Waiting on slow bank approvals can stall good businesses. OCTIS connects you to Malaysia's licensed P2P financing platforms, helps you package a strong application, and matches the right facility to your cash-flow rhythm. AI surfaces the best-fit options; our advisors guide the terms so you borrow smart, not just fast.
Platform matching: We map your needs across Malaysia's licensed P2P platforms and surface the facilities most likely to fund you.
Application packaging: Financials, cash-flow data and business story assembled into a clean, fundable submission that investors trust.
Cash-flow fit: Repayment structures matched to your receivables and seasonal cycles, so instalments never choke working capital.
Eligibility review: An honest read on what you qualify for before you apply, so you don't waste time on rejections.
Terms guidance: Advisors explain rates, fees and tenure in plain terms, so you compare offers on a like-for-like basis.
AI option ranking: AI scores available facilities against your profile and ranks them, so you focus only on realistic options.
Found cheaper? We match it. Backed by a 30-day money-back guarantee.
Working capital that moves at your pace
Tap regulated peer-to-peer financing platforms for flexible funding, matched to your cash-flow cycle and structured by advisors who know the terms.
Quote-based — pay for the volume you actually have.
- Regulated
- SC-registered platforms
- Flexible
- Matched to cash flow
- Guided
- Advisor-supported
What’s included
Everything P2P financing covers
Waiting on slow bank approvals can stall good businesses. OCTIS connects you to Malaysia's licensed P2P financing platforms, helps you package a strong application, and matches the right facility to your cash-flow rhythm. AI surfaces the best-fit options; our advisors guide the terms so you borrow smart, not just fast.
Platform matching
We map your needs across Malaysia's licensed P2P platforms and surface the facilities most likely to fund you.
Application packaging
Financials, cash-flow data and business story assembled into a clean, fundable submission that investors trust.
Cash-flow fit
Repayment structures matched to your receivables and seasonal cycles, so instalments never choke working capital.
Eligibility review
An honest read on what you qualify for before you apply, so you don't waste time on rejections.
Terms guidance
Advisors explain rates, fees and tenure in plain terms, so you compare offers on a like-for-like basis.
AI option ranking
AI scores available facilities against your profile and ranks them, so you focus only on realistic options.
How it works
Set up once, then it just runs
- 1
Share your numbers
Connect your accounts or share financials. We assess how much working capital you need and can realistically secure.
- 2
We match platforms
AI and advisors shortlist the licensed P2P platforms that best fit your profile and funding goal.
- 3
We package and apply
We prepare a clean application with the right documents and submit to your shortlisted platforms.
- 4
Fund and repay smartly
Funds reach your account and repayments stay aligned to your cash flow, tracked inside OCTIS.
Pricing
Pay for the help, not the hassle
Our advisory fee is quote-based on facility size and complexity. AI and automation handle the matching and paperwork, so we run lean and pass the savings on. Talk to our expert for a tailored quote.
Get a quote built around your business
Tell our expert a little about your volume and we’ll send a clear, fixed monthly quote — no obligation.
Why run P2P financing on OCTIS
Faster than the bank queue
Licensed P2P platforms move quickly, and a strong package gets you to a decision sooner.
Borrow that fits your cycle
Repayments matched to receivables, so financing supports growth instead of straining cash.
Advice you can trust
Real advisors guide the terms; AI does the matching, so decisions stay informed.
Frequently asked
How is the price worked out?
Our advisory fee is quote-based on the facility size and complexity of your application. Platform rates are set by the lenders. Talk to our expert for a tailored quote and an honest view of likely costs.
Are these P2P platforms regulated?
Yes. We work only with peer-to-peer financing operators registered with the Securities Commission Malaysia, so you're borrowing through a supervised, recognised framework.
Will I definitely get funded?
No one can guarantee approval, and we never will. Funding depends on your financials and the platform's criteria. We package your case to give it the best honest chance of success.
How fast can funds arrive?
P2P financing is typically faster than traditional bank loans, often within days of approval. Timing depends on the platform and how quickly your documents are ready.
Part of Capital & Fundraising
Works together with the rest of Capital & Fundraising
Talk to an OCTIS expert about P2P financing
Get answers, a tailored quote and a clear next step — usually within one business day.