Malaysia

Pay-As-You-Sell AdvanceTM

A shariah-compliant financing solution for cashless merchants to stay in control of their business, capital and growth.
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Grow your sales with Pay-As-You-Sell AdvanceTM


Pay-As-You-Sell Advance is a frictionless line of credit that is always available to you. We assess this based on your current sales flow with your sales platform. As your sales grow, so does your available amount.

You get up to 10 weeks of sales as an advance to start with and repay as a share of your sales automatically through your repayment partner or bank account.

This offer is available to merchants who are using one of our partners or integrations.
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Get Started

Pay-As-You-Sell AdvanceTM

A frictionless line of credit for Malaysian e-Commerce and Food & Beverages SMEs.
We assess your credit limit based on your sales performance. Credit limit will increase as your sales grow.

Credit limit up to
RM100,000

Or up to10 weeks of sales. Credit limit will be assessed based on your sales performance.

instant Decision
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Complete your advance request in under 5 minutes. No long forms, back and forth process. Get funds in less than 48 hours.

One-time flat fee, no interest

There are no late fees or interest charges that rack up on you. You are charged a one-time fee and nothing else. No surprises.

Automated repayments
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We will automatically deduct your repayment amount from your future sales. No hassle. No stress. No anxiety.

Pay back as share of sales

You can set the share of future sales that you wish to pay us back with. Your choice.

Who Pay-As-You-Sell Advance is for

You may be eligible for financing if:
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✔ Operated for at least 1 year
✔ Registered as a sole proprietorship, partnership, or private limited company with SSM
✔ Business in the F&B or e-commerce sector
✔ Minimum monthly revenue of RM10,000
✔ Business activities not involving pork, alcohol, or tobacco, and other restricted business activities.
Get Started

Access credit in just 48 hours
with our simple 4-step process!

Partner Merchants
Contact our sales representatives via WhatsApp. https://bit.ly/seedflex-whatsapp
Partners to share merchant's data with Seedflex & application will be reviewed.
Seedflex account will be created to access your credit limit.
Get your funds within 48 hours.
Non-Partner Merchants
Submit the application form. https://www.seedflex.com/malaysia/get-started
Your application will be reviewed, and credit limit will be determined within 2 working days.
Seedflex account will be created to access your credit limit.
Get your funds within 48 hours.

Who we work with

We work together with platforms who:

- Work with Micro and Small Merchants
- Have visibility of cashless transactions

These platforms include and are not limited to: On-Demand platforms, POS providers, Payment Service Providers, Online Marketplaces, Web Shopbuilders, Online accounting platforms.

Who is Seedflex

We are a Fintech company headquartered in Singapore. 
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Seedflex Capital Sdn Bhd is certified by our Shariah Advisors to offer Pay-As-You-Sell Advance as a Shariah-compliant product in Malaysia.

Pay-As-You-Sell Advance is offered under the Tawarruq (Commodity Murabahah) concept and is currently not subject to any licensing or regulatory requirements

Ready To Get Started?

Get your limit unlocked in 3 simple steps
1. Enter your phone number/email
Sign up online on our website with your phone number or email address
2. Connect your Sales Platform
Connect your preferred platform to get your limit
3. Complete your Profile
Finish creating your account by completing your business and director information

Get your Advance today!

Just sign up on our website and get your available
amount and that's it!
Get Started

Additional Product Information

Everything you need to know about the product
General Information
Name of Product
Pay-As-You-Sell Advance
Financing Type
Shariah
Available Amount
Up to 10x of Weekly Sales; Max RM100,000
Tenure
Up to 24 weeks
Charges
Interest
No Interest
One-Time Fee
Up to 6%
Other Charges
Stamp Duty of 0.5%
Late Fees
None
Early Repayment Charges
None
Disbursement Details
Disbursement Method
Direct to Bank Account
Disbursement Time
Up to 48 Hours
Disbursement Amount
The selected amount; Fees are NOT deducted but added to the repayment amount
Repayment Type
Automatic; % of sales
Repayment Frequency
Every Settlement

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Office setting

Why take an Advance?

As a small merchant, you're constantly navigating challenges of fluctuating cash flow and unexpected expenses...
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Customer FAQs

Have questions? Check out our customer FAQs here
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Our Partners