NT-2510-00013

NT-2510-00013

i
MR4

RHSB, Food / Beverage,

RM 200,000 for 6 month term. RM 200,000 funded 29 Days Left

100 % Funded

Is this a Shariah-compliant Investment Note? / Adakah ianya Nota Pelaburan patuh Syariah?

Yes/Ya

Who is the Issuer and what does the business do? / Siapakah Penerbit dan apakah perniagaan yang dijalankan?

The issuer is a specialist in premium Japanese cuisine and Omakase dining, based in Kuala Lumpur. It serves an upper–middle to high-income clientele who appreciate authentic Japanese delicacies such as Wagyu beef, Sashimi, and premium seafood.

With three outlets located in Kuala Lumpur, Johor Bahru, and Petaling Jaya, the issuer has established a strong presence in the local dining scene, known for its exceptional quality, refined presentation, and personalised service.

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Penerbit merupakan pengusaha yang berpengalaman dalam penyediaan masakan Jepun premium dan hidangan Omakase, beroperasi di Kuala Lumpur. Perniagaan ini menumpukan kepada pelanggan berpendapatan pertengahan tinggi hingga tinggi yang menghargai keaslian dan kehalusan sajian Jepun seperti daging Wagyu, Sashimi serta pelbagai makanan laut berkualiti tinggi.

Dengan tiga cawangan yang beroperasi di Kuala Lumpur, Johor Bahru dan Petaling Jaya, penerbit telah menempatkan dirinya sebagai jenama yang kukuh dalam industri kulinari tempatan. Ia dikenali melalui komitmen terhadap kualiti yang cemerlang, penyediaan hidangan yang rapi, serta perkhidmatan pelanggan yang eksklusif dan profesional.

Who is the owner / key person(s) in the business? / Siapakah pemilik / individu penting dalam perniagaan?

The key director possesses over a decade of experience in the food and beverage industry and currently leads the business as its principal chef. With extensive expertise spanning culinary mastery, business management, marketing, procurement, and strategic development, the director plays a central role in shaping the company’s direction and success.

Under this leadership, the issuer has demonstrated significant growth, marked by consistent expansion and notable increases in annual revenue and profitability. The combination of strong operational management and refined culinary expertise continues to drive the business towards greater market presence and long-term sustainability.

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Pengarah utama mempunyai lebih daripada satu dekad pengalaman dalam industri makanan dan minuman serta kini menerajui perniagaan sebagai ketua chef. Dengan kepakaran luas merangkumi kemahiran kulinari, pengurusan perniagaan, pemasaran, perolehan dan pembangunan strategik, beliau memainkan peranan penting dalam menentukan hala tuju dan kejayaan syarikat.

Di bawah kepimpinan ini, penerbit telah menunjukkan pertumbuhan yang ketara, disokong oleh pengembangan berterusan serta peningkatan yang memberangsangkan dalam hasil tahunan dan keuntungan. Gabungan pengurusan operasi yang kukuh dan kepakaran kulinari yang tinggi terus mendorong perniagaan ke arah kehadiran pasaran yang lebih kukuh dan kelestarian jangka panjang.

What are their future plans? / Apakah rancangan masa depan mereka?

The objective is to expand operations by establishing additional outlets in strategic locations, thereby strengthening market presence and accessibility to a broader customer base. This expansion aims to enhance overall business performance through increased sales volume and diversified revenue streams.

By leveraging its strong brand positioning and reputation for quality, the issuer seeks to capitalise on growing demand within the premium dining segment, ensuring sustainable income growth and long-term profitability.
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Matlamat utama adalah untuk memperluas operasi perniagaan dengan membuka cawangan baharu di lokasi strategik, sekali gus mengukuhkan kehadiran pasaran dan memperluas capaian kepada pelanggan yang lebih luas. Langkah pengembangan ini bertujuan meningkatkan prestasi keseluruhan perniagaan melalui pertambahan hasil jualan dan kepelbagaian sumber pendapatan.

Dengan memanfaatkan kedudukan jenama yang kukuh serta reputasi terhadap kualiti, penerbit berhasrat untuk mengambil peluang daripada peningkatan permintaan dalam segmen sajian premium, seterusnya memastikan pertumbuhan pendapatan yang mampan dan keuntungan jangka panjang.

What has been their annual sales turnover? / Berapakah jumlah perolehan jualan tahunan mereka?

In year 2024, the company revenue is RM 2,592,848.00 million.
And for the year 2025 (YTD July), the company revenue is RM 11,105,892.04 million.
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Pada tahun 2024, hasil jualan syarikat adalah sekitar RM 2,592,848.00 juta.
Dan pada tahun 2025 (YTD Julai), hasil jualan syarikat adalah sekitar RM 11,105,892.04 juta.

Number of years in business? / Berapa lamakah perniagaan ini telah beroperasi?

The issuer was incorporated on 12 April 2023 and has since established itself as a growing player within the food and beverage sector. Despite being relatively new, the business has demonstrated strong operational capabilities and a clear strategic direction, positioning itself for sustainable growth and expansion in the years ahead.

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Penerbit telah diperbadankan pada 12 April 2023 dan sejak itu berkembang sebagai salah satu pemain yang semakin kukuh dalam sektor makanan dan minuman. Walaupun masih baharu, perniagaan ini telah menunjukkan keupayaan operasi yang mantap serta hala tuju strategik yang jelas, sekali gus meletakkannya pada landasan yang kukuh untuk pertumbuhan dan pengembangan yang berterusan pada masa hadapan.

How would the Issuer utilise the funds raised on the platform? / Bagaimanakah Penerbit akan menggunakan dana yang diperoleh di platform?

The purpose is to increase inventory levels to meet the rising demand resulting from growing sales. This will enable the issuer to maintain smooth operations, ensure consistent product availability, and support the overall expansion of the business in line with its increasing customer base.

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Tujuannya adalah untuk menambah jumlah stok bagi memenuhi permintaan yang semakin meningkat selaras dengan pertambahan jualan. Langkah ini akan membolehkan penerbit mengekalkan kelancaran operasi, memastikan ketersediaan produk yang berterusan, serta menyokong pengembangan perniagaan sejajar dengan pertumbuhan jumlah pelanggan.

The rationale behind the Issuer's Credit Risk Score - microLEAP's Comments

Please download the Fact sheet in this Investment Note for more information.

This is the first Investment Note hosted by the Issuer.

As rated by Experian, the Issuer i-score is rated as 10 (Good) with a Probability of Default (PD) <1% as rated by Experian. The 1st Personal Guarantor is rated 4 (Weak) with a PD of >20% - 50% and 2nd Personal Guarantor is rated with 8 (Good) with PD of >1.5% - 2.5%.

This Issuer has a Medium Risk of Default, has a strong Credit Quality due to its good cash flow. The Issuer currently has a healthy revenue that more than covers the monthly repayments. This Investment Note has an MR4 (Medium Risk 4) rating and so it has a medium-strong credit quality and medium-low risk of default.
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Sila muat turun Fact Sheet dalam Investment Note ini untuk maklumat lanjut.

Ini merupakan Nota Pelaburan pertama yang diterbitkan oleh Penerbit.

Seperti yang dinilai oleh Experian, skor i-Penerbit dinilai sebagai 10 (Baik) dengan Kebarangkalian Lalai (PD) kurang daripada 1%. Penjamin Peribadi Pertama dinilai sebagai 4 (Lemah) dengan PD melebihi 20% - 50%, manakala Penjamin Peribadi Kedua dinilai sebagai 8 (Baik) dengan PD melebihi 1.5% - 2.5%.

Penerbit dikategorikan mempunyai Risiko Kelalaian Sederhana, namun mempunyai Kualiti Kredit yang kukuh hasil daripada aliran tunai yang baik. Pada masa ini, Penerbit mencatatkan pendapatan yang sihat dan mencukupi untuk menampung bayaran bulanan dengan baik. Nota Pelaburan ini mempunyai penarafan MR4 (Risiko Sederhana 4) dan oleh itu ia mempunyai kualiti kredit sederhana-kuat dan risiko kemungkiran sederhana-rendah.

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Rate of Returns
14% p.a
Total Gross Return on Investment
-


Terms & Conditions Apply

Credit Ratings
MR4
Medium Risk 4

This Investment Note pays a medium-low Interest Rate and has a medium-low Risk of Default.
It has a medium-strong Credit Quality due to average to good cashflow and average to good Debt Service Ratio.
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LR1
Low Risk 1

This Investment Note pays the lowest Interest Rate and has the lowest Risk of Default.
It has the strongest Credit Quality due to very high cashflow and very low Debt Service Ratio.

LR2
Low Risk 2

This Investment Note pays a lower Interest Rate and has a lower Risk of Default.
It has a stronger Credit Quality due to high cashflow and low Debt Service Ratio.

LR3
Low Risk 3

This Investment Note pays a low Interest Rate and has a low Risk of Default.
It has a strong Credit Quality due to good cashflow and good Debt Service Ratio.

MR4
Medium Risk 4

This Investment Note pays a medium-low Interest Rate and has a medium-low Risk of Default.
It has a medium-strong Credit Quality due to average to good cashflow and average to good Debt Service Ratio.
.

MR5
Medium Risk 5

This Investment Note pays a medium Interest Rate and has a medium Risk of Default.
It has a medium Credit Quality due to average cashflow and average Debt Service Ratio.

MR6
Medium Risk 6

This Investment Note pays a medium-high Interest Rate and has a medium-high Risk of Default.
It has a medium-weak Credit Quality due to below average cashflow and above average Debt Service Ratio.

MR7
Medium Risk 7

This Investment Note pays an upper-medium Interest Rate and has an upper-medium Risk of Default.
It has a lower-medium Credit Quality due to average to low cashflow and average to high Debt Service Ratio.

HR8
High Risk 8

This Investment Note pays a high Interest Rate and has a high Risk of Default.
It has a weak Credit Quality due to low cashflow and high Debt Service Ratio.

HR9
High Risk 9

This Investment Note pays a higher Interest Rate and has a higher Risk of Default.
It has a weaker Credit Quality due to lower cashflow and higher Debt Service Ratio.

HR10
High Risk 10

This Investment Note pays the highest Interest Rate and has the highest Risk of Default.
It has the weakest Credit Quality due to very low cashflow and very unhealthy Debt Service Ratio.

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