adminKuala Lumpur, Malaysia – February 6, 2026 – microLEAP’s ability to operationalise SARANA is underpinned by its broader platform performance, which reflects growing confidence among both businesses and investors in regulated peer-to-peer (P2P) financing.
In 2025, microLEAP disbursed RM295 million across 341 Investment Notes, bringing total financing disbursed since inception to RM545 million, while maintaining a default rate of 0.30%, the lowest recorded by the platform to date. The year also recorded over 135% year-on-year growth in financing disbursed compared to 2024 signalling sustained investor participation and strengthening portfolio quality.
This positions microLEAP as a gauge for the maturity and reception of P2P financing in Malaysia. As the Securities Commission Malaysia continues to highlight the expanding role of P2P in supporting locally incorporated businesses, microLEAP’s track record demonstrates how disciplined credit assessment, active monitoring, and structured programmes can translate regulatory intent into tangible economic outcomes.
In this context, SARANA represents not just a financing programme, but proof of how P2P financing can be integrated responsibly into national procurement and SME funding frameworks.
Against this backdrop, microLEAP is reinforcing awareness of SARANA, a financing scheme designed to support local contractors and SMEs executing Federal Government projects awarded through the e-Perolehan system. While government contracts provide certainty of work, execution-stage cash flow remains one of the most significant challenges faced by contractors, particularly during mobilisation, procurement, and payment of subcontractors while navigating government payment cycles.
Historically, contractors have relied largely on traditional banking facilities and factoring arrangements to bridge these gaps. While established, these options are often slower to deploy, documentation-heavy, and priced at higher profit rates, especially for short-tenor or contract-based financing. This has resulted in a persistent disconnect between secured project awards and timely access to working capital, particularly for smaller contractors.
SARANA addresses this structural gap by formally incorporating regulated P2P financing into the government procurement funding ecosystem or e-Perolehan. By recognising P2P as part of the approved financing landscape, SARANA expands funding options available to contractors and introduces a faster, more digital, and execution-aligned route to working capital. This inclusion marks a meaningful shift, where P2P financing moves beyond being an alternative option to becoming an integrated component of project delivery support.
Under SARANA through microLEAP, eligible contractors can obtain financing of up to RM1.5 million with tenors of up to 12 months, structured to support pre-invoice, post-invoice, and contract financing needs. The programme carries a profit rate of up to 1.25% per month, positioned at the competitive end of Government contract-backed financing. More critically, SARANA’s strength lies in its structure, where financing eligibility is anchored to verified government contracts, clear payment terms, and standardised documentation such as the Notice of Assignment and Deed of Assignment. This reduces friction for legitimate contractors while providing clarity and confidence for investors.
Tunku Danny Nasaifuddin Mudzaffar, Founder and CEO of microLEAP, said the execution stage remains the most critical pressure point for many government contractors, despite having secured confirmed projects. “Winning a contract is only the starting point. The real challenge comes when businesses need to mobilise resources, manage cash flow, and deliver on tight timelines while awaiting payment cycles,” he said.
He added that SARANA was designed to respond directly to this gap by offering a financing option that is faster, more practical, and aligned with how projects are actually executed. “Our performance demonstrates that P2P financing, when structured responsibly and governed with discipline, can support businesses at scale while maintaining strong portfolio quality and investor confidence.”
Applications for SARANA financing are open to eligible contractors via microLEAP’s dedicated portal – sarana.microleapasia.com/login.
