Factoring & Islamic financing
Finance the contract, let the invoice settle it.
A contractor holding an LOA approaches three financiers at once. Credix brings the application to your desk complete and traceable, whether it arrives from the contractor directly or through your agents and brokers.
- Sri Bina Murni Sdn BhdRM 2,000,000Awarder JKR Perak · 36 month contractLOASSMBank 6 mthInvoice scheduleCompletevia Portal · 02:14
- Delta Infra ResourcesRM 850,000Awarder TNB · 18 month contractLOASSMAwaiting bank statementvia Agent · 21:47
- Mutiara Jaya EnterpriseRM 1,240,000Awarder MBSA · 24 month contractLOASSMBank 6 mthCompletevia Portal · 23:02
All three arrived after the office closed. Illustrative.
01 · Application portal
Applications arrive on their own, 24 hours a day.
- Submit
Contractors and agents complete the application in the portal, with contract details, the LOA and supporting documents attached.
- Receive
A complete application enters the assessment queue directly. No more collecting documents one at a time over WhatsApp.
- Track
Applicants check their own status. Your team spends its time assessing rather than answering follow-up calls.
02 · Contract to cash
Built the way contract financing actually runs.
Illustrative figures
- ContractRM 2,000,000Drawdown RM 500,000
Approved against contract value and the invoice schedule. For bonds, supplier payments and working capital.
- InvoiceRM 1,000,000Advance 70% · RM 700,000
Purchased once the work is complete and the invoice is issued to the awarder.
- Auto-nettingRM 200,000Net to client
The RM 500,000 drawdown is deducted from the advance automatically. No manual calculation, no leakage.
- ReserveRM 300,000Released after the awarder pays
Less late and administrative charges, which the system computes itself.
How the invoice settles the drawdown
RM 700,000advance−RM 500,000drawdown=RM 200,000net
One contract, many invoices. Netting splits across invoices follow your company's settings, not ours.
03 · Operational control
Every facility and every invoice, in one view.
With an audit trail on every transaction, and management reporting your auditor can work from.
e-Invoicing
LHDN e-Invoice enforcement has been live since 1 July 2026 for the RM1m to RM5m band.
Your e-Invoice readiness is scoped and delivered inside your implementation, as an explicit line in the fee.
Where to start
A free e-Invoicing readiness review.
We look at your current contract-to-cash flow against what enforcement now requires. Findings come back on one page.
In the field
A licensed Malaysian factoring company has run its contract financing on Credix since 2025, across more than 300 facilities.
A reference call is offered at proposal stage. Price on scoped proposal.
Other doors
Same platform, different book.
Your shop, open 24 hours.
A borrower portal that takes applications while you are closed.
Open this doorCredit koperasiEvery member, every deduction, accounted for.
Salary deduction reconciled against what you actually received.
Open this doorGovernment-linked lendersProcurement-ready lending, MySTI certified.
Credentials, governance posture and the vendor pack, on file.
Open this door