Why Invest in
P2P Financing
with SME-Funding-i?
Attractive returns, recurring monthly income, and the satisfaction of supporting Malaysian SMEs.
Investing through Peer-to-Peer (P2P) financing gives you more than just attractive returns — it offers predictable, recurring monthly income, strong governance backed by experienced bankers, and the satisfaction of directly supporting Malaysian SMEs.
Recurring Monthly Returns
Unlike fixed deposits or bonds that take years to mature, P2P financing offers both principal and profit on a monthly basis. You'll receive consistent cash flow, giving you flexibility to reinvest or use the funds for your financial needs. Over time, your returns compound through reinvestment, boosting your overall portfolio performance.
Attractive Profit Rates
Investor returns typically range between 8% – 18% per annum, depending on the SME's risk level and financing term. With structured repayments, your capital is gradually returned while earning profit — reducing risk exposure compared to long-term, locked-in investments.
Strong Governance, Backed by Banking Expertise
SME Funding-i is operated by DBS Solutions (M) Sdn Bhd, a licensed Islamic P2P Platform regulated by the Securities Commission Malaysia. Our management brings over 70+ years of combined SME banking experience, ensuring every deal undergoes strict credit and cash-flow assessment. Your funds are handled with the same prudence as institutional lending, but with faster execution and better flexibility.
Shariah-Compliant & Ethical
All financing is structured under Commodity Murabahah, ensuring no riba (interest), no uncertainty, and no unethical industries. Investments are transparent, traceable, and fully aligned with Islamic finance principles — offering you ethical returns with peace of mind.
Diversification & Risk Management
You can start investing with as little as RM100 per note and diversify across multiple businesses to balance risk. The Smart Invest Auto-Invest tool helps you automatically allocate funds into diversified portfolios. Even if one issuer faces challenges, portfolio-wide diversification minimizes overall impact, protecting your returns.
Investment Comparison
Attractive returns, recurring monthly income, and the satisfaction of supporting Malaysian SMEs.
| Feature | P2P Financing (SME-Funding-i) |
Fixed Deposit (FD) | Bonds | Unit Trusts / Equity Funds |
|---|---|---|---|---|
| Returns (p.a.) | 8.0% – 18% | 2% – 3% | 4% – 6% (gov / corp) | Varies (can be negative) |
| Payment Frequency | Monthly (principal + profit) | At maturity | Semi-annual or annual | Dividends (irregular) |
| Capital Return | Gradual monthly (reducing exposure) | Lump sum at maturity | Returned at maturity | Fluctuates with market |
| Liquidity | Steady monthly cash inflow; can reinvest | Locked until maturity | Locked until maturity | Redeem subject to market value |
| Risk Profile | SME default risk (mitigated by diversification) | Very low risk, low return | Medium risk | High risk (market volatility) |
| Governance | SC-regulated, Shariah-compliant, 70yr banking | Bank regulated | BNM / SC regulated | SC regulated |
| Purpose | Supports real SMEs & national growth | Bank deposit | Corporate/gov funding | Market-driven investments |
Everything you need to know before investing
Investor FAQs
How much return can I expect from investing?
Typical net investor returns range between 8% to 18% per annum, depending on the SME's risk profile, financing tenor, and market conditions.
Who can invest on SME-Funding-i?
Both individual and corporate investors aged 18 and above can invest, subject to completing registration and KYC verification.
What is the minimum investment amount?
Investors can start with as little as RM100 per note, making it easy to diversify across multiple investment projects.
Is my investment guaranteed?
No. P2P investments carry certain risks, and returns are not guaranteed. However, every issuer undergoes detailed credit assessment to minimise potential default risk.
How are risks managed?
Each issuer is evaluated through in-depth financial analysis, business background checks, and repayment capacity reviews. Every note is assigned a risk grade to indicate creditworthiness.
How will I receive repayments?
Repayments, including principal and profit, are credited directly to your SME Funding-i investor account according to the agreed repayment schedule.
Can I withdraw my funds anytime?
Funds invested in active notes are locked until the financing term ends. However, uninvested balances in your wallet can be withdrawn at any time.
Are there fees for investors?
Platform service fees of 1%–2% on the repayment amount (principal + profit). This will be deducted when returns are paid to you. No upfront fees. Not applicable on guaranteed notes.
How do I track my investments?
All active notes, repayment updates, and investment summaries can be viewed anytime through your personal investor dashboard.