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Malaysian-registered company including sole proprietorship and partnership

Minimum RM 1 million revenue per annum

Minimum 2 years in operation

* This program is also open to all existing issuer of B2B Finpal. Please contact your salesperson for more info

Purchase Financing

Best for: Cashflow needs and business expansion

Key Features

  • Financing Amount up to RM1,000,000

  • Finance up to 100% of invoice value from your suppliers

  • Flexibility to repay by installment or bullet

  • Get approval within 3 working days

  • No collateral needed

Why B2B Finpal?

Registered with Securities Commission

Disbursed RM587.2 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. Just upload invoices from your pre-approved suppliers then apply for financing using the bundle of invoices. 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.

Purchase Financing

Purchase financing is short-term financing provided to customers (“Issuers”) who are in need of funding for their purchase side of supply-chains, enabling the SMEs to take advantage of early payment and volume discounts, thereby increasing their profitability as well as potentially freeing up more credit limit with their suppliers for business expansion.

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Financing Amount

Up to 100% of the total Invoice Amount for the eligible bundled of underlying Purchase Invoices, in denomination of RM1,000, and subject to:

  • Minimum financing amount of RM 10,000
  • Available credit limit

Financing Tenure

30 to 120 days, from date of 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 Structure

Either on Bullet Repayment by maturity date or Monthly Instalment starting from Month 1

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


Processing fee

The processing fee is 0.5% on issued note amount per 30 days financing tenor, with cap rate of 1.5%.

Interest rate

Interest rate is ranged from 12.5%p.a. to 18.0%p.a. according to assigned risk grade.

Interest is computed on the Issued Note amount from disbursement date to the actual repayment date.

No Early Repayment Fee

By repaying early, you will save more on the interest. No early repayment penalty is imposed on early instalment settled.

Late penalties (if any)

A late penalty interest of 8.0% p.a will be levied on the principal amount of each repayment instalment for every lateness day in the event such repayment instalment is not repaid within 7 days grace period.

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No asset collateral required.

However, personal guarantee(s) from the director(s) / owners may be required.

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Ready to start
Purchase 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