Pay your suppliers today. Pay us later
We pay your suppliers on time while you get extra time to pay, so your cash stays in your business
We pay your suppliers on time while you get extra time to pay, so your cash stays in your business
Simple online process
Apply online and we take care of the payment. No paperwork, no branch visits
Suppliers paid on time
We pay your suppliers on time, every time, so you build stronger relationships
More time to pay
Get more time to pay, so you can sell your stock before the bill is due
No collateral required
We look at your business, not your property. No land, property, or personal assets needed
Get a limit that grows with your business
Your limit is based on your business performance and supplier purchases. Check your limit online in minutes and start paying suppliers on better terms
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
How it works
Pay suppliers in easy 4 steps
Check your eligibility
No login needed. Enter a few details about your business and instantly see your limit
Apply for business loan
Complete your application on our website by adding your business details
Review the offer & approved
Our team reviews your application and confirms your offer, usually within days
We pay your supplier
Once approved, we pay your supplier directly, usually within a days
Apply for payables finance 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 payables finance in one dashboard
Track all your payables financing in one place, from your credit limit and available balance to upcoming payments
Frequently asked questions
Everything you need to know about Moby Payables Finance
What is Payables Finance?
Payables Finance lets us pay your suppliers on your behalf while you get extra time to pay us back, so your cash stays in your business for longer.
How does it work?
You submit a supplier invoice, we pay your supplier directly once approved, and you repay us later.
Who is it for?
Businesses that buy regularly from suppliers, such as retailers, restaurants, distributors, and manufacturers.
How does it help my business?
You can stock up when you need to, pay suppliers on time, and keep your cash available for everyday costs like rent and salaries.
Will my suppliers be paid on time?
Yes. Once approved, we pay your supplier directly, which helps you build stronger supplier relationships.
Do I need to pledge property?
No. We look at your business, not your property.
How do I check my eligibility?
Enter a few details about your business on our website and see your limit. No login needed.
Will I know the cost before I accept?
Yes. You’ll see the cost and repayment terms before you accept.
Still have questions?
Can’t find the answer you’re looking for? Please Contact our sales team
Explore other moby business loan
Pay your suppliers today, pay us later
Pay your suppliers today, pay us later
Check your eligibility in minutes, with no login and no property needed. Apply online and keep your cash working for your business
Check your eligibility in minutes, with no login and no property needed. Apply online and keep your cash working for your business
