SKIM PEMBIAYAAN

1. CIRI-CIRI KEMUDAHAN
   👉 Pembiayaan setelah projek disiapkan : Nilai pendahuluan 80% dari inbois atau 💯% kos bahan
        mentah, yang mana terendah.
   👉 Pembiayaan sebelum projek dimulakan : 💯% kos bahan mentah.

2. PERMOHONAN
    i. 📝 Dokumen- dokumen yg berkaitan dari syarikat anda.
   ii. 📝 Dokumen - dokumen kontrak yg diperlukan.

3. KELULUSAN
    i. Resolusi Lembaga Pengarah.
   ii. Surat Tawaran yang ditandatangani.
  iii. Perjanjian Pembiayaan yang ditandatangani.

4. PEMBIAYAAN
    Pembiayaan yang lulus akan disalurkan secepat 3 hari dari tarikh penerimaan surat penyerahan 
    hak pembiayaan/dari surat setuju dari pemberi kontrak ("Contract Assignment") untuk bayaran
    terus kepada My Commerze Sdn Bhd bagi kontrak yg dibiayai.

5. CAJ PEMBIAYAAN
  👉 Perkongsian keuntungan dari kontrak; atau
  👉 CAJ pengeluaran wang berdasarkan peratusan yang ditetapkan. 
  👉 Yuran pemprosesan.

6. KONSEP PEMBIAYAAN
  👉 Pembiayaan berteraskan syariah.

🔵 Semua Syarikat/Enterprise yang berdaftar boleh memohon.
🔵 Kelulusan bergantung pada jenis permohonan. Tempoh kelulusan adalah 3 hari dari serahan
     dokumen lengkap.
🔵 Pembiayaan kami adalah khusus buat kontraktor  kerajaan, badan berkanun & GLC.

💠 Tertakluk pada terma & syarat.

Have a government contract but rejected by Bank?

Don't worry about rejection. My Commerze Sdn Bhd ("MCSB") minimum financing is only RM50,000-00 and having different set of approval criteria from most of commercial banks. This make MCSB more customer friendly with fast services (approval in few days subject to full submission of documents).

The financing consist of pre and post financing. For Pre Financing, the margin of advance is 100% and for purchases of supplies and material. Disbursement of funds will be directly to your suppliers.

For Post Financing, the margin of advance is 80% of the Invoice value.

Please contact us for further details.

About My Commerze Sdn Bhd

My Commerze Sdn Bhd ("MCSB"), is factoring financial institution recognized by Bank Negara Malaysia as well as approved by the Ministry Of Finance and governed under the Financial Services Act 2013 (FSA 2013).

Over the years of its business operations since 2007, MCSB have provided financial assistance to more that 500 SMEs with total contract value of more than RM500 million. 

Having ‘Mudah, Cepat, Effisyen’ (easy, quick , efficient) as its motto, MCSB strive to give the best customer experience to small and medium enterprise (SME) in Malaysia. With recognition from Bank Negara Malaysia and Ministry of Finance, MCSB are able to provide financing by assignment of contract and receive direct payment from any government agencies, government link companies and selected public listed companies.

Excellent services : Easy Processing, 48 Hours Approval and Shariah Compliant

OUR OFFER

EASY PROCESSING

Our financing scheme is tailored specifically for Small and medium enterprise. We aim to makes it easy.

48 HOURS APPROVAL

Wait no more. Get your payment within 10 days. At My Commerze Sdn Bhd, we strive to give the best customer support service.

SHARIAH COMPLIANT

My Commerze Sdn Bhd is recognized by Bank Negara Malaysia and Ministry of Finance as a registered and authorized factoring company in Malaysia. All our activities are following the shariah principle.

What is Invoice factoring?

Invoice factoring, also known as receivables factoring, invoice discounting, and debtor financing, is a financial transaction in which a business sells its account receivable (invoices) to a third party (factoring company) at a discount.

As business will sometimes need immediate cash, invoice factoring

• provides more working capital immediately
• resolves your cash-flow concerns
• gives you the freedom to grow
• allows you to focus on income generation, not administration
• releases you from the hassle of managing your ledgers and chasing payments
• helps you secure supplier discounts by paying them early

My Commerze Sdn. Bhd., who has been helping businesses financing their project in the last 10 years is committed to provide factoring facility to  small and medium enterprises (SME) who are awarded with secured contract from government agencies, government linked companies (GLC) and selected public listed companies. Our service is specifically tailored for small and medium enterprises.