Scroll to top
Eligibility

ELIGIBILITY

Malaysian-registered company including sole proprietorship and partnership

Minimum RM 1 million revenue per annum

Minimum 2 years in operation

Invoice Financing

Best for: Immediate cashflow needs

Key Features

  • Financing Amount up to RM1 Million

  • Tenure up to 120 Days

  • Financing up to 80% of Invoice Value

  • No collateral needed

Why B2B Finpal?

Registered with Securities Commission

Disbursed RM643.4 million since inception

All funds managed by trustee agency

100% funding success rate

What's next?

Step 1

Step 1

Registration of User Account

Click here to provide us your information and get started! Make sure to have these documents ready. Please allow 2-3 Business Days for us to conduct credit assessment and approve your application.

Step 2

Step 2

Apply Financing

After your registration is completed and approved, you will be able to login to B2B Finpal and submit a request for financing. Approval for financing take as fast as 1 Business Day.

Step 3

Step 3

Receive Funds

B2B Finpal will host the Issue Notes on our platform for investors’ consideration. You may receive funding once campaigns are successfully completed, as early as the next Business Day.

FAQ
Invoice Financing

Invoice Financing allows the SMEs to obtain finance upfront from a third party, backing through expected cashflow from their invoices on products and services delivered. Through Invoice Financing, SMEs do not need to wait until the maturity of credit term and rely on their customers’ payment for invoices for business funding. In this essence, Invoice Financing unlock SMEs’ cashflow that tie-up with receivable invoices, with a small cost in the form of fees and interest charge.

Load More

We accept both E-Invoices generated and issued to major retailers/hypermarkets through our B2B Commerce Web-EDI platform, and hard-copy invoices generated and issued to pre-approved Buyers outside B2B Commerce Web-EDI.

Load More

 

E-Invoices generated within B2B Commerce Web-EDI Hard copy invoices to pre-approved Buyers outside B2B Commerce Web-EDI
Financing Amount Up to 100% of underlying Invoice Amount, in denomination of RM100, and subject to:

  • Minimum invoice amount of RM1,000
  • Available Credit Limit

 

Up to 80% of underlying Invoice Amount, in denomination of RM100, and subject to:

  • Minimum invoice amount of RM5,000
  • Available Credit Limit

 

Financing Tenor 1 month to 4 months depending on the expected due date as derived from the payment term of the underlying Invoice
Disbursement 90% of Issued Note Amount with 10% retained as Reserve Amount, to be used for deduction of processing fee, stamp duty, GST (if any), expense reimbursement, interest and penalty interest. The balance of reserve amount if any leftover, will be refunded to Issuer upon full settlement of the Issued Note.
Repayment Mode Bullet, and full settlement only

Load More

As we keep Reserve Amount upfront on disbursement, all costs and charges (as below) will be paid from the Reserve Amount under normal circumstances.

Processing Fee Up to 1.5% processing fee on Issued Note Amount upon disbursement
Interest Interest rate is ranged from 11.5% p.a. to 17.0% p.a. according to assigned risk grade.
Interest is computed on the Issued Note amount from disbursement date to the actual repayment date.
Other costs / penalties Issuer may make early repayment to save more on the interest. No early repayment penalty will be imposed.
In the event of late repayment, a late penalty interest of 8.0% p.a will be levied on the Issued Note amount for every lateness day in the event such repayment is not repaid within 7 days grace period.

Load More

No asset collateral required. However, personal guarantee(s) from the director(s) / owners may be required.

Load More

The funding period of your Issued Notes are fixed by you when you list the Notes on the platform for Investors’ consideration. Once the Notes are successfully hosted on the Platform, the due date of the Notes will not be shifted in any circumstances. It remains your obligation to settle the Issued Notes promptly by the due date of the Notes, even if your customer is expected to pay late. This is to ensure fairness to Investors who have invested into the Notes based on your risk profile and investment tenor.

Load More

Ready to start
Invoice Financing?

Please fill in the form below and our team will contact you to assist in your application













Invoice FinancingWorking Capital FinancingPurchase Financing


Document Requirement

 

Please fill in the form below and our team will contact you to assist in your application













Invoice FinancingWorking Capital FinancingPurchase Financing