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Purchase Financing
Investor Perspective

What would you like to know?

What is Purchase Financing?

Purchase financing is a 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.

What are the terms of this product?

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

How is my return being determined?

Return to Investor is derived from:

Actual interest received* (including late penalty interest, if any) from Issuer
Investors’ interest sharing ratio, currently fixed at 70%


  • Interest is charged to Issuer for the principal sum of each repayment instalment from disbursement date to actual repayment date
  • Pricing determined based on risk grading assigned to Issuer with investment sharing ratio of 70%/30%

What is my risk of investing in this product?

The Issuers for purchase financing are subject to the same rigorous due diligence and credit assessment process.

Nonetheless, as with any investment products, you risk losing your capital when investing the Issued Notes through the Platform. The risk presents itself when the Issuers are not able to fulfil their financial obligations to the investors; may it be due to their internal management problem, or external circumstances such as changing rules and regulation, business environments, political climate and etc.

In view of this, we remind you to:

  • Read our GENERAL RISK STATEMENT carefully and/or consult your professional advisers to ensure you understand the risk associated
  • Practice good investment habits by investing within your financial means and affordability;

Please click here to know more the Investor on-boarding process and and other investment products offered through our Platform.