Open & ActiveP2P / Debt FinancingDirect-apply
SC Malaysia — Peer-to-Peer (P2P) Financing Platforms
Debt — P2P / Invoice Financing
Peer-to-peer debt and invoice financing via SC-licensed platforms for operating Malaysian SMEs with invoices or contracts.
Open & Active — 16 SC-licensed P2P platforms including Funding Societies, CapBay, MicroLEAP. Open to all registered companies. Apply on platform websites.
Financial Parameters
- Total pool / mandate
- SC-licensed platforms: Funding Societies, CapBay, B2B Finpal
- Ticket size
- RM50,000 – RM5,000,000 per raise
- Cost of capital
- 5%–18% p.a. annualised (risk-based pricing by platform); Islamic P2P available (Funding Societies-i, CapBay-i)
- Tenure
- 6–36 months (working capital); up to 5 years (term financing)
- Grace period
- N/A (short-term P2P); some platforms offer 1-month payment grace
- Shariah-compliant
- Both
Focus Areas
- Value chain segments
- Advanced Packaging / OSATEquipment Manufacturing / AutomationAdvanced Materials & Substrates
- Use of proceeds
- CapExWorking CapitalExport / Mkt Access
- Company stage
- Established / Mid-tierGrowth-stage
Eligibility
- Ownership requirement
- Malaysian SME; ≥51% Malaysian-owned; registered with SSM; revenue-generating
Operating SME; >1 year operating history; must show invoices or contracts for invoice financing
Application
- Application cycle
- Rolling — apply via platform portals (fundingsocieties.com.my, capbay.com)
Background
- Example recipients
- E&E component SMEs with receivables from MNC buyers; semiconductor supply chain
- Notes / source
- SC-regulated. Source: SC Malaysia, Curlec Apr 2026, fundingsocieties.com.my