Alixco provides SC-regulated P2P working-capital financing of RM 50,000–3,000,000 that Malaysian SMEs can put towards any operating purpose — payroll, rent, stock, a new contract or a seasonal gap. The assessment looks at your business as a whole, repayment follows a fixed 1–24 month schedule out of operating cash flow, and no property collateral is required.
Every growing business knows the pattern: you win the work, pay for staff, stock and rent up front — and only get paid weeks or months later. Working-capital financing bridges exactly that gap.
Staff, materials and rent must be paid before you deliver.
Payroll, suppliers and stock consume cash while the work is in progress.
RM 50,000–3,000,000 lands in your account — general-purpose, not tied to one invoice.
Fixed monthly instalments out of operating cash flow — dates and amounts known in advance.
Cover payroll, rent and suppliers through the low season — without cutting the team you need for the high season.
Buy inventory before peak season or pay suppliers early for better terms — and sell at full margin.
Hire staff and buy materials for a newly won project before the customer’s first payment arrives.
Any legitimate operating purpose. Issuers typically use it to cover payroll and rent, buy inventory ahead of peak season, pay suppliers, bridge a seasonal dip or mobilise a newly won contract. The funds are not tied to a specific invoice or asset — that is the key difference to invoice financing.
On the overall business rather than a single receivable. Alixco’s credit team reviews your turnover, last 3 months’ bank statements, audited or management accounts (P&L and balance sheet), creditors and debtors aging and the credit reports of the company and its guarantors. The review typically takes 5 to 10 business days, and campaigns are usually fully funded in under 24 hours after they go live — about 7 working days end to end.
Alixco arranges P2P working-capital financing of RM 50,000 to RM 3,000,000 per campaign, with repayment tenures of 1 to 24 months. The exact amount depends on your turnover, financials and the credit assessment.
No fixed asset or property collateral is required, and the facility is not anchored to any specific receivable. It is secured mainly through personal guarantees (minimum two guarantors), thorough credit due diligence and your company’s overall cash flow rather than pledged assets.
Working-capital financing is general-purpose: it is assessed on your overall financials, can fund any operating need and is repaid on a fixed schedule out of operating cash flow. Invoice financing is raised against specific unpaid invoices, so your customer’s creditworthiness is part of the assessment and the facility can revolve as new invoices are issued. If your cash is locked up in receivables, invoice financing may fit better; for every other liquidity need, working capital is the more flexible route.
There is a one-off application fee of RM 50 to 200 and a success-based hosting fee of about 4% (range 2% to 6%) charged only on successful funding. The nominal interest rate is 0.83% to 1.33% per month (about 10% to 16% per annum). MSMEs currently benefit from a stamp-duty exemption, and eligible issuers may qualify for MyCIF government co-investment that lowers the overall cost of funding.
Create your account and submit a funding request with Malaysia’s SC‑regulated P2P platform.