Cash advance backed by your sales
Get funding based on your sales, without pledging property or taking on a mortgage. Check your limit in minutes and apply online
Get funding based on your sales, without pledging property or taking on a mortgage. Check your limit in minutes and apply online
Your business is your strength
Use your invoices, inventory, and purchase orders to get financing on fair terms
No property collateral or mortgages
Keep your home and commercial property free. No mortgages, no property charges
Get cash in days, not weeks
Check your eligibility online with your bank statements and SSM records. No waiting weeks for property valuations
Shariah-compliant & Conventional
Choose the cash advance that suits your business, with a Shariah-compliant or conventional option
Asset-Backed, Zero Mortgages
Traditional banks often ask for land or property as collateral. Moby looks at your business instead
- No property needed. Your home, land, and shop stay free
- Backed by your business. We use your invoices, orders, and sales history
- Faster decisions. No property valuations, so no long waits
Get up to 6x cash advance based on sales
Your eligible limit is based on your monthly sales, so the more your business sells, the more you can access. Enter your sales volume, see your limit instantly, and apply online in minutes
How it works
Get a cash advance in 4 steps
Check your eligibility
No login needed. Just enter your monthly sales volume and instantly see how much funding your business may be eligible for
Apply for business loan
Complete your application on our website by adding your business details. Your funding amount is based on the eligibility check you’ve just completed
Review the offer & approved
Our team reviews your application and confirms your offer, usually within days
Receive funds within days
Funds are sent to your business account. You repay automatically with a fixed percentage of your daily sales
Apply for cash advance online in minutes
Check how much your business qualifies for, choose the financing that fits, and apply online
- No paperwork
- No branch visits
- No property needed
Business first capital for you
Business first capital for you
Traditional bank business loan
Property/land mortgage or residential collateral
Mandatory real estate charge
Fixed collateral value & rigid ratios
4 to 8 weeks
Moby business loan
Backed by business assets (Invoices, POs & Revenue)
Zero mortgages or property deeds required
Business cash flow & operational track record
Approved in days
Our eligibility criteria
Business Profile
- A valid Malaysian SME business registration is required. Your business must be officially registered
- A minimum of 12+ months in active business operation is required, supported by a proven track record
Invoice or contract quality
- Valid invoices supported by purchase orders or contracts.
- Purchase agreements must be validated by reputable and established clients.
Collateral & Security (Optional)
- Supplementary collateral is optional but may unlock higher financing amounts and better rates.
Product Tangibility
- Business must trade in tangible goods raw materials, consumer products, components, or similar physical inventory.
- Business must have supply chain with traceable suppliers, clear distribution pathways, and maintained inventory records.
Buyer's Creditworthiness
- Buyers are assessed to verify their creditworthiness and payment reliability.
- Buyers with strong payment histories and solid market standing improve your financing eligibility.
Credit & Risk checks
- Standard credit checks on both parties, plus a risk assessment of products and supply chain routes.
All your cash advance in one dashboard
Track every cash advance and financing in one place, from your credit limit and available balance to upcoming payments and past applications
Frequently asked questions
Everything you need to know about the Cash Advance
What is a cash advance?
A cash advance gives your business funding based on its sales performance, so you can cover costs or invest in growth without waiting for revenue to come in.
How is my funding amount decided?
We look at your business’s sales history and overall performance to work out what you may qualify for.
Do I need to pledge property?
No. We look at your business, not your property, so your home, land, and shop stay free.
How do I check my eligibility?
Enter a few details about your business on our website and see what you may qualify for. No login needed.
What do I need to apply?
Your business details and a few supporting documents. You’ll see exactly what’s needed as you go through the application.
What can I use the funding for?
Anything that helps your business grow, such as buying stock, preparing for busy seasons, upgrading equipment, or running marketing campaigns.
How do I repay?
Your repayment terms are shown clearly in your offer, so you know exactly how repayment works before you accept.
Will I know the cost before I accept?
Yes. Your offer shows the full cost upfront, so you can decide with confidence.
Still have questions?
Can’t find the answer you’re looking for? Please Contact our sales team
Explore other moby business loan
Get your cash advance today
Get your cash advance today
Check how much your business qualifies for in minutes, with no login, no property, and no paperwork. Apply online and get the funding to keep your business growing
Check how much your business qualifies for in minutes, with no login, no property, and no paperwork. Apply online and get the funding to keep your business growing
