KUALA LUMPUR (29 July): The peer-to-peer (P2P) financing industry has seen a new participant following the soft launch of Abundance Dynamic Securities (ADS) by Abundance Treasures BGroup Sdn Bhd.
Abundance Treasures BGroup is registered with the Securities Commission Malaysia (SC) as a recognised market operator for P2P financing.
ADS specialises in asset-backed guaranteed financing and aims to connect eligible mid-tier companies (MTCs) with investors through a secure, transparent and technology-driven platform.
Six separate memoranda of understanding (MOUs) were signed during the soft launch event held on July 27. The organisations involved were Koperasi Tenaga Nasional Bhd, Scrut Auto Sdn Bhd, Finzwerk Management, Stocktalk Holding Sdn Bhd, Pam Biz Financial Sdn Bhd and Hakem Arabi & Associates.
Under the SC's Catalysing MSME and MTC Access to the Capital Market: 5-Year Roadmap (2024-2028), MTCs are defined by annual sales turnover. An MTC in the manufacturing sector has an annual sales turnover of RM50 million to RM500 million while those in the services and other sectors have an annual sales turnover of RM20 million to RM500 million.
"MTCs are important contributors to Malaysia's economy but their financing needs may not be fully served by existing channels. ADS provides eligible companies in this segment with an additional regulated financing option that reflects their scale and business needs," said Lai Heow Gran, general manager of Abundance Treasures BGroup.
Citing the SC, the press release states that Malaysia has approximately 8,500 MTCs.
As these MTCs take on larger contracts and pursue expansion plans, they often need to commit capital well before receiving payment from customers. This places pressure on cash flow, especially when project timelines are long and significant funds are tied up in equipment and operating costs. At the same time, these businesses may also face challenges in accessing funding.
The SC's Annual Report 2025 shows that P2P platforms raised RM2.83 billion last year, with 98% of fundraising directed towards working capital — partly demonstrating the relevance of P2P financing to the practical funding requirements of growing businesses.