FOCUS ON YOUR BUSINESS. LET US COVER YOUR INVOICES!
SME Invoice Financing From RM10,000 Up To RM200,000.
Fully Shariah, Flexible Payment & 100% Digital.
Financing up to 80% of the Invoice Value
Minimal Services Cost
Shariah-Compliant, No Riba’
What Is Invoice Financing ?
Also known as accounts receivable financing, invoice financing is a financial service that allows businesses to borrow money against their outstanding invoices. This can provide quick access to cash, improve liquidity and support business operations.
How Does Invoice Financing Work ?
Issue Invoices:
A business sells goods or services and issues invoices to its customers with payment terms (e.g. net 30 days, net 60 days).
Select Invoices for Financing:
The business selects specific invoices it wants to use for financing and submits them to Orpheus.
Advance Payment:
We provide an advance on the invoice amount, typically 70-80% of the invoice value. This provides immediate cash flow to the business.
Assigment Payment:
The business will assign the payment of invoice from client to Orpheus as the Financing Company, usually within the agreed-upon terms.
Final Settlement:
Once the client pays the invoice, we deduct your total financing inclusive of service fees and remit the remaining balance to the business.
Required Documents
- Digital copy of all Director’s Identification Card (front + back view)
- Latest 6 Months Business Account Statement
- Invoice to client
- The following documents need to be completed and uploaded to our platform :
- Joint and Several Guarantee – All Directors and Shareholders
- Director’s Resolution
- Letter of Assigment / Deed of Assigment
Terms Of Financing
- Margin of Financing: Up to 80% of invoice value
- Financing Amount: From RM10,000 up to RM200,000
- Tenor of Financing: Up to 90 days
- Not involved with AMLA
Apply Online In 10 Steps
- Register and verify your company account via email.
- Apply for Invoice Financing.
- Digitally upload your business information and documentation.
- Get deed of assignment signed by client.
- Confirmation on application from Orpheus within 24 hours.
- You will receive an email upon approval and you are required to accept/decline the offer from the portal.
- Fill in the impact assessment page.
- Sign the Facility Agreement received via email.
- You will receive an email once the fund is successfully disbursed.
- You’ve got your Invoice Financing!
Benefits of Invoice Financing.
Improved Cash Flow :
Immediate access to funds otherwise tied up in unpaid invoices helps businesses manage cash flow and meet operational expenses.
Flexibility :
Unlike traditional loans, invoice financing can be used as needed, without long-term commitments or fixed repayment schedules.
Growth Support :
Businesses can leverage invoice financing to seize growth opportunities, such as taking on larger orders or expanding operations, without waiting for customer payments.
No Debt :
Since invoice financing is not a loan, it does not add debt to the business’s balance sheet. It’s essentially an advance on money already owed.
Maintaining Ownership :
Businesses can secure financing without giving up equity or ownership stakes.
Get Paid Faster From Your Invoice. You Deserve It !
Our Partners
