General Enquiries

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.
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.
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.
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 500,000 (maximum). The tenure of the facility is up to 6 months or 180 days.
Between 1.0% and up to 1.5% per month subject to our credit assessment result.
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). 
No tangible security or collateral is required from you. 
The entire process is completed within 24 – 48 hours including disbursement.
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 : 
a. Your bank statements of the last 3 months
b. Photocopy of IC
c. Joint and Several Guarantee 
d. Director’s Resolution
e. Letter of Factoring
f. Letter of Consent
g. Invoice
h. 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.
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.

GajiNow Financing: Frequently Asked Questions:

GajiNow financing is a salary advancement service provided to an individual borrower that must be paid back in full or in instalment(s) by the employer when the borrower receives his/her next pay check. The financing amount granted is based on the gross amount of salary the borrower earns for each pay period.
Individuals (permanent and contract staff, local or foreign) with a minimum salary of MYR1,200 are eligible to apply.
a. Photocopy of Identification Card (back and front view)
b. Past 3-month’s payslips 
d. FOR NON ONBOARD EMPLOYERS – Undertaking Letter
All information provided will be uploaded automatically in our platform.
Maximum up to 50% of gross monthly salary. We are able to offer financing from RM500 (minimum), RM1,000 and up to RM 2,000 (maximum). The tenure of the facility can range from minimum 15 days up to maximum 30 days.
We only charge a platform fee starting from RM7.50 and admin fee from RM35 (calculated based on our algorithm)

Yes there is a late fee charged if payments are made past the due date. 

No security or collateral is required. Only your personal guarantee declaration is required as well as approval from your employer for the salary deduction from your next paycheck.
We will notify you via email once your financing is approved within 24 – 48 hours. You may also refer to our digital platform dashboard.
It will be completed within 24 – 48 hours.

SME financing solutions redefined

Contact us

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

Email: [email protected]

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