Co-Funding Programmes (Institution + Crowd)
Blend institutional capital with microLEAP's investor base to scale MSME financing programmes—while maintaining clear governance, defined programme rules, and transparent reporting.
Programme structures are subject to eligibility, underwriting and agreed programme terms. Investing involves risk, including potential loss of capital.
Scale, Control, Visibility
A co-funding model that expands funding capacity while preserving programme rules and institutional-grade reporting.
Blended capital to scale deployment
Programme rules you control
Diversified participation
Transparent reporting & monitoring
Shariah-compliant or Conventional options
What is a Co-Funding Programme?
A Co-Funding Programme combines institutional funding with participation from microLEAP's investor marketplace to support MSMEs under a single programme framework. Institutions define the mandate and key parameters (segment, limits, pricing approach, reporting). microLEAP delivers origination, underwriting, servicing, collections, and programme reporting.
Think of it as a scalable MSME programme delivered through a regulated marketplace—with institutional governance and crowd participation.
Why Institutions Choose Co-Funding
Scale Without Building From Scratch
Deploy faster using microLEAP's existing platform, workflows, and investor participation.
Broader Participation, Diversified Exposure
Combine institutional and retail participation to broaden funding capacity and diversify participation sources.
Programme Control and Governance
Define eligibility rules, concentration limits, and reporting requirements aligned to your mandate.
Transparent Monitoring
Receive periodic reporting packs and dashboards covering deployment, performance, and portfolio quality.
Mandate Flexibility
Structure programmes for specific sectors or segments (e.g., supply chain vendors, women-led MSMEs, rural MSMEs), including Shariah-compliant options where required.
Choose Your Co-Funding Structure
Below are common models. The right choice depends on how much risk you want to retain, how you want to influence pricing, and what outcomes you need to measure.
Parallel Co-Funding
Institution + Investors side-by-side
Best For
DFIs, corporates, and government programmes seeking scale and shared participation
How It Works
Institutional capital and marketplace investors fund notes under the same programme rules, each taking defined allocations.
Why It's Useful
Scales deployment while maintaining programme discipline—institutions can participate alongside investors while setting programme parameters aligned to mandate and expected return objectives.
Anchor Funding
Institution as the anchor
Best For
Programme owners wanting faster take-up and signalling confidence
How It Works
The institution anchors a portion of each eligible note or portfolio; the marketplace funds the remainder.
Why It's Useful
Helps campaigns fund more consistently, subject to programme design.
Matched Funding
Institution matches investor participation
Best For
Policy or ecosystem programmes aiming to catalyse participation
How It Works
Institutional capital matches marketplace funding based on a pre-defined ratio or rule set (e.g., 1:1 up to a cap).
Why It's Useful
Encourages participation while keeping programme governance clear.
Structures, allocations and eligibility are configured per programme and subject to underwriting and agreed terms.
How It Works
Mandate & Design
Confirm target segment, programme goals, risk appetite, pricing approach, limits and reporting.
Rulebook & Governance
Agree eligibility, concentration controls, approval workflow, exceptions policy and reporting criteria.
Origination & Underwriting
Agree eligibility, concentration controls, approval workflow, exceptions policy and reporting criteria.
Launch & Execution
Eligible notes are published under the programme and funded according to the agreed co-funding model.
Servicing & Reporting
Ongoing monitoring, repayment management and periodic reporting packs to the institution.
Common Co-Funding Use Cases
Government & state MSME initiatives with defined target segments, eligibility criteria, and programme KPIs
DFI programmes designed to catalyse MSME financing participation and crowd in private capital
Bank-led MSME programmes delivered through a governed marketplace structure
Investment firms & family offices seeking diversified participation in SME notes
Corporate investors / treasury programmes deploying capital into structured SME programmes
Corporate ecosystem programmes (vendors, distributors, contractors) to strengthen supply chain resilience
Sector-focused deployment (agri, manufacturing, halal, services, etc.) aligned to strategic priorities
Impact-linked mandates requiring structured monitoring and reporting
Use cases can be structured for commercial, policy, or blended objectives. Participation and outcomes depend on programme design, eligibility, and underwriting.
Explore Other Partnership Models
Discover other ways institutions partner with microLEAP to deploy capital and support MSMEs.
Institutional/Corporate Funding Partnership
Deploy institutional or corporate funds via microLEAP's regulated structure with agreed underwriting and reporting.
Learn more
Vendor & Supply Chain Financing
Finance suppliers upfront against your procurement cycles—improve supplier cash flow while optimising your payment terms.
Learn more
Government & State Initiatives
Targeted MSME schemes aligned to public policy outcomes, with clear governance and reporting.
Learn more
Customisable Financing Programme (CFP)
For mandates that don't fit a standard model — design a bespoke programme with custom eligibility, governance, pricing mechanics, and reporting built around your brief.
Learn moreReady To Structure A Co-Funding Programme?
Speak with our team to structure a partnership aligned to your mandate and risk appetite.
What we need
- 1
Target segment and programme goal
- 2
Indicative deployment size and timeline
- 3
Pricing approach (market-based or affordability-led)
- 4
Any mandate constraints (Shariah, sector restrictions, caps, KPIs)