Pre-approved Invoice Financing

Get fast access to cash from your invoices
Invoice financing made seamless with Pantas Pre-approved Invoice Financing, an automated invoice financing facility that lets you finance receivables in one click.

 Credit line up to RM 2 million
 Financing up to 80% of the invoice value
 Tenure up to 120 days
 Receive financing in 2 working days
pre-approved invoice financing

Benefits of Pantas Pre-approved Invoice Financing

Pantas financing partner(s) are registered with Bank Negara Malaysia and/or Securities Commission Malaysia.
collateral free
Collateral free

By routing your invoice financing requests through Pantas and leveraging your existing data, no collateral is required.

full transparency
Full transparency

All costs, fees and necessary information are provided upfront with no hidden charges for you to worry about. Fees are charged on a success basis.

seamless activation and utilisation
Seamless activation & utilisation

Apply to activate the facility in less than a minute with only two documents required. Once activated, financing receivables only takes one click. Pantas automatically handles everything else!

flexible repayment options
Flexible repayment options

Financing tenures range from 30 to 120 days with options given for early repayment and partial repayment of principal.

How it works

how-it-works image
Send an invoice to your customer via Pantas. how-it-works image
Click the “Finance” button on your receivable. how-it-works image
Receive financing in 2 working days after approval. how-it-works image

How to get access

1 Get pre-approved

Pantas users are automatically pre-approved based on their billing & invoicing data - where each company receives a tailored facility offer (credit limit & interest rate).

  • Sole proprietorship, partnership, limited liability partnership, private limited company or unlisted public limited company
  • Minimum 30% local shareholding by Malaysians
  • Minimum 6 months in operations

Find out how to get pre-approved if you are new to Pantas or have minimal invoicing data.
Get in touch with us.

2 Apply to activate

Submit your application in less than 2 minutes with only 2 documents required!

  1. Application Form
  2. Copy of NRIC/Passport of all directors/shareholders
3 Get quick financing

Go to the specific invoice on Pantas and raise a finance request in order to receive up to 80% of the invoice amount in just 2 working days. Unlike traditional invoice financing, no manual document submission is required after pressing a button!

Limited time offer!
Activate now for free to enjoy a working capital credit line!
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Trusted by our users
Pantas has exceeded all expectations! From initial onboarding to customer service all the way to when you have signed on the dotted line, they are with you all the way. Never have they NOT explained anything that was asked, and they go the extra mile in making things happen. Thank you Pantas for maintaining such a high standard of customer service and account management and everyone else who hasn't signed up with them? Do so now!
Fred Kang
Owner, J Tech Systems Ventures
Goes beyond the stars! Thank you Lionel and the team for giving a top notch service to LPS. Hours of discussions were worthwhile btw ;) The planning was great and we managed to execute them in a short time, all thanks to your team for the hard work. Looking forward to seeing more new stuff on Pantas where it will be helpful for SME's like myself.
Nisha Meng Ming Li
Owner, Laurea Peoples Signature Sdn Bhd
Got to know PANTAS through my friend and I'm glad that im using PANTAS service now. This invoice platform is very helpful to my business, the interface is user friendly and I got to manage all my invoice there. Special thanks to Lionel for everything as he's been very helpful to me! Highly recommend business to use Pantas invoice service!
Kenneth Wong
Owner, Smart Home Buddy Sdn Bhd
Pantas really mean pantas. Fast, reliable and you have money drawdown within days. Bagus………👍
Casey Chong
Chief Financial Officer, Chat Infinite Sdn Bhd
I have recently tried out Pantas financing services and they have proved to be blazing fast in disbursing the same. I really appreciate and applaud their customer service representative in running us through the process while advising us every step of the way. Pantas is a huge boon for SME's like us. Thank you.
Wilson Wong
Sole proprietor, Wilson Wong Advocates & Solicitors
PANTAS memang sepantas nama, platform yang sesuai untuk perniagaan kecil hingga besar. Memudahkan urusan dengan pelanggan. Ia juga memudahkan untuk memohon pinjaman dan pegawai meraka juga cepat menangani masalah yang timbul. Saya memang mencadangkan platform PANTAS kepada rakan niaga saya.
Business Partner, Next Gram Trading
Superfood Global as a healthy food products brand owner, cash flow and liquidity are so important for our business to expand market further. Fortunately, we found a facility provided by PANTAS which is Invoice Financing that help us improve our cash flow and therefore we are able to promote our premium quality products to more countries. Thank you and appreciate team PANTAS and certainly will recommend to other business owner who need to improve cash flow.
Des Kuek
Founder, Superfoodmy Sdn. Bhd.
We engaged PANTAS as part of our digitisation efforts for our business. The team in PANTAS , particularly Mr Arman, worked tirelessly for months to demonstrate, consult and followed up with us on our digitisation process. Finally paid off, we are now live with a working capital financing line. My sales team cannot be happier!
Jit Kiang Kok
Chief Administrator and Strategist, KXP MANAGE SERVICES SDN BHD

Frequently asked questions

Invoice financing is a broad concept of financing arrangement where it allows companies to finance their early payment on their sales invoices or sales purchases, for goods delivered and/or services completed. This method of financing is ideal for businesses in need of consistent cash flow or cash upfront, especially if the majority of their transactions are on credit terms.

Pantas currently offers receivables financing, i.e financing thats tied to sales invoices. In order to receive financing from Pantas Pre-approved Invoice Financing, users must issue invoices to their customers via Pantas in order to raise an invoice financing request.

Tenures offered range from 30 to 120 days. Currently, pre-approved companies on Pantas are offered a tenure of 90 days. However, each company has the flexibility to request for a shorter or longer tenure period, depending on their needs. Requests for shorter or longer tenure periods will be evaluated on a case-by-case basis by Pantas' financing partner(s).

  1. Facility Fee: 1% of a company’s pre-approved amount, charged annually to maintain the invoice financing facility.
  2. Utilisation fee: 1-2% of the financed amount or MYR 50, whichever is higher, for each approved finance request. This is a flat fee charged for each successful drawdown that's deducted from the disbursed amount.
  3. Monthly interest rate: % of the financed amount, ranging from 0.8% to 1.5% based on credit assessment and financing offer given by our financing partner. Take note that the interest rate is calculated on a daily basis (non-compounded).

As part of a limited time offer, the annual Facility Fee is waived! Companies with an invoicing credit line of MYR 100,000.00 and below will be able to activate the automated invoice financing facility for free and enjoy a working capital credit line. Get in touch with us to learn more about the fees for Pantas Pre-approved Invoice Financing.

If you are late in making your repayments, the following fees/charges will be imposed:

  • Late Penalty Fee: RM 250 per 7 calendar days
  • Late Interest Fee: Up to 0.1% per day (non-compounded) on the amount in arrears

Sales invoices issued to Malaysian entities within the last 30 days are eligible to be financed. Overdue invoices that have gone past their due date are also eligible for invoice financing!

If you are not an existing Pantas user or a new Pantas user and want to get access to the invoice financing facility, we require you to import your company's historical invoicing data. We recommend our clients import their company's last 2 years' historical invoicing data* in order to receive the best possible financing offer. If importing the last 2 years of historical invoicing data* is not possible/not available, you can opt to upload the last 12 months or last 7 months instead.

In addition, you can also submit the additional supporting documents (where available) below for a better chance of approval, a larger credit limit, and better terms:

  1. Latest 6 months bank statements
  2. Latest 2 years audited financials
  3. Latest management accounts
  4. Latest creditor/debtor aging reports
  5. Latest statement of accounts of debtors/suppliers (last 6 months period)
  6. Relevant contracts and invoices

Get in touch with our team and a dedicated customer success officer will personally assist you to get pre-approved in the end-to-end application process.

*Historical invoicing data here refers to accounts receivable & accounts payable data. Take note that the upload of accounts receivable data alone is sufficient to receive a pre-approved offer. However, with more data and supporting documents, users are better positioned to receive the best possible financing offer.

Our financing partner(s) have made the repayment process seamless & convenient. Users of Pantas Pre-approved Invoice Financing make repayments on their borrowed amounts via direct debit or post-dated cheque.

Yes! If you choose to settle the financing early, there are NO fees or charges imposed!

Yes! You can choose to make a partial settlement on the amount borrowed in order to reduce the interest fees that’s accumulated on a daily basis. There are NO fees or charges imposed if you choose to make a partial settlement!

No! With more invoicing data, our financing partner will be able to offer better financing terms, which include lower interest rates and higher credit limits. In addition, by using the facility and making prompt repayments, financing terms can also be re-evaluated based on good track record.

Users can also submit the additional supporting documents (where available) below for a better chance in receiving a larger credit limit and/or better terms:

  1. Latest 6 months bank statements
  2. Latest 2 years audited financials
  3. Latest management accounts
  4. Latest creditor/debtor aging reports
  5. Latest statement of accounts of debtors/suppliers (last 6 months period)
  6. Relevant contracts and invoices

Users can qualify for a larger credit limit and/or better terms by submitting additional supporting documents supplementing their company's historical invoicing data.

Below are additional supporting documents that a user can submit to stand a better chance to receive a larger credit limit and/or better terms:

  1. Latest 6 months bank statements
  2. Latest 2 years audited financials
  3. Latest management accounts
  4. Latest creditor/debtor aging reports
  5. Latest statement of accounts of debtors/suppliers (last 6 months period)
  6. Relevant contracts and invoices

The financing solution
for your working capital needs.