Invoice Financing is a debt free-way to access cash tied up in your account receivable.It provides cash flow solution for further business opportunities as it unlocks your receivables and turns it into cash the fastest way

Effortlessly Efficient

Start Apply for #InvoiceFinancing!

Your Shariah compliant financing Solution

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Invoice Financing

Get Extra Cash For Your Business Progress! Starting at RM10,000 Up to RM 200,000.

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Documents Required

1.  Your company bank statements for the last 3 months

2.  Photocopy of Director IC

3.  Invoice receipt

Notes: Below document format in system just need to download and update

a.  Joint and Several Guarantee – Director and Shareholder need to sign

b.  Director’s Resolution

c.  Letter of Factoring (put company letter head)

Finance Eligibility

1.  Margin of Financing: Up to 80% of contract value

2. Financing Amount: From RM10,000 to RM500,000

3. Tenor of Financing: Up to 180 days

4.  Does not involve with The Anti-Money Laundering, Anti-Terrorism Financing and Proceeds of Unlawful Activities Act 2001 (AMLA)

The 8 Stages of Digital Process

1. Register and Verify your employee account via email.

2. Apply for Invoice financing.

3. Digitally upload your information and documentation.

4. Waiting for admin approval estimate time 24 hours max.

5. You will received a email and required to accept/decline the offer from the dashboard.

6. Sign Facility Agreement.

7. You will receive email once the fund is successfully disbursed.

8. You’ve got your Invoice Financing!

Onboarded Paymasters

Orpheus has on-boarded numerous paymasters including public listed companies and universities. Here are some of the companies that are already receiving our services, and we would be delighted to have you joining us too!


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 500,000 (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.

We process your financing under 5 Minutes!

Shariah Compliant Cash Flow Solutions for SMEs & Individuals



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