Get Crowdfunded, Fast.
Looking to grow your MSME? Get financing from RM1,000 up to RM1,500,000 with fast approval and competitive fees. Choose between Shariah-compliant or conventional options—designed to support your business at every stage.
Why Raise Funds with microLEAP?
We analyse your business needs to provide the right structure, fair rates, and fast results.
Optimised Repayment Structures
We match the tenor to the product. Depending on the financing type, we structure your repayments as Monthly, Bullet, or Balloon to ensure sustainable cash flow management.
Flexible Asset Requirements
Clean or Collateralised. We are adaptable—offering clean financing for speed, or accepting hard collateral to maximise your financing size.
Islamic & Conventional Options
Financing that fits your preference. We offer both Shariah-compliant and Conventional financing products, ensuring you get the comprehensive solution that suits your business.
Competitive Rates
Cost-effective capital. We constantly benchmark against the market to ensure our financing rates remain highly competitive, offering you a fair and affordable alternative to traditional funding.
Digital Application Process
Speed is our currency. Our data-driven, 100% online assessment allows for faster approval and disbursement compared to traditional banking channels.
No Hidden Fees
Transparency comes first. What you see is what you pay. No surprise charges, no fine-print costs, just clear, upfront pricing you can trust.
Can You Apply?
microLEAP financing is designed for Malaysian MSMEs that are post-revenue and able to demonstrate basic financial viability.
You are eligible if your business meets the following:
All business types are accepted including: sole proprietorships (enterprises), partnerships, limited liability partnerships (LLP), Sdn Bhd, unlisted public companies, public-listed company, subsidiaries of a public-listed company. Any other type of entity as may be permitted by the SC.
Your business should have an operating track record of six (6) months or more.
Used for business transactions and verification purposes.
This includes recent bank statements, management accounts, and audited financial statements (where applicable), depending on the length of the business's operating history.
Business owners and directors should have a reasonable credit record, or be able to justify any impairments.
Including SSM documents, NRIC of directors / ultimate beneficial owners (UBOs), and supporting documents relevant to the financing type (e.g. invoices, POs).
Personal guarantees are required (typically two), subject to facility structure and credit assessment.
For certain financing structures, payment from the paymaster may be made to a joint account or disbursement directly to approved suppliers.
Apply. Get Assessed. Get Funded.
A simple, transparent process from application to funding.
Fill in Online Form
Complete our simple online application form with your business details and financing needs.
Our Team Verifies & Scores
We review your application, verify documents, and assess your business creditworthiness.
After approval, your financing request goes live on the platform
Once fully funded, the funds are disbursed based on the approved structure — either to your business or directly to your suppliers.
Your Fundraising Checklist: What to Prepare
To ensure a fast and accurate assessment for your financing request, please have the following documents ready. Organise your files based on the three phases below.
Phase 1: Initial Assessment
(Business & Ownership Verification)
Completion of a short online form covering key business details, ownership structure, and contact information
Valid business registration documents
Overview of your business operations and structure
Identification documents for all directors and ultimate beneficial owners (UBOs)
Note: Note: Information provided will be used for initial screening and verification purposes.
Phase 2: Financial Review
(Financial Performance & Cash Flow Assessment)
Up to the latest 3 years, where applicable
Most recent internal financial reports
Corporate bank statements for the past 6 months
Note: Note: Requirements may vary depending on the length of your business's operating history.
Phase 3: Business & Transaction Validation
(Financing-Specific Documents)
Up to the latest 3 years, where applicable
Most recent internal financial reports
Corporate bank statements for the past 6 months
Corporate bank statements for the past 6 months
Note: Note: Documents requested may vary depending on the financing structure, risk profile, and nature of the transaction.
General Note:
Please submit all financial documents in PDF format where possible through our secure application portal. Submission of documents does not guarantee approval. All applications are subject to credit assessment, verification, and platform requirements.
Business Funding Calculator
Understand your financing costs and monthly repayment obligations
Why Choose microLEAP for Business Funding?
Quick Approval
Fast application process with funding decisions within days
Flexible Terms
Choose from 6 to 36 months tenor that suits your business cash flow
Free Microinsurance
Micro financing Notes come with complimentary Personal Accident insurance up to RM50,000
Disclaimer: This calculator provides estimates based on the parameters you enter. Actual costs and repayment amounts may vary depending on your specific business profile, credit assessment, and final funding terms. Please read our terms and conditions before applying for financing.
Security For All Parties
Comprehensive protection and assurance for your peace of mind
Personal Guarantors Required
We require personal guarantors to ensure commitment and accountability, protecting both investors and your business interests.
Free PA Insurance (Up to RM50K)
All micro financing comes with complimentary Personal Accident insurance coverage for a key person, providing additional security for your business.
Need Funds for Your Business?
Raise RM1,000-RM1,500,000 through microLEAP. Quick approvals, flexible terms, and a digital-first process. All issuers undergo a comprehensive credit evaluation process, and each investment note is safeguarded through a combination of personal guarantees, credit scoring, and complementary micro-insurance coverage (micro financing only), ensuring greater confidence for our investors.
Micro Financing
Quick Capital for Small Businesses
Tenor
6-36 months
Max Amount
RM 50,000
Flexible funding to grow or sustain your small business operations.
- Valid SSM registration with at least 6 months of operations
- Suitable for inventory, equipment, or operational expenses
Invoice Financing
Get Paid Early on Outstanding Invoices
Tenor
Up to 180 days
Max Amount
RM 1.5M
Convert invoices from GLCs and corporates into immediate cash flow.
- Confirmed invoices from GLCs, government agencies, or established corporates
- Payment terms not exceeding 180 days
Purchase Order Financing
Fulfill Large Orders with Confidence
Tenor
Up to 180 days
Max Amount
RM 1.5M
Upfront funds to fulfill confirmed purchase orders from credible buyers.
- Confirmed POs from GLCs, government agencies, or established companies
- PO delivery timeline within 180 days
Working Capital
Boost Your Business Operations
Tenor
6-36 months
Max Amount
RM 500,000
Flexible cash flow for operations, expansion, or daily business needs.
- Minimum 6 months operations with consistent revenue stream
- Suitable for operations, inventory, expansion, or equipment
SARANA & e-Perolehan
Official P2P financing platform for Government Procurement
Tenor
3-12 months
Max Amount
RM 1.5M
microLEAP is an official P2P financing platform approved on the SARANA programme for Government and GLC procurement (ePerolehan).
SARANA is a programme under the Ministry of Finance and Securities Commission Malaysia (SC), connecting registered vendors to the Government with approved P2P financing platforms.
microLEAP is an approved P2P financing platform, enabling seamless financing for government contractors and suppliers.
Financial Support Letter
Strengthen Your Tender Bids
Tenor
Project-based
Max Amount
Tender-based
Official financing commitment to boost your tender credibility.
A Financial Support Letter (FSL) is an official document issued by microLEAP confirming our commitment to finance your project if you win a tender.
This strengthens your tender submission by demonstrating financial backing from a regulated financier.
Success Stories from Our Issuers
Hear from businesses that have grown with microLEAP's support
"microLEAP ni banyak tolong dalam kembangkan bisnes saya. Dari saya mula Enterprise sampailah sekarang ni dah Sendirian Berhad. Apa yang best nya, 100% online! Sangat mudah ya nak apply. Tak payah pergi office nak pening kepala bawa dokumen yang banyak. Sekejap je, saya dah dapat pembiayaan yang saya nak untuk pergi ke tahap seterusnya. Dek kepercayaan dan sokongan dari Pelabur microLEAP, saya mampu merasakan kejayaan yang diterima sekarang ni. Terima kasih ya, microLEAP!"
KFZ Zairis Resources
Business Owner
"When we approached banks, our business faced challenges due to limited track record and reputation. microLEAP provided us with an accessible alternative. The financing process was straightforward and significantly simpler compared to traditional banks. From application to disbursement, it took only about two to three weeks to receive our working capital, with minimal documentation required. The fully online process also meant we did not need to visit the office, which saved us valuable time. With microLEAP's support, our business achieved an estimated 10 to 15 percent growth in sales and profitability."
Hill & Hail Legacy
Business Owner
Micro Financing: Capital for Growth
Simple, micro financing from RM1,000 to RM50,000, designed specifically for micro-enterprises.
Limited Financial Documents? No Problem.
We understand that micro-businesses may not have a full set of audited accounts yet or not enough financial documents. That shouldn't stop you from growing.
Amount:
RM1,000 – RM50,000
Tenor:
Up to 36 Months
Ideal For:
Sole Proprietorships / Enterprises, Partnerships, and small businesses
Assessment via Psychometric Testing
Instead of just looking at history, we look at potential. We partner with Global Psytech to assess your creditworthiness through a simple, data-driven behavioural assessment.
How it works: A quick online test that measures business integrity and decision-making.
The Partner: Powered by Global Psytech, a leader in behavioural data analytics.
Financial Learning Support: Access to basic online videos on debt management and simple accounting for micro-businesses.
Free Micro-Insurance: Personal Accident (PA) insurance coverage provided for free, up to RM50,000.
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Frequently Asked Questions
Common questions from Malaysian business owners
We welcome Malaysian registered entities that have been in operation for at least 6 months. This includes Sole Proprietorships (Enterprises), Partnerships, PLTs, Private Limited Companies (Sdn Bhd), and Listed/ Unlisted Public Companies.
Yes, you can. We accept applications from businesses with existing financing, subject to a Debt Service Ratio (DSR) assessment to ensure you can comfortably manage the new repayments.
We believe in transparency. Our fees are simple: a RM50 Application Fee upfront, and a one-time Platform Fee of 2%–8% (based on your financing tenor) deducted from the disbursement amount. That's it—no hidden charges, no monthly service fees.
This depends on your business needs. For Micro Financing, you can raise between RM 1,000 and RM 50,000. For Working Capital Financing, eligible businesses can raise up to RM 500,000. And for Invoice and PO Financing, businesses can raise up to RM 1.5M.
You do not need to be 100% funded to succeed. As long as your campaign reaches at least 80% of your funding target by the end of the funding period, we consider it successful and we will disburse the funds to you.