Welcome to El Nuwr
Institutional-Grade SME Invoice Financing in Malaysia
Convert Unpaid B2B Invoices into Immediate Working Capital Without Real Estate Collateral.
SME invoice financing Malaysia
Extended credit terms from corporate buyers should not restrict your business growth. Our SME Invoice Financing facility unlocks up to 80% of your outstanding invoice values, bridging cash flow gaps instantly while you await customer payments.
Structuring Liquidity for Growing Malaysian Businesses
Immediate Cash Injection
Access funding within 24–48 hours of invoice submission.
Collateral-Free Capital
Secured against the creditworthiness of your B2B debt customer, preserving your tangible assets.
Flexible Drawdowns
Draw liquidity only on demand, maintaining cost-effective balance sheet management.
How SME Invoice Financing Works
Issue Invoice
Deliver goods/services and issue an invoice to your enterprise buyer
Submit to El Nuwr
Submit invoices and supporting delivery documents
Receive Advance
Receive an immediate cash advance (up to 80% of invoice value)
Settlement
Upon customer payment at credit maturity, receive the remaining balance less financing fees
Eligibility Criteria
Registered Enterprise / Sdn Bhd in Malaysia
Active B2B commercial contracts or corporate buy-side receivables
Talk to us about your financing requirements
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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