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.

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.