Invoice financing lets businesses unlock cash from unpaid invoices immediately, rather than waiting out customer payment terms that can stretch anywhere from 30 to 180 days. You submit your invoice to us, we advance you up to 80% of its value, and your customer pays us directly when the invoice is due.

We assess financing based on your customer's creditworthiness, not just yours. This means businesses with strong buyers but limited credit history can still access funding. We also offer both Shariah-compliant and conventional financing options to suit your business needs.

You can finance your invoices for up to 120 days.

We advance up to 80% of your invoice value, with financing available from as low as RM1,000 up to RM3,000,000. Tenure ranges from 30 to 120 days.

Processing fee: Up to 4% of your approved facility limit (one-off, charged once)

No hidden charges. No early settlement penalty.

Click the Apply Now button, complete the online form, and upload your supporting documents. Our team will review your submission and come back to you within 5 business days.

You will need:

1. Company registration documents (SSM)

2. Latest 6 months' bank statements

3. Latest financial statements (if available)

4. NRIC copy of directors / guarantors

From submission to approval, the process typically takes 5 business days, and up to 2 weeks depending on document completeness. Make sure all required documents are submitted together to avoid delays.

Existing clients receive advances within 48 hours of invoice submission. New clients go through a one-time onboarding process of approximately 5 working days before the same 48-hour turnaround applies.

Late payment charges apply as follows:

• Shariah financing: 10% per annum

• Conventional financing: 0.1% per day

We encourage clients to reach out early if they anticipate any payment difficulties.

Yes. There are no penalties for early settlement. You can repay your financing at any time without additional charges.

You likely qualify if your business:

• Is registered in Malaysia (Sole Prop, Enterprise, or Sdn Bhd)

• Has at least 51% Malaysian ownership

• Has been operating for at least 1 year

• Sells goods or services to other Malaysian businesses on credit terms (B2B)

• Serves mid-to-large corporations

Not sure? Submit anyway — we review every application on a case-by-case basis.

Yes. Once you make a partial settlement, your available facility limit is replenished accordingly. Contact our team to initiate the top-up process.

We will contact you via the email and phone number provided in your application once a decision has been made. Ensure your contact details are accurate when submitting.