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Moby CapitalSupply chain financing
Smart financing for supply chain
Designed for SMEs and growing businesses, Moby Capital helps you maintain cash flow, fulfill orders, and scale with confidence
WHO WE SERVE?
Moby Capital is best suited to businesses that:
Tangible inventory or products
Built for businesses that manage physical goods or inventory and need financing support tied to real, trackable assets.
Supply chain operations
Ideal for companies involved in distribution, manufacturing, or logistics where capital is needed to keep the supply chain moving smoothly
Working capital needs
Supports businesses that require continuous cash flow to fulfill purchase orders, manage stock, and maintain day-to-day operations.
Invoice or Contract-Backed financing
Designed for teams that rely on confirmed invoices or secured contracts and want financing aligned with predictable cash inflows.
How Moby Capital works
Its provides fast, invoice-backed financing to help you maintain smooth cash flow. Simply submit your invoice or contract, receive an upfront advance, use the funds for operations, and settle once your customer pays.
1
A business sells or plans to sell goods, supported by valid invoices or signed purchase contracts.
2
Moby Capital advances funds typically 70–90% of the invoice value within a short turnaround.
3
Funds can cover product purchases, inventory management, payroll, or other operational costs.
4
Once the invoice is paid or the contract fulfilled, the remaining balance (minus service fees and interest) is settled.
Eligibility and Criteria for safety first approach
We approve financing only for businesses that meet our operational and documentation standards, ensuring secure and reliable capital support
We strongly follow this standards
Business profile
- Must be an SME (revenue and employee thresholds apply based on XX guidelines)
- Proven history of operations ideally 12+ months.
Product tangibility
- Business must deal in physical goods raw materials, consumer products, components, etc.
- A clear supply chain, with traceable suppliers, distribution pathways, and inventory records.
Invoice or Contract quality
- Invoices must be clearly linked to purchase orders or contracts, with buyer’s details and payment timelines.
- Contracts or purchase agreements should be signed or validated by credible clients (ideally with established operations).4. Buyer's Creditworthiness
- Clients with strong payment histories or market standing increase financing viability.
Product tangibility
- Although Moby Capital primarily relies on invoice/contract security, supplementary collateral can enable higher financing percentages or better rates.
Credit & Risk checks
- Standard credit checks are performed on both SME and invoice buyer, plus risk-based review of product categories and supply chain pathways.
Get started with
simple request
Complete the form to help us understand your requirements. Once submitted
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F.A.Q
Frequently asked questions
Everything you need to know about the product and billing. Can’t find the answer you’re looking for? Please chat to our team.
Moby offers conventional BNPL services, while Moby Islamic provides Shariah-compliant BNPL solutions, catering to a broader customer base.
Go to “Business” tab and click on Sign Up, or email merchantsupport@moby.my to start the onboarding process, and we’ll be in touch with you shortly.
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