Secure, Swift, Simple

We are here to improve your cash flow. We provide shariah compliant financing that allows SMEs and working individuals to receive their funding safely and quickly.

Meet Orpheus

Our goal is to ensure small businesses and working individuals have swift access to cash.  Delayed financing can come at a heavy expense, and we strive to solve this universal problem by providing instant financing that will improve you and your business’ cash flow management.

Built to Help you grow

Take back control of your cash flow management. We understand that waiting for payments holds your business back and we strongly disagree that is the way to go about in this competitive economy. We also empathize with those who need personal financing in this pandemic economic climate when their salary is insufficient for their personal necessities.

“That is why Orpheus was created, so that you can sit back and relax, focusing on your business and daily routines while we handle the cash flow management.”

Orpheus has been granted the esteemed Malaysia Digital (MD) Status from the Ministry of Multimedia & Communication. We’re honored to have been a part of the chosen group to be trusted with the opportunity to contribute to the progression of Malaysia’s Digital Economy.

As one of the Malaysia Digital Economy Corporation’s top 30 Islamic Digital Economy companies, we aim to continue to drive digital innovations within the industry to new heights and bring operational efficiency to our clients and consumers.

Our Vision

Orpheus strives to be a pioneer in providing Fast, Secure and Simple financial assistance via our digital platform to nurture and encourage economic growth for the underserved and unserved community.

Our Mission

To become a significant player in providing Shariah compliant financial solutions for working individuals and SMEs market in the region.

What We do ?

  • We provide flexible financing to labelled as underserved and unserved individuals and SMEs through a fully digital line of financing.
  • We aim to help our borrowers overcome the financial obstacles within our society, delivering insight and assistance to those who are often turned away by traditional financial institutions.
  • It is Orpheus’ priority to ensure our financing facilities are always Shariah compliant – from the application process all the way through to the disbursement of payment, especially for our valued customers. 

Where else can you find us ?

TM UnifiBiz


How Orpheus Outperforms Traditional Financing


Conduct your transactions with peace of mind utilizing our reliable and safe systems


Receive your financing within 48 hours


Finance your business in just a few clicks with our seamless process flow

Facilities and Services


Contract Financing

Invoice Financing

Process Flow

Watch this video to guide your application

Our Financing Impact since 2021


Repaid Ah Longs/ Loan Sharks Debt


Repaid Utility Bills




New Income Generated by SMEs


Jobs created for SMEs

Some of our clients

Our Tech

Unique Scoring System

Unique algorithm systems to help you achieve better credit scores for quicker financing approval.

Internal Control System

Our systems protect the integrity of our facilities to ensure the efficiency of our operations.

CRM System

Customer Relationship Management to ensure we are serving our borrowers to the best of our abilities.

Fully Automated Debt Collection

We handle your repayments for your ease of mind.

Automated Contract Signing

Digitally sign the necessary documentation for your convenience.

Advanced eKYC

e- Know Your Customer Identification process completed in 4 simple steps

Fraud Mitigation System

To eliminate any risk of losses and frauds for your safety.

Reporting & Analysis Modules

Regularly reflecting on our practices in order to improve our services to you.

Featured On

Our Team


Co-founded Orpheus, an impact-led financing business with a social conscience, with a mission to lend a helping hand to the SME business sector and individuals much in need of quick and uncomplicated access to capital.


He has over 20 years’ experience in various capacities and industries. Hamudi is a Board member of the London-based World Hajj and Umrah Conventions as well as Treasurer at the Bumiputera Export Association (MyGerak). He has been awarded ‘Top 10 CEO’ by SME @ University Executive Development Program 2016.


Experienced professional with demonstrated history of over 20-years working in the information technology and services industry. Skilled in Business Development Strategy, Business Transformation, Professional Services, and Software as a Service (SaaS) platform. Strong technical & technology background with a Bachelor of Science (B.Sc.) focused in Electrical and Electronics Engineering from the University of Tulsa.


He holds a Master of Comparative Laws from International Islamic University Malaysia. Ustaz Khairul is also a Certified Shariah Advisor with over fifteen (15) years Islamic banking experience (local and foreign based banks) and also a seasoned author with 5 books published. He is the first and only Malaysian ever recorded the full recitation on the holy Quran.


General FAQs

Orpheus Capital is a fully digital Shariah compliant financing company with the primary focus of providing financing solutions to assist in the economic development of working individuals and the underserved and unserved SMEs businesses.

Orpheus offers three types of services – which are invoice financing, contract financing and payday financing (GajiNow). All our products are Shariah compliant and conform to Islamic principles. Invoice and Contract Financing will assist the SMEs in minimising their cash-flow gaps.

Our services can be used by anyone as long as they are SME’s (for invoice and contract financing) or employees/gig workers (for payday financing).

For SMEs, you are eligible to apply if:

  1. Your business is a Malaysian registered business (including sole proprietor, enterprise, and Sdn Bhd);

  2. Your business is providing services or goods to other Malaysian businesses (Business-to-Business nature)

  3. Your business is majorly owned by Malaysians (more than 51%) and has been in operation for at least 1 year.

Between 1.0% and up to 1.5% per month subject to our credit assessment result.

No tangible security or collateral is required from you. 

The entire process is completed within 24 – 48 hours including disbursement.

No, you do not. All transactions are done fully online. You are only required to sign digitally using our Digital Signature technology. 

Using our website application couldn’t be simpler. You simply follow the along the registration forms, upload all the details and documents needed. Once your application is approved, you will receive your funds within 24 – 48hours.

You can always reach us through email or phone call and our customer care team will be at your service promptly. 

We use automated solutions in all our workflows to increase our efficiency and by utilising an advanced AI, we are able to execute the financial assistance services that SME’s need and deserve.

We can assure you all our products are compliant to Shariah and Islamic principles. We have a prominent Shariah scholar advising us on the products and services. All our legal agreements have been vetted, reviewed and approved by a reputable Shariah scholar as well as a top legal firm in the country.

Contract / Invoice Financing FAQs

Invoice financing is a cash flow solution that enables businesses to get advances on money owed by customers upon completion of goods or rendered services, without waiting for the delays of payment terms that can range from 30 days to 90 days.

Invoice Financing is suitable in the case of a business deciding to sell their invoices (upon completion of goods or rendered services) to a third party, a Financing or Factoring company at a discount, such as to Orpheus. Orpheus then takes over the task of collecting the receivables by the predetermined deadline. With Invoice financing, you can get instant upfront payment of up to 80% of the invoice amount without having to wait for the payment terms from your customer.

For invoice financing, up to 80% of the invoice value will be disbursed into your bank’s account as quickly as within 24-48 hours.

Maximum up to 80% of invoice or contract value. We are able to offer financing beginning from RM10,000 (minimum) and up to RM 200,000 (maximum). The tenure of the facility is up to 6 months or 180 days.

Apart from the cost of financing, there is a one- off platform fee (one-time platform fees of 1.5% of invoice/contract value) and an admin fee (RM 750 one-time). 

There will be a late payment fees incurred and all the additional amounts will be donated into charities.

8 documents are required to be prepared by you for the Invoice Financing application, which are : 

  • Your bank statements of the last 3 months
  • Photocopy of IC
  • Joint and Several Guarantee 
  • Director’s Resolution
  • Letter of Factoring
  • Letter of Consent
  • Invoice
  • Facility Agreement

and the rest of the documents are digitally prepared by our platform.

Yes, the platform will send a notification via email informing them on the arrangement of payment assignment to Orpheus.

GajiNow FAQs

Contract workers (Local and Foreign) with a minimum salary of RM1200 are eligible.

i)  Photocopy of Identification Card (front + back view)

ii)  Payslips from the past 3 months

iii) *For non on-boarded employers – Undertaking Letter from your employer.

A maximum of 50% of gross monthly salary between RM 500- RM 2000. The tenure can range from 15-30 days.

There is a platform fee of RM7.50 and an admin fee from RM35-RM95 (calculated based on our unique credit scoring algorithm)

Nope! Our entire process is done digitally.

Yes there is a late payment fee of 1.5% of the outstanding amount, which we will be donating to charities.

We make the process of receiving quick cash simple without the delayed hassles of traditional banking and without risking your safety which happens with Ahlongs. Minimal documents are required and you receive your cash for your emergencies within 24 hours!

We can guarantee your personal data is kept secured, as we are licensed with the Certification of Personal Data Protection.

We process your financing under 5 Minutes!

Shariah Compliant Cash Flow Solutions for SMEs & Individuals


 C-4, Taman Tunku, Off Jln Langgak Tunku, Bukit Tunku, 50480 Kuala Lumpur, Malaysia.


© 2023 Orpheus Capital • All rights reserved • Malaysia