Refer Your Friend

& Earn Referral Incentives*

Terms & conditions apply.
Referral incentives of RM50 for both referrer & referee upon first disbursement.

Who can I refer?
Any SME who transacts via cashless methods on e-commerce/F&B platforms
or via payment gateways

Get Rewarded Now

Who is Seedflex?

We are a Shariah-certified Fintech headquartered in Singapore.
We offer Pay-As-You-Sell Advance™; a frictionless line of credit that grows as your sales grow. It is offered under the Tawarruq (Commodity Murabahah) concept and currently not subject to any licensing or regulatory requirements.

Pay-As-You-Sell Advance^TM

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

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

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.

Boost Your BusinessWith PAYS Advance™