Shariah-Compliant Financing

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

  • Joint and Several Guarantee – All Directors and Shareholders
  • Director’s Resolution
  • Letter of Assigment / Deed of Assigment

Terms Of Financing

Apply Online In 10 Steps

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 !

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