Connecting Growth With Smart Capital

Mutually benefitting thousands of businesses and investors that has adapted to P2P Financing.

Overview of P2P Financing Market in Malaysia

128176

Successful Campaigns for Businesses

9.08

Amount Raised from Crowd Investors

14017

Successful Issuers

Up till June 2025, Source: sc.com.my

Unlock the potential with your invoices

While waiting for your customers’ payments, turn your invoices into cashflow instantly and ethically.

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Finance Government Contracts via SARANA

From project kick off to invoice payout, access the capital you need at the right time.

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Stay Covered Without Draining Your Cash

Secure full insurance coverage to protect your business with pre-approved financing plan

Takaful Financing Insurance Financing

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Securities Commission Malaysia

Grow Your Wealth the Halal Way with Cofundr.

You’ve built your income. Now it’s time to grow it with purpose.

Explore Financing with Cofundr.

Let’s crowd finance the funds needed to achieve your business goals.

About P2P Crowd Financing

P2P (Peer-to-Peer) Crowd Financing offers qualified Micro, Small, and Medium Enterprises (MSMEs) the option to ‘Crowd Fund’ the financing required by connecting them with potentially thousands of investors via an online platform. With this option, MSMEs can now secure the working capital that they need through an alternative source. Meanwhile, investors get risk-adjusted returns by choosing to support the businesses in line with their core values.

Mengenai Pembiayaan Orang Ramai

Pengendali Pembiayaan Orang Ramai P2P (Peer-to-Peer) menawarkan kepada Perusahaan Mikro, Kecil dan Sederhana (PMKS) yang berkelayakan, untuk mendapat dana dari orang ramai (dan institusi-institusi) dengan cara menghubungkan mereka dengan ribuan pelabur-pelabur yang berpotensi melalui platform digital atas talian. Melalui pilihan ini, PMKS kini boleh mendapatkan modal kerja dan belanja modal yang mereka perlukan melalui sumber dana alternatif P2P. Sementara itu, pelabur-pelabur akan mendapat pulangan terlaras risiko dengan memilih untuk melabur berdasarkan tahap selera risiko masing-masing.

How does peer-to-peer financing work?

Peer-to-peer financing is a fairly straightforward process. All the transactions are carried out through Recognized Market Operators of online P2P Crowd Financing platforms registered with Securities Commission Malaysia.

Application

A potential company interested in obtaining financing completes an online application on the peer-to-peer financing platform.

Permohonan

Syarikat yang berminat untuk mendapatkan pembiayaan perlu melengkapkan permohonan atas talian pada platform digital pembiayaan peer-to-peer

Assessment

The platform assesses the application and determines the risk and credit rating of the applicant. Then, the applicant is assigned the appropriate interest or profit rate.

Penilaian

Platform digital menilai permohonan dari syarikat yang berkenaan dan menentukan risiko dan penarafan kredit pemohon. Kemudian, pemohon diberikan kadar faedah/keuntungan yang bersesuaian.

Crowdfund

When the application is approved, the financing requested is offered as an investment to (registered) investors on the platform based on the credit rating and assigned interest or profit rate.

Pembiayaan Orang Ramai

Apabila permohonan diluluskan, pembiayaan yang diminta ditawarkan sebagai pelaburan kepada pelabur yang berdaftar di platform digital berdasarkan penarafan kredit dan kadar faedah/keuntungan yang ditetapkan.’

Disbursement

If the investment¹ is fully subscribed, the funds are disbursed to the applicant upon completing the documentation process.

All Investors’ funds are held in Trust Accounts and is managed by a licensed Trustee

Pengagihan

Jika pelaburan telah dilanggan sepenuhnya (minima 80%), dana akan diagihkan/pindahkan kepada pemohon/penerbit setelah menyelesaikan proses dokumentasi dan pemohon memenuhi semua syarat-syarat yg ditetapkan.

Semua dana pelabur disimpan dalam Akaun Amanah dan diuruskan oleh Pemegang Amanah berlesen

Returns

Thereafter, the applicant pays periodic (usually monthly) interest/profit and principal payments throughout the agreed financing tenure until its completion.

Pulangan

Selepas itu, pemohon/penerbit akan membayar faedah/keuntungan dan bayaran pokok berkala (bulanan atau pada tarikh matang) seperti yang dipersetujui sehingga selesai.

Mutually benefitting thousands of businesses and investors that has adapted to P2P Financing.

Overview of P2P Financing Market in Malaysia

128176

Successful Campaigns for Businesses

9.08

Amount Raised from Crowd Investors

14017

Successful Issuers

Up till June 2025, Source: sc.com.my

Trusted by SMEs and Investors

Investor

SMEs

Getting returns every month, irrespective of note tenure, has added a steady side income for me. Cofundr made it hassle-free!

Serena Chan

1st time investor

Saya mendapat pulangan saya setiap bulan tanpa perlu menunggu tempoh Nota Pelaburan yang saya laburkan berakhir. Sangat bagus sebagai pendapatan sampingan!

Serena Chan

Pelabur kali pertama

I started with RM100 and was surprised by the experience. Cofundr builds trust quickly by being selective with who they work with. It gave me the confidence to reinvest.

Alex Tan

1st time investor

Saya mendapat pulangan saya setiap bulan tanpa perlu menunggu tempoh Nota Pelaburan yang saya laburkan berakhir. Sangat bagus sebagai pendapatan sampingan!

Alex Tan

Pelabur kali pertama

Saya mendapat pulangan saya setiap bulan tanpa perlu menunggu tempoh Nota Pelaburan yang saya laburkan berakhir. Sangat bagus sebagai pendapatan sampingan!

eSolved MSC Sdn Bhd.

Pelabur kali pertama

We appreciate Cofundr’s approach of pairing quality businesses with investors like us who seek better returns. The opportunities feel thoughtful, not rushed, and that makes all the difference.

eSolved MSC Sdn Bhd.

Corporate Investor

Cofundr’s factsheets are clear and easy to understand, no hidden charges just transparency. That clarity gives me confidence and makes Cofundr my go-to platform for long-term investing.

Olivia Ng

Long-term Investor

Saya mendapat pulangan saya setiap bulan tanpa perlu menunggu tempoh Nota Pelaburan yang saya laburkan berakhir. Sangat bagus sebagai pendapatan sampingan!

Olivia Ng

Pelabur kali pertama

With a fixed principal, I consistently roll my funds through short tenure, Shariah-compliant notes, earning up to 1.50% monthly, or around 16% p.a. It’s a smart way to grow without locking up long-term capital.

Shah Ridzuan

3 Year Investor

Cofundr surprised me with terms tailored to my company's performance, providing a comfortable and flexible tenure. The working capital obtained through this P2P lending platform enabled us to achieve our targets. Cofundr's easy application system makes it a great platform for business crowd financing.

Palm Oil Logistics Experts

NOTE WC1507

Saya terkejut apabila mendapati syarat-syarat Cofundr boleh memenuhi keperluan syarikat saya; ia bermanfaat kepada saya dan saya selesa untuk meneruskan permohonan. Selain itu, tempoh perkhidmatan adalah fleksibel untuk memenuhi keperluan kami. Modal kerja yang diperoleh melalui pembiayaan orang ramai membolehkan kami mencapai sasaran kami. Bahagian yang terbaik ialah sistem aplikasi Cofundr adalah mudah dan ia merupakan platform yang hebat untuk membiayai perniagaan kami.

Palm Oil Logistics Experts

Nota WC200008

During the pandemic, we needed urgent support to keep our gig driver network alive. Cofundr didn’t just fund us. They understood our model and backed us when it mattered most. That support helped us grow into a reliable logistics partner for brands like Shopee and Ninja Van, delivering first-mile, last-mile, and parcel sorting services. We wholeheartedly recommend Cofundr to other SMEs.

Delivery Specialists

NOTE IIF1960

Delivery Specialists

Nota WC200008

Linen Medicare Suppliers

Nota WC200008

Having a vision for our company comes with inevitable obstacles. Faced with working capital deficiency during expansion, we explored P2P lending and discovered Cofundr. Cofundr's competitive rates, straightforward application, and suitable term make it a standout choice. If you're an SME seeking short-term loans, we highly recommend Cofundr.

Linen Medicare Suppliers

NOTE WC1717

Insurance is essential in our line of work, but the upfront cost often strains our cash flow. Cofundr’s premium financing gave us full coverage instantly while allowing us to repay over six months. It kept our projects compliant and moving without delay.

The Site Builder

NOTE IPF1104

Getting returns every month, irrespective of note tenure, has added a steady side income for me. Cofundr made it hassle-free!

Serena Chan

1st time investor

Saya mendapat pulangan saya setiap bulan tanpa perlu menunggu tempoh Nota Pelaburan yang saya laburkan berakhir. Sangat bagus sebagai pendapatan sampingan!

Serena Chan

Pelabur kali pertama

I started with RM100 and was surprised by the experience. Cofundr builds trust quickly by being selective with who they work with. It gave me the confidence to reinvest.

Alex Tan

1st time investor

Saya mendapat pulangan saya setiap bulan tanpa perlu menunggu tempoh Nota Pelaburan yang saya laburkan berakhir. Sangat bagus sebagai pendapatan sampingan!

Alex Tan

Pelabur kali pertama

Saya mendapat pulangan saya setiap bulan tanpa perlu menunggu tempoh Nota Pelaburan yang saya laburkan berakhir. Sangat bagus sebagai pendapatan sampingan!

eSolved MSC Sdn Bhd.

Pelabur kali pertama

We appreciate Cofundr’s approach of pairing quality businesses with investors like us who seek better returns. The opportunities feel thoughtful, not rushed, and that makes all the difference.

eSolved MSC Sdn Bhd.

Corporate Investor

Cofundr’s factsheets are clear and easy to understand, no hidden charges just transparency. That clarity gives me confidence and makes Cofundr my go-to platform for long-term investing.

Olivia Ng

Long-term Investor

Saya mendapat pulangan saya setiap bulan tanpa perlu menunggu tempoh Nota Pelaburan yang saya laburkan berakhir. Sangat bagus sebagai pendapatan sampingan!

Olivia Ng

Pelabur kali pertama

Shah Ridzuan

3 Year Investor

Palm Oil Logistics Experts

NOTE WC1507

Palm Oil Logistics Experts

Nota WC200008

Delivery Specialists

NOTE IIF1960

Delivery Specialists

Nota WC200008

Linen Medicare Suppliers

Nota WC200008

Linen Medicare Suppliers

NOTE WC1717

The Site Builder

NOTE IPF1104

Leveraging on Fintech to assist SMEs in managing risks with Insurance

General Insurance helps to protect businesses from the financial impact, whether it’s big or small. However, the statistics remained the same year after year that around 50% of SMEs are uninsured and for those that are insured, 85% of them are underinsured.

Due to the lack of insurance coverage, many SMEs have suffered tremendous losses and would have no way to be compensated because they were uninsured. As such, Cofundr is on a mission to get the uninsured SMEs insured through the KitaCover campaign. This campaign promotes the education and awareness of insurance among SMEs and is supplemented with a Pre-approved Insurance Premium Financing plan provided by Cofundr to assist with affordability.

And as part of our commitment to the SME community, Cofundr will fully subsidise the financing costs of any uninsured SMEs that are getting insurance for the first time under the campaign. This is a limited time offer, so please register your interest today!

*terms and conditions apply

Find out more about KitaCover