Overview

Running a business means balancing growth with cash flow. Delayed payments, supplier pressure, and tight credit conditions can strain even the strongest companies.

At IFS Capital (Malaysia), we understand these challenges. Backed by over 30 years of regional expertise, we help businesses unlock working capital, strengthen liquidity, and meet commitments — all without the need for traditional collateral.

Whether you’re financing invoices, managing supplier payments, or securing project guarantees, our team acts as your trusted financing partner, not just a lender — helping you choose the right solution for every stage of your business.

Factoring

(Invoice Financing/Accounts Receivable Purchase)

Convert your invoices into immediate cash flow — no collateral required.

What is Factoring

Factoring, or Invoice Financing, allows businesses to unlock working capital by converting their outstanding invoices into immediate cash.

Instead of waiting 30–90 days for customer payments, IFS Capital (Malaysia) advances up to 90% of the invoice value, giving you fast access to funds while we manage the collection process from your buyers.

Benefits

Unlock Cash Quickly

Free up funds tied in receivables to meet payroll, pay suppliers, or seize new opportunities.

No Collateral Needed

Approval is based on your customer’s creditworthiness, not your assets.

Smooth Cash Flow

Reduce payment delays and stabilize your monthly operations.

Professional Collections

Let our team handle collections so you can focus on sales and growth.

Scalable with Growth

The more you invoice, the higher your available funding.

How it works

At a glance

Explanation

You deliver goods or services to your customer and issue an invoice.
Submit the invoice to IFS Capital.
Receive up to 85% of the invoice value by the next business day.
Your customer pays the invoice amount to IFS Capital at due date
We release the remaining balance (minus our fees and charges).

Ideal for

SMEs and growing businesses with long customer payment terms (30–180 days).
Suppliers and distributors serving large corporates or government agencies.
Manufacturers or service providers needing steady working capital to keep operations running.
Startups or entrepreneurs without sufficient collateral for bank loans but with solid receivables.

Apply Now

Export Factoring

Get paid faster and trade with confidence — even across borders.

What is Export Factoring

Export Factoring helps Malaysian exporters improve cash flow by advancing up to 85% of invoice value upon shipment. We handle the credit protection, collections, and coordination with overseas buyers or import factors, so you can focus on fulfilling new orders and growing your export business.

Through our partnership with the IFS Capital Group and Factors Chain International (FCI) network, we provide secure and efficient cross-border financing — ensuring that your overseas receivables are professionally managed and your payments are protected.

Benefits

Faster Cash Flow

Convert export invoices into working capital immediately.

Credit Protection

Safeguard against buyer non-payment with FCI coverage.

Simplified Collection

Overseas collection handled by our trusted network.

Competitive Edge

Offer buyers open account terms confidently.

How it works

At a glance

Explanation

You deliver goods or services to an approved overseas buyer.
You submit invoice to IFS Capital.
IFS advances up to 85% of the invoice value immediately.
The overseas buyer pays through an import factor under FCI.
The balance (minus fees) is remitted to you upon collection.

Ideal for

Exporters supplying to overseas buyers on open account terms.
Manufacturers, traders, and distributors expanding to foreign markets.
SMEs seeking to manage cash flow between shipment and payment.

Apply Now

Supply Chain Financing

Empowering businesses to strengthen partnerships and cash flow across the supply chain.

What is Supply Chain Financing

Supply Chain Financing (SCF) helps both buyers and suppliers improve working capital management. By enabling early payment to suppliers and extended payment terms for buyers, SCF creates a win–win financing ecosystem that enhances trust, liquidity, and efficiency.

Through IFS Malaysia’s SCF program, we collaborate with corporate buyers to support their network of suppliers — providing quick access to financing upon invoice approval, while maintaining the buyer’s payment cycle.

Benefits

Better Cash Flow

Suppliers get paid early; buyers enjoy longer credit terms.

Stronger Relationships

Build trust and reliability across your value chain.

Operational Efficiency

Streamlined payment process and reduced admin work.

Scalable Solution

Flexible for growing supplier networks and contract values.

How it works

At a glance

Explanation

Supplier delivers goods or services and submits invoices for buyer’s approval.
Buyer uploads approved invoices to our platform,.
Suppliers receives option to sell the invoices to IFS capital.
Suppliers exercise the option to receive payment from IFS Capital.
IFS Capital advances payment to the supplier — at a discount of invoice value.
Buyer settles the invoice with IFS Capital at the agreed due date.

Ideal for

Corporate buyers seeking to stabilize their supplier base.
Suppliers to large organizations needing faster invoice payments.
Businesses managing seasonal or high-volume contracts.

Apply Now

Industrial Hire Purchase

Get paid faster and trade with confidence — even across borders.

Our Industrial Hire Purchase facility helps businesses acquire essential equipment without heavy upfront costs. Enjoy fixed monthly repayments, competitive rates, and ownership at the end of the term — allowing you to preserve working capital while expanding operational capacity.

A financing margin of up to 90% of the asset’s cost.
Up to 36 months’ tenure

Apply Now

Working Capital Term Loans

Strengthen your cash flow and fuel business growth.

Our Working Capital Term Loan provides flexible financing to support day-to-day operations, manage seasonal demand, or bridge short-term cash flow gaps. With competitive rates, structured repayment terms, and fast approval, we help businesses maintain stability and seize new opportunities without disrupting operations.

Apply Now

Performance Bonds and Guarantees

Confidence to deliver, backed by IFS Capital

Our Bonds & Guarantees solutions give your business the credibility and financial assurance to undertake larger projects with confidence. Designed to support contractors, service providers, and suppliers engaged in government or corporate contracts, these facilities strengthen trust between you and your clients.

Letter of Credit (LC) – Supports the purchase of finished goods from suppliers. Margin of finance: up to 80% of cost of goods and up to 120 days validity.

Performance Guarantee, Bank Guarantee (Performance Bond) – For newly awarded contracts, providing assurance of project delivery. Margin of finance: up to 80% of the guaranteed amount and paired with Factoring for structured repayment.

Letter of Support - to help SMEs strengthen their tender submissions for government agencies, GLCs, and major corporates.

Apply Now

Receivables Management Services

Streamline Collections. Strengthen Cash Flow

Managing receivables can be time-consuming and complex — especially when dealing with multiple customers, payment terms, and follow-ups. IFS Capital Malaysia’s Receivables Management Services help you take control of your cash flow by handling invoice follow-ups, collection tracking, and reconciliation efficiently.

This service reduces your administrative workload, minimizes overdue accounts, and helps you maintain healthy customer relationships — allowing you to focus on business growth instead of collections.

Apply Now

With IFS Capital Malaysia, you gain a reliable financial partner equipped with over 30 years of regional expertise and a strong local presence to help your business deliver with confidence.