P2P Investment in Malaysia

Peer-to-peer (P2P) financing connects Investors directly with Malaysian MSMEs seeking funding, bypassing traditional banks. On microLEAP, you browse the Funding List, choose Investment Notes to fund, and earn returns as Issuers repay. microLEAP is regulated by the Securities Commission Malaysia (SC).

You can start investing with as little as RM10 per Investment Note on microLEAP. The RM10 entry point makes P2P investment accessible to all levels of Investors. It allows you to spread funds across multiple Notes, sectors, and risk ratings to diversify effectively.

Returns on microLEAP investments can reach up to 18% per annum, depending on the Note's risk rating. Notes are graded Low (LR1-LR3), Medium (MR4-MR7), and High (HR8-HR10). Lower risk ratings generally carry lower potential returns; higher risk ratings generally carry higher potential returns. The platform's net average return is 16% p.a. Returns are paid monthly and credited to your Available Balance.

All Issuers undergo rigorous credit assessment including credit scoring, financial checks, psychometric tests, and background screening. Micro Financing Notes include Personal Accident insurance up to RM50,000. Investor funds are held in segregated trust accounts under an independent trustee. microLEAP maintains a 0.25% default rate, the lowest among SC-regulated P2P investment platforms in Malaysia.

Shariah-compliant / Islamic financing follows Shariah-compliant principles, ensuring the investment adheres to Islamic finance guidelines. Conventional financing operates under standard finance practices. Both options are available on microLEAP, allowing you to choose investments that align with your personal preferences and values.

Returns from your investments are automatically credited to your Available Balance on a monthly basis. You can withdraw your available balance at any time by requesting a withdrawal through your investor dashboard. Withdrawals are typically processed within 3-5 business days to your registered bank account.

Currently, no. Investments in Notes are held until the financing tenor is complete. Investments may be retracted within 24 hours of pledging your investment or before the Note is locked, whichever occurs first. However, you'll receive monthly returns throughout the investment period which you can withdraw. We recommend diversifying your portfolio across multiple Notes with varying tenors to maintain liquidity.

microLEAP pursues recovery through its collections process. All Notes carry personal guarantees from Issuers. microLEAP's Collections Team actively follows up on overdue repayments to protect Investors' interests.

There is no fee to create an account or browse the Funding List. Investor Fees apply when returns are earned, and vary based on your League tier. Higher tiers unlock lower Investor Fees.

Create a free account, complete the verification process, top up your Available Balance, and browse the Funding List to invest in your first Investment Note. Minimum investment amount is RM10.

P2P investment is not capital-guaranteed and comes with some element of late repayments and default risks. Issuers may fail to repay. The SC recommends retail Investors cap total P2P financing investment at RM50,000 at any time.

Many Investors diversify across sectors, tenors, risk ratings, and multiple Investment Notes rather than concentrating funds in a single opportunity.