Turn your unpaid invoices into cash
Get up to 90% of your invoice value upfront instead of waiting 30 to 90 days for customers to pay
Get up to 90% of your invoice value upfront instead of waiting 30 to 90 days for customers to pay
Why businesses choose Moby Receivables Finance
70–90% of invoice value
Get most of your invoice value upfront, instead of waiting 30 to 90 days for your customer to pay
Interest-free, one flat fee
Pay one clear fee per invoice. You’ll see the exact cost before you accept, with no hidden charges
No collateral required
Your invoices are the security. No property, land, or personal assets needed
Get cash in days
Receive funds within days of approval, so you can take on new orders sooner
How it works
Invoices to cash in easy 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
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 90% of your invoice value upfront
Your funding is based on the invoices you’ve issued, so the more you invoice, the more you can access. Check your eligibility and apply online in minutes
Apply for receivables 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 receivables finance in one dashboard
Track all your receivables financing in one place, from your credit limit and available balance to upcoming payments
Frequently asked questions
Everything you need to know about the Receivables Finance
What is Receivables Finance?
Receivables Finance lets you get paid on your unpaid invoices before your customers pay them, so you don’t have to wait for money you’ve already earned.
How does it work?
You upload an invoice you’ve issued to a customer and, once approved, you get paid upfront instead of waiting for the invoice to be settled.
Who is it for?
Businesses that invoice other businesses, such as distributors, wholesalers, manufacturers, contractors, and service providers.
Which invoices can I finance?
Valid invoices issued to registered businesses, supported by purchase orders or contracts.
How does it help my business?
You can cover costs, pay staff, and take on new orders without waiting for customers to pay.
Do I need to pledge property?
No. We look at your business and your invoices, not your property.
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.
Will I know the cost before I accept?
Yes. You’ll see the cost before you accept, so you can decide with confidence.
Still have questions?
Can’t find the answer you’re looking for? Please Contact to our sales team
Explore other moby business loan
Stop waiting to get paid
Stop waiting to get paid
Check your eligibility in minutes and turn your invoices into cash
Check your eligibility in minutes and turn your invoices into cash
