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Welcome to El Nuwr

Invoice Factoring, Vendor Financing, and Working Capital Financing in Malaysia

El Nuwr offers a complete range of financing solutions for government contractors, vendors and suppliers across Malaysia. From invoice factoring Malaysia to working capital financing and vendor financing, our products are designed to help businesses unlock cash flow at every stage of a government contract.

Pre-Financing:


A financing facility which offers payment directly to the client’s suppliers for delivery of goods to contract awarders.

Post Financing:
Invoice Factoring

Factoring offers cash liquidity solution by improving a company’s working capital through sale of its invoices to the factoring company.

Term Loan,
Working Capital Financing

Working Capital Loan offers our factoring clients the flexibility to maximise the utilisation of its invoice value which has been sold to us.

Salary Advance Facility

Salary Advance Facility helps our clients meet their salary payments on time.

 

Letter of Support

We provide Letter of Support to assist businesses in the process of obtaining tenders awarded by government bodies and GLCs.

Letter of Undertaking,
Vendor Financing

The letter acts as an agreement whereby we undertake to pay the suppliers after the goods are delivered and acknowledged to be in order.

Bank Guarantee for Performance Bond

We provide assistance in the preparation of Performance Bond to fulfil requirements imposed by contract awarders.

Payment Collection Agent

We offer suppliers the assurance needed in securing their payments from contract awarders and assist sub-contractors in guaranteeing their payments from main contractors.

Term Financing + Factoring

Invoice Factoring Process

Pre-Factoring + Factoring

Vendor Financing Process

Factoring

Invoice Factoring Process

Let Us Schedule With You

Application Process

Step 1

Fill in the enquiry form.

Step 2

Our team will contact you to assist for documents submission.

Step 3

Once approved, funds will be disbursed accordingly.

MOF Registered Factoring Company

El Nuwr or also known as SA Puncak Management Sdn. Bhd. is a MOF-registered Islamic factoring company in Malaysia, providing Shariah compliant invoice financing for SMEs and government contractors with no collateral required. Member of the Malaysian Factors Association (MFA).

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©  2026 SA Puncak Management Sdn. Bhd. Syariah-Compliant Invoice Factoring Services in Malaysia.