SC-regulated P2P financing by FBM Crowdtech Sdn Bhd (Alixco). Eligible issuers may qualify for MyCIF government co-investment. Figures are indicative; actual terms are set per campaign. Capital at risk applies to investors.

How It Works

How to Get Funded

1

Apply

Submit your funding request online — it takes about 10 minutes.

2

Review

Alixco structures the deal and runs a thorough risk assessment.

3

Funded

Investors fund your campaign and capital is disbursed — often within 7 working days.

Before You Apply

What You Need to Apply (P2P)

Last 3 months’ bank statements
Audited accounts (if available)
Management accounts: P&L and balance sheet
Creditors and debtors aging
Company registration documents
Rental agreements
Credit-report consent (issuer + guarantors)
Director/guarantor financial, credit & video check
Completed business Q&A form
15–30 min video interview (if applicable)
All directors present · minimum 2 personal guarantors
Why we ask: due diligence protects investors, speeds up approval and builds trust.
Pricing

Transparent Fees (P2P)

Application feeRM 50 – 200
Success-based hosting feeApprox. 4% of the funding amountBetween 2% – 6% of the funding amount
Interest rate0.83% – 1.33% per monthBetween 10% – 16% p.a.
Stamp duty0% (exemption) for MSMEs0.5% for non-MSMEs & large companies
Transparent, fair and aligned with your success — no hidden fees.

Government co-investment (MyCIF)

Eligible applicants may qualify for the Malaysia Co-Investment Fund (MyCIF) — government co-investment that can increase your funded amount and lower your overall cost of funding.

How MyCIF works →

Create your account & request financing

Join now and apply for financing with Malaysia's SC‑regulated P2P platform.

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