Alixco offers SC-regulated P2P invoice financing that turns specific unpaid invoices into RM 50,000–3,000,000 of immediate cash for Malaysian SMEs — no more waiting out 30-, 60- or 90-day payment terms. Each facility is anchored to a concrete receivable, your customer’s creditworthiness is part of the assessment, and businesses that invoice continuously can use it as a revolving source of liquidity.
Illustration only. Actual interest (0.83–1.33% per month), hosting fee (2–6%) and the small application fee (RM 50–200) are set per campaign after due diligence.
Apply with the specific unpaid invoice(s) you want to finance, plus your company documents and guarantors.
Alixco assesses both credit profiles — your business and the customer who owes the invoice — and structures the receivable into a P2P campaign.
Investors fund the campaign and cash is disbursed to your account — often within 7 working days.
When the invoice is settled, the financing is repaid on schedule. As new invoices are issued you can finance the next batch — a rolling facility, similar to factoring.
Instead of waiting out 30-, 60- or 90-day payment terms, you unlock the value of a confirmed invoice today and keep operations moving.
Two credit profiles count here: yours and your customer’s. The stronger the debtor behind the receivable, the smoother the review.
You raise financing against specific unpaid invoices owed to your business. Alixco reviews the receivable and your customer’s credit, structures it into an SC-regulated P2P campaign, and investors fund it — typically within about 7 working days — so you receive cash up front instead of waiting out 30-, 60- or 90-day payment terms. When the invoice is settled, the financing is repaid on the agreed schedule. Amounts range RM 50,000 to RM 3,000,000 with tenures of 1 to 24 months.
Because the financing is anchored to the invoice your customer owes, the assessment covers two credit profiles: your business and the debtor behind the receivable. Invoices to established, creditworthy customers — typically businesses or corporates with a solid payment history — are easier to structure and fund, and can support better terms.
Yes. If your business issues invoices continuously, you can finance new receivables as earlier ones are settled, turning invoice financing into a rolling source of liquidity similar to factoring. Each new invoice batch goes through the same assignment and review process.
Invoices to established, creditworthy customers (typically businesses or corporates) with clear payment terms and a defined due date work best. The receivable should be undisputed and not already pledged elsewhere. Final eligibility depends on the customer’s credit profile and your company’s due-diligence review.
Repayment follows the agreed schedule regardless of when your customer settles, so you plan around fixed dates. Because financing is secured through personal guarantees and credit due diligence rather than the single invoice alone, a late-paying customer does not automatically put the facility into default — but you remain responsible for repayment on schedule.
Invoice financing is raised against concrete receivables: your customer’s credit is part of the assessment, the amount follows the invoice value, and the facility can revolve as new invoices are issued. Working-capital financing is general-purpose — assessed on your overall financials and repaid on a fixed schedule from operating cash flow, with no link to any single invoice. If your cash is tied up in unpaid invoices, finance the invoices; for any other liquidity need, see Alixco’s working-capital financing.
Create your account and submit an invoice for financing with Malaysia’s SC‑regulated P2P platform.