Regulated by Securities Commission Malaysia
Dual platform: Shariah & Conventional options
Up to 18% p.a. investor returns
Quick, simple application process for MSMEs
Backed by trusted institutions
Invest from as little as RM10 and support real businesses. Earn attractive returns while diversifying your portfolio. Our platform ensures every note undergoes strict credit assessment, with selected notes backed by guarantees and insurance.
Earn points. Reduce Fees. Get Rewarded.
“Invest in our Notes to enter the League of Extraordinary Investors. Earn points, unlock perks, and rise from Rookie to Sifu. Plus, get ready for our exclusive reward programme “microLEAP Alliance Programme.”
Raise RM1,000–RM1,500,000 through microLEAP. Quick approvals, flexible terms, and a digital-first process. All issuers undergo a comprehensive credit evaluation process, and each investment note is safeguarded through a combination of personal guarantees, credit scoring, and—in select cases—complementary micro-insurance coverage, ensuring greater confidence for our investors.
Flexible funding up to RM50,000 to grow or sustain your small business.
Max Amount: RM50,000
Tenor: 3 – 24 months
Repayment: Monthly Repayments ((Principal + Profit/ Interest)/ Tenor)
Eligible For: Malaysian MSMEs with min. 6 months operations
Guarantee: Two (2) Personal Guarantee
Shariah-Compliant & Conventional: ✅ Yes
Insurance: ✅ Free PA Insurance
Use Case: For small business owners (MSMEs) seeking capital to grow their business, stock inventory, or fund short-term projects.
Get paid early for invoices issued to GLCs or corporates of up to RM1,500,000.00
Max Amount: RM1.5 million
Tenor: Up to 180 days
Repayment: Bullet repayment upon invoice maturity, or balloon repayment based on profit/tenor structure, with the remaining principal settled at the end of the term.
Eligible For: Companies with valid invoices to GLCs/Govt/ Reputable Corporates
Shariah-Compliant & Conventional: ✅ Yes
Use Case: Cash flow before invoice maturity
Upfront funds to fulfil confirmed purchase orders from credible buyers of up to RM1,500,000.00
Maximum Amount: RM1.5 million
Tenor: Based on project/PO duration
Repayment Type: Bullet repayment upon invoice maturity, or balloon repayment based on profit/tenor structure, with the remaining principal settled at the end of the term.
Guarantee/Collateral: Assigned Purchase Order + Proof of Delivery
Shariah-Compliant & Conventional: ✅ Yes
Use Case: Fulfilling government or corporate Purchase Orders (e.g. equipment supply, project works).
Boost cash flow for operations, expansion, or daily business needs of up to RM1,500,000.00
Maximum Amount: RM1.5 million
Tenor: Based on project/PO duration
Repayment Type: Bullet repayment upon invoice maturity, or balloon repayment based on profit/tenor structure, with the remaining principal settled at the end of the term.
Guarantee/Collateral: Assigned Purchase Order + Proof of Delivery
Shariah-Compliant & Conventional: ✅ Yes
Use Case: Fulfilling government or corporate Purchase Orders (e.g. equipment supply, project works).
Show proof of financing support to strengthen your tender bids.
A non-binding letter issued by microLEAP to support SMEs in tender submissions or contract bids. It signals that microLEAP is willing to consider financing the SME if the contract is awarded, subject to final approval.
How it works:
1. SME applies for the letter.
2. microLEAP performs basic checks.
3. Letter is issued confirming potential financing support.
4. SME uses it in tender/bid submissions.
5. If awarded, SME applies for financing through standard credit assessment.
Use Case: Boosts credibility for tenders or project bids by showing access to funding.
Max Amount / Tenure / Repayment: Not applicable until financing is confirmed.
microLEAP is an official registered financier on the SARANA Vendor Financing Platform, which operates under Malaysia’s e-Perolehan system for Government and GLC procurement.
We empower local vendors with fast, digital access to working capital for tender and contract fulfilment.
SARANA is a financing scheme offered by registered peer-to-peer financing (P2P) platform operators to address the working capital needs of Micro, Small and Medium Enterprises (MSMEs) and small contractors participating in Government contracts.
This scheme is targeted for Government contractors under the scope of:
SARANA offers two primary financing options tailored to meet specific financing requirements faced by MSMEs and small contractors:
What happens:
Choose your role:
Issuer (Business Borrower): Register your company to apply for financing.
Investor (Lender): Create an account to start investing in financing notes.
Complete a simple registration form with your basic details and email verification.
You’ll get instant access to your microLEAP dashboard, where all financing and investment activities are managed.
Why it matters:
This step ensures that both businesses and investors start their journey in a secure and structured digital environment.
What happens:
Complete your Know Your Customer (KYC) process digitally.
Upload the following documents through our secure platform:
For Individuals: NRIC (front & back) or Passport.
For Businesses: SSM documents, bank statements, directors’ NRICs, etc.
microLEAP’s compliance team verifies your details to ensure authenticity and regulatory compliance.
Why it matters:
As a Licensed P2P Financing Platform regulated by the Securities Commission Malaysia (SC), microLEAP must ensure all users are genuine and meet AML/CFT requirements.
For Issuers (Businesses):
Submit a financing application directly via your dashboard.
Choose your financing type — Micro, Invoice, PO, or Working Capital Financing.
Upload your supporting documents (bank statements, invoices, POs, etc.).
microLEAP’s Credit Team will review and assess your application.
Upon approval, your campaign will be listed on the platform for investors to fund.
For Investors:
Browse live financing campaigns that match your interest or risk appetite.
Review key details such as tenure, rate of return, business background, and credit Rating.
Invest as little as RM10 per note, or diversify across multiple issuers.
Your investment funds are securely held by Universal Trustee Malaysia Berhad (UTMB), our appointed trustee.
Why it matters:
This step bridges businesses in need of funding with investors seeking impactful returns — transparently and securely.
For Issuers (Businesses):
Once your financing is fully funded, the disbursement is made directly into your business account.
You’ll receive a clear repayment schedule, with automated monthly instalments (Principal + Profit / Interest).
For Investors:
You’ll start receiving monthly repayments directly into your investor account as Issuers make their payments.
Track your portfolio performance, reinvest your returns, or withdraw funds anytime.
Why it matters:
microLEAP manages all collections and repayments through its trustee, ensuring transparency, safety, and trust for all parties.
microLEAP works with key institutional partners like MyCIF, MAA, MTDC, Teraju, SME Corp and other DFIs to enhance access to funding and promote MSME growth. Ask us how we can co-create your own financing program.
Fully certified by registered Shariah Advisors. microLEAP Islamic offers ethical, interest-free investments and financing options based on the principles of Mudarabah and Murabahah.
Whether you’re looking to grow your wealth or your business, microLEAP is your platform to make it happen. Fully digital, transparent, and regulated.
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