Welcome to El Nuwr
SA Puncak Management Sdn Bhd or better known as El Nuwr MOF Approved Factoring for Contractors & Suppliers
Convert Government Receivables into Immediate Cash via Approved Ministry of Finance Factoring Channels
MOF Registered Factoring Company Malaysia
Access official Ministry of Finance (MOF) accredited factoring solutions with El Nuwr. Convert verified government contracts into immediate working capital without administrative delays or traditional physical collateral requirements.
Accelerating Public Sector Contract Capital Flow
MOF E-Perolehan Integration
Seamless invoice verification through direct access to government procurement systems.
Immediate Cash Injection
Convert government receivables into working capital with short disbursement turnaround times.
Collateral-Free Capital
Secure funding lines without pledging real estate or fixed assets.
Shariah-Compliant Structure
Liquidity solutions structured in accordance with Islamic financial principles.
Bid Capability Expansion
Formal letters of support to strengthen contractors’ ability to secure larger tenders.
Streamlined Trade Settlement in Five Simple Steps
Delivery and Invoicing Order
Supplier fulfills orders and submits commercial invoices for approval.
Invoice Approval and Upload
Buyer approves receivables and uploads them to the platform.
Early Payment Request
Supplier elects to sell approved invoices for early cash.
Liquidity Disbursement
Financier advances cash to the supplier minus an agreed fee.
Settlement at Maturity
Buyer pays full invoice amount directly to the financier.
Eligibility Criteria
Registered enterprise or Sdn Bhd operating in Malaysia.
Valid active contracts or purchase orders awarded by Federal Ministries, State Government Agencies, Statutory Bodies or leading GLCs.
Valid invoices supported by signed delivery orders or verified service acceptances.
Request A Consultation
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).
Quick Links
- Home
- About Us
- Contact Us
- Privacy Policy
- Whistleblowing Policy
- whistleblow@luminorfinancialholdings.com