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Welcome to El Nuwr

Term Financing Solutions for Malaysian Businesses

Unsecured Financial Support for Businesses That Need Cash Flow to Enhance and Grow

Working Capital Financing Malaysia

This service is provided to factoring clients where a business receives a lump sum of cash upfront to meet a specific business need and repays the financing over an agreed fixed period through regular installments.

For instance, an engineering company is awarded a contract to install and maintain water pumps at several pump houses. However, the contract awarder will only make payments after certain project milestones are completed. In the meantime, the company needs to cover upfront costs for suppliers, materials and other related expenses.

Term Financing provides the business with a fixed amount of cash upfront to carry out the project, while the financing is repaid through scheduled monthly installments. The repayment can be structured against the invoices submitted to the contract awarder, helping the business manage its cash flow throughout the project.
Supporting Businesses with Upfront Capital to Fund Their Operations or Projects

Access to Immediate Cash

Access immediate funds to cover upfront costs for awarded project.

No Collateral Needed

Secured financing without having to pledge assets.

Predictable Payments

Fixed repayment amounts making budget planning easier.

Working Capital Financing Works

Lump Sum Cash Amount Advance

El Nuwr will disburse lump sum amount of cash to your business (up to 100% of the total supplier invoice value).

Receive Advance

Deliver goods/services and submits invoice to El Nuwr.

Repayment

Upon payment of the submitted invoices, El Nuwr will deduct the monthly instalment applicable from the payment received.

Eligibility Criteria

Suitable for contracts with recurring invoices and predictable income stream to spread out the repayment obligation over fixed installment amount and tenure.

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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).

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