General FAQ

Issuer benefits:

Access to Capital: Alixco P2P provides an alternative source of financing for SMEs that may have difficulty securing loans from traditional banks.
Speed and Convenience: The application process on Alixco P2P is often faster and more convenient, allowing SMEs to access funds more quickly when compared to traditional lending institutions.
Flexible Loan Terms: Alixco offers flexibility in setting loan terms, allowing SMEs to negotiate terms that suit their specific needs.
Online Exposure: Participating in P2P lending can provide SMEs with online exposure and marketing opportunities, helping to increase brand visibility and reach a wider audience.
Relationship Building: Establishing a positive track record on Alixco P2P platform can lead to stronger relationships with investors, potentially opening the door to future financing opportunities.
Reputable SME Digital Financing platform
The only operator in Malaysia offering p2p financing and equity crowdfunding for startups/SMEs.

What does Alixco P2P Financing do?

As a registered P2P financing operator with the Malaysian Securities Commission, we act as a ‘marketplace’ offering investors investment opportunities in the growing SME market in Malaysia and providing financing solutions for small-and medium-sized businesses (SMEs).

We offer fixed-term financing for SMEs by matching these companies.

What is P2P financing?

We offer you as an investor a chance to directly invest in Malaysian businesses on fixed terms and for attractive interest rates. In turn, we offer Malaysian SMEs a fast and inexpensive way to obtain funds for growing their business. This concept – by directly investing in companies and cutting out the middleman – is called P2P financing.

How does P2P financing work on Alixco?

Once you come across an interesting campaign on AlixCo’s website and decide to make in investment in that business, simply hit the ‘Invest’ button on the campaign page. We will then send you an email with the transfer details.

Alixco only accepts bank transfers from verified users' own bank accounts. Cash deposits are not allowed
This policy is in place to ensure compliance with financial regulations and to maintain the security of your transactions.

All repayments including interest will be automatically transferred back to your Alixco account. Simple as that!

Is Alixco regulated ?

Yes, Alixco is a Registered Recognised Market Operator, governed under Section 34 of Capital Markets and Services Act 2007 (CMSA) by Securities Commission of Malaysia (“SC”).

Alixco P2P Financing is fully owned and managed by FBM Crowdtech Sdn Bhd

https://www.sc.com.my/development/digital/digital-initiatives

Who is the team behind Alixco?

We are an international team with experts from Europe and Asia. It is out priority to make sure you have a smooth experience and we put all our effort into building your favourite financing & investment platform.

What happens to my money in case something happens to Alixco e.g. bankruptcy?

Your money is securely placed in a Trust account with a major Malaysian bank. Alixco has a living will in place for this scenario so that you will get back your money.

In the unlikely event that Alixco ceases operations due to insolvency or other circumstances, a Business Continuity Plan will be activated to ensure investors' interests are protected.

Under a "Living Will" agreement, Alixco has appointed Crowd Tech Nominee Sdn Bhd as the Inheriting Partner to take over all outstanding investment obligations. This means:

The Inheriting Partner will continue managing investment notes, collection services, and recoveries on behalf of investors.
Late payments and outstanding amounts will still be collected and redistributed until all obligations are fulfilled.
Investors' funds and repayments remain safeguarded under the nominee structure.
This ensures that in the event of Alixco's closure, all live investment notes will continue to be administered efficiently, with recovery processes carried out as needed.