Invest in P2P Financing
Learn how Peer-to-Peer (P2P) Financing works, its benefits, risks, and how microLEAP connects Investors with Malaysian businesses seeking funding.
Key Features of Our P2P Investment Platform
P2P financing is a revolutionary way to invest by lending money directly to businesses through a digital platform, earning competitive returns while supporting Malaysian MSMEs and entrepreneurs.
Regulated by the Securities Commission Malaysia (SC)
Operate under strict regulatory oversight, ensuring transparency, investor protection, and compliance with SC’s guidelines
Digital Platform
An online marketplace where businesses (Issuers) can raise funds and investors can earn returns by funding Investment Notes.
Returns Up To 18% P.A.
Earn competitive returns on your investments, significantly higher than traditional savings or fixed deposits.
Issuers Undergo Robust Credit Assessment
Every business is thoroughly vetted through our rigorous credit scoring and risk assessment process before listing.
Hassle-Free Auto-Invest
Set your investment preferences and let our system automatically invest on your behalf.
Funds Held in Trust
Investor funds are protected in segregated trust accounts before investment, managed by a licensed trustee, ensuring your money is safe.
Investing on microLEAP
From application to returns - understand the complete P2P financing investment journey
Issuer Applies
A business (Issuer) applies for funding on microLEAP, submitting required documentation and business information.
Credit Assessment
microLEAP conducts rigorous due diligence and credit risk assessment using our proprietary credit-scoring engine.
Investment Note Created
Approved businesses have Investment Notes created with details on funding amount, tenor, returns, and risk rating.
Investors Fund
Investors review notes and invest from as little as RM10, spreading their capital across multiple opportunities.
Monthly Returns
Issuers make monthly payments (principal + returns) directly to investors' accounts throughout the tenor.
Portfolio Growth
Investors receive returns, reinvest in new notes, and build a diversified portfolio over time.
Why Invest in P2P Financing?
Discover the advantages that make P2P financing an attractive alternative to traditional investments
Higher Returns — Earn up to 18% p.a.
Earn up to 18% p.a. - significantly higher than traditional savings accounts or fixed deposits.
Low Entry Barrier
Start investing with just RM10 per Investment Note, making P2P accessible to all Malaysians.
Portfolio Diversification
Spread investments across multiple notes, industries, risk levels, and tenors to mitigate risk.
Regulated & Secure
Regulated by the Securities Commission Malaysia (SC). Funds held in segregated trust accounts by trustees.
Credit-Assessed Issuers
All businesses undergo rigorous credit scoring and require personal guarantees.
Shariah & Conventional
Choose between Shariah-compliant (profit-based) or conventional (interest-based) Investment Notes.
Understanding the Risks
Like all investments, P2P financing carries risks. Here's what you need to know to invest responsibly.
Default Risk
Issuers may fail to make payments. microLEAP mitigates this through credit scoring, guarantees, microinsurance, and collection processes.
Liquidity Risk
Investment Notes cannot be withdrawn before maturity. A 24-hour cooling-off period may apply, subject to campaign status and platform terms. Plan your liquidity needs accordingly.
Capital Risk
Investing in P2P financing is not capital-guaranteed. Your principal is at risk if an Issuer defaults.
Recovery Process
Defaults can happen, but we work hard to protect your investment. If a default occurs, microLEAP will take all reasonable steps to recover your funds — including using debt recovery agents and legal action when needed — to help you get back your principal and returns.
Risk Mitigation Strategy
Retail investors: The SCThe SC recommends keeping your total P2P financing investment up to RM50,000 at any time. Spread your funds across different notes (risk levels, sectors, and tenors) and only invest what you can afford to lose.
Sophisticated investors: There’s no SC limit recommendation, but it’s still wise to diversify and avoid putting too much into a single investment.
The microLEAP Difference
What sets microLEAP apart as Malaysia's trusted P2P Financing Platform
Regulated by Securities Commission Malaysia under the P2P Financing Framework
Proprietary credit risk engine with transparent Low, Medium to High Risk ratings
Mandatory 2 personal guarantors or a corporate guarantor.
Micro financing notes include free Personal Accident insurance up to RM50,000 for Issuers
Segregated trust accounts for Islamic and Conventional funds
Auto-Invest feature to be first in queue for new Investment Notes
League of Extraordinary Investors with microLEAP Credits and lower fees
Active collections process with licensed debt recovery agents for defaults
Investor Reward Program with real-world perks from merchant partners
Why Choose P2P Financing?
Key advantages that make investing with microLEAP rewarding
Up to 18%
RM 10
3-36 months
24 Hours
*subject to terms
Start your investment journey from as little as RM 10 and enjoy competitive, SC-regulated returns.
Ready to Start Your P2P Financing Investment Journey?
Join thousands of Malaysians earning competitive returns while supporting local businesses. Start with as little as RM10 today.