About SME Fundraising
Fuel Your Business Growth with SME-Funding-i
Raising funds through Peer-to-Peer (P2P) Financing is a faster, smarter, and more inclusive alternative to traditional bank loans. Instead of depending on a single financial institution, SMEs can connect directly with a community of investors eager to support high-potential businesses.
How It Works
Apply Online
Submit your funding request digitally in minutes.
Credit Assessment
Our team will evaluate your business using our 3-layer credit model (psychometric, financial profile, digital footprint).
Campaign Launch
Once approved, your financing campaign goes live on our platform for investors to fund.
Funds Raised
Investors collectively contribute until your funding goal is met.
Disbursement & Repayment
Receive your funds quickly and repay through structured installments.
Why SMEs Choose SME-Funding-i
Faster Access to Capital
Raise funds in as little as 5–10 working days, compared to months with traditional banks.
Collateral-Free Options
Secure financing up to RM10 million without pledging assets (except Property Funding-i or on-demand).
Shariah-Compliant & Transparent
100% ethical financing regulated by the Securities Commission Malaysia.
Backed by Expertise
Credit governance led by ex-SME bankers with 70+ years of combined experience.
Balanced Approval Approach
Each application is assessed on business fundamentals, making financing more accessible while ensuring investor confidence.
Diverse Investor Support
Funded by a mix of retail investors, institutions, and high-net-worth individuals, ensuring sustainable fundraising for SMEs.
Flexible Solutions
Six tailored financing products to match your exact business needs.
Eligibility to Apply — SME Fundraising
SMEs that meet the following requirements are welcome to apply for fundraising through our platform.
Application Fee
A one-time fee is charged per application to cover credit checks and verification costs.
Need to know before raising funds on SME-Funding-i
Issuer (Borrower) FAQs
This section answers common questions about what P2P financing is, how the process works, and who's eligible to use our platform.
Who is eligible to raise funds on SME-Funding-i?
Malaysian-registered SMEs with at least 12 months of operating history and valid SSM registration are eligible to apply for financing through SME-Funding-i.
What types of financing are available?
We offer working capital, invoice financing, and project-based financing, depending on the purpose and nature of your business needs.
How much can my business raise?
Eligible SMEs can raise between RM100,000 and RM10,000,000 per note, subject to credit assessment and business performance.
How long does the approval process take?
Initial review and credit assessment typically take 3–5 working days once all required documents are submitted.
What documents are required?
Required documents may include: latest 6–12 months of bank statements, business registration documents (SSM), company profile, and financial statements or management accounts.
Will my business details be made public?
Only essential information such as business type, financing purpose, and repayment term will be shared with investors. All confidential business and financial information remain private and protected.
How are repayments made?
Repayments are made securely according to the agreed schedule through SME-Funding-i's digital platform.
Can I issue more than one note?
Yes. Businesses with strong repayment history and continued eligibility may apply to issue additional notes over time.
Are there fees for issuers?
Application Fee: RM100 (Sole Prop & Partnership) or RM150 (LLP/Sdn Bhd). Platform service fee: 5%–8% of funds raised, deducted from disbursement. Late Payment Charges: Ta'widh up to 1% p.a., combined max 10% p.a. Prepayment Fee: 2% of outstanding principal. Cancellation Fee: 1% of approved disbursement amount if cancelled after full funding.