Malaysia

Instant Business Financing for Malaysian SMEs

Get up to RM100,000 in as fast as 48 hours. 100% Shariah-compliant, zero interest and no collateral.
Get Started

Pay-As-You-Sell AdvanceTM

A frictionless line of credit for Malaysian e-Commerce and Food & Beverages SMEs.
We assess your credit limit based on your sales performance. Credit limit will increase as your sales grow.

Credit Limit Up To RM100,000

Or up to10 weeks of sales. Credit limit will be assessed based on your sales performance.

Instant Decision

Complete your advance request in under 5 minutes. No long forms, back and forth process. Get funds in less than 48 hours.

One-Time Fee, No Interest

There are no late fees or interest charges that rack up on you. You are charged a one-time fee and nothing else. No surprises.

Automated Repayments

We will automatically deduct your repayment amount from your future sales. No hassle. No stress. No anxiety.

Pay Back As Share of Sales

You can set the share of future sales that you wish to pay us back with. Your choice.

Who We Work With

Genuine Insights
From Our Merchants

Additional Product Information

Everything you need to know about the product
General Information
Name of Product
Pay-As-You-Sell Advance
Financing Type
Shariah
Available Amount
Up to 10x of Weekly Sales; Max RM100,000
Tenure
Up to 24 weeks
Charges
Interest
No Interest
Platform Service Fee
Up to 1.5% applies only upon drawdown
One-Time Fee
Up to 7%
Other Charges
Stamp Duty of 0.5%
Late Fees
None
Early Repayment Charges
None
Disbursement Details
Disbursement Method
Direct to Bank Account
Disbursement Time
Up to 48 Hours
Disbursement Amount
The selected amount; Fees are NOT deducted but added to the repayment amount
Repayment Type
Automatic; % of sales
Repayment Frequency
Every Settlement

Who is Seedflex

We are a Fintech company headquartered in Singapore. 
‍
Seedflex Capital Sdn Bhd is certified by our Shariah Advisors to offer Pay-As-You-Sell Advance as a Shariah-compliant product in Malaysia.

The Pay-As-You-Sell Advance is based on the Tawarruq (Commodity Murabahah) concept, and the underlying transactions comply with applicable Shariah requirements.