FAQ

Peer-to-Peer (P2P) financing is an online platform that connects investors directly with Small and Medium Enterprises (SMEs) seeking business funding. It removes intermediaries such as banks, enabling faster access to capital while offering investors attractive, consistent returns.

Yes. SME Funding-i operates under the approval and supervision of the Securities Commission Malaysia (SC). All P2P financing platforms in Malaysia are regulated to ensure transparency, accountability, and investor protection.

SMEs apply for financing through SME-Funding-i. Once approved, their campaigns are listed for investors to fund. Upon full funding, the SMEs receive the capital and repay investors over time with profit.

SME Funding-i serves two main groups: (1) Investors seeking higher-yield, diversified portfolios. (2) SMEs looking for fast, Shariah-compliant business financing solutions.

Investment Notes are financial instruments (similar to short-term loan agreements) that represent investment opportunities between investors and SMEs on the SME Funding-i platform. Each note has its own risk and return profile, offering flexibility and transparency to investors.

SME Funding-i uses bank-grade encryption and complies fully with the Personal Data Protection Act (PDPA) to safeguard all user data and financial information.

In the event of a default, SME Funding-i will initiate recovery procedures, including reminders, restructuring options, or legal recovery through appointed agencies. Investors are kept updated throughout the entire process.

All investor funds are held in trust accounts managed by a licensed trustee company, fully separated from SME-Funding-i's operational funds to ensure maximum protection.

A PEP (Politically Exposed Person) is someone who holds or has held a high public position, such as a government official, politician, or senior officer in a state-owned company. If you are a PEP, additional due diligence requirements may apply to your account registration.

Auto Invest is an optional feature designed to help your money work for you automatically.
nstead of manually browsing investment opportunities and monitoring new investment notes, Auto Invest automatically allocates your available wallet balance into eligible Shariah-compliant investment notes based on your selected investment preferences. This allows you to stay invested with minimal effort while continuing to earn potential returns.

No. Auto Invest is completely optional, and you may continue investing manually at any time.
However, Auto Invest is designed to add convenience by automatically investing your available wallet balance into eligible investment opportunities based on your selected preferences. This reduces the need to manually monitor the platform for new investment notes while helping you remain invested with minimal effort.

Once Auto Invest is activated, the system automatically scans for eligible investment notes that match your selected preferences.
Whenever a matching investment opportunity becomes available, your available wallet balance may be automatically invested without requiring any manual action.

Yes. As long as Auto Invest remains active, your monthly profit payments, principal repayments, refunds and matured investment proceeds may automatically be reinvested into future eligible investment notes that match your selected preferences.

Conservative Income — Expected average annual portfolio return: 8% p.a. Focuses on lower-risk investment opportunities with an emphasis on capital preservation and stable income generation.

Balanced Income — Expected average annual portfolio return: 12% p.a. Provides a balance between income potential and risk through a diversified range of investment opportunities.

Growth Income — Expected average annual portfolio return: 16% p.a. Targets higher-income investment opportunities with greater return potential for investors comfortable with higher levels of risk.

No. The expected average annual portfolio returns are indicative only and are not guaranteed. Actual returns may vary depending on investment allocation, note availability, issuer repayment performance, early settlement (Ibra'), applicable fees and other relevant factors.

No. Auto Invest allocates investments based on your selected strategy together with the platform's allocation methodology, diversification principles and eligible investment criteria. It does not invest solely based on the highest advertised return.

Yes. Activating Auto Invest does not restrict you from making manual investments whenever you choose.

Yes. You may activate, modify or deactivate Auto Invest through your account at any time. However, investments that have already been allocated, reserved or committed before deactivation will remain valid. To deactivate your Auto Invest, please email our Helpdesk at [email protected] using your registered email address. Our team will process your request and confirm once your Auto Invest has been deactivated.

Not necessarily. Investment depends on the availability of eligible investment notes matching your selected preferences. If no suitable opportunities are available, your funds will remain in your Investor Wallet until an eligible investment becomes available or you choose to withdraw them.

Auto Invest may invest in eligible Shariah-compliant investment notes available on SME-Funding-i, including Business Term Financing-i, Invoice Financing-i, Secured Investment Notes, Guaranteed or risk-mitigated Investment Notes, and other eligible financing products introduced by the platform.

Yes. Auto Invest is suitable for investors who prefer a simpler investing experience without having to monitor the platform for new investment opportunities every day. You remain in control by selecting the investment strategy that best suits your financial goals and risk tolerance.

No. There is no additional fee for activating or using Auto Invest. However, investments made through Auto Invest remain subject to the normal platform fees, investor service fees and charges applicable to each Investment Note.

Yes. Auto Invest only allocates funds into Shariah-compliant investment notes made available on the SME-Funding-i platform.

No. Peer-to-peer financing involves investment risk. While certain investment notes may include additional security or risk mitigation features, neither your capital nor your returns are guaranteed. Investors may lose part or all of their invested capital if an issuer defaults.

No. Auto Invest is an investment feature and is not a fixed deposit, savings account or capital guaranteed investment product. Funds invested through Auto Invest are not protected by Perbadanan Insurans Deposit Malaysia (PIDM).

All financing products strictly adhere to Islamic finance principles — free of interest (riba), excessive uncertainty (gharar), and prohibited activities (haram). A dedicated Shariah Advisory Committee supervises and approves each transaction to ensure full compliance.

We primarily use Commodity Murabahah (Tawarruq), a widely accepted Islamic financing structure. The contract ensures all profit is derived from a legitimate trade transaction rather than interest.

Businesses involved in alcohol, gambling, conventional banking/insurance, tobacco, pork products, weapons manufacturing, or any other industries deemed haram under Islamic law are not eligible for financing on our platform.

We work with a dedicated Shariah Advisory Committee to ensure all products, contracts, and processes comply with Islamic finance principles. Our Shariah partner is Masryef.

Not at all. Shariah-compliant financing simply means the structures are transparent, ethical, and free from exploitative interest. Non-Muslim investors are equally welcome to participate and benefit from these structures.

We conduct thorough KYC (Know Your Customer) and AML (Anti-Money Laundering) checks on all users. Advanced fraud detection systems monitor platform activity. Any suspicious activity is reported to the relevant authorities.

Platform service fees of 1%–2% on the repayment amount (principal + profit). This will be deducted when the returns on the investment note is paid to you. No upfront fees will be charged. *Not applicable on guaranteed notes.

Application Fees: RM100 (Sole Prop & Partnership) or RM150 (LLP/Sdn Bhd). Platform service fee: 5%–8% of funds raised depending on tenure, deducted from disbursement amount. Late Payment Charges: Ta'widh of up to 1% per annum on overdue amounts, combined max 10% per annum. Prepayment Fee: 2% of outstanding principal. Cancellation Fee (if funded but cancelled before disbursement): 1% of approved disbursement amount.

Both individual and corporate investors aged 18 and above can invest, subject to completing the registration and verification process including KYC requirements.

Investors can start with as little as RM100 per note, making it easy to diversify across multiple investment projects.

Returns typically range between 10% to 18% per annum, depending on the issuer's credit rating and the financing structure of each note.

Funds invested in active notes are locked until the financing term ends. However, uninvested balances in your wallet can be withdrawn at any time.

All active notes, repayment updates, and investment summaries can be viewed anytime through your personal investor dashboard on the SME Funding-i platform.