Stage 3: Working capital & debt
Revenue & cash-flow financing
Revenue-based financing is repaid as a share of your sales, so payments rise and fall with your income; it is still new in Malaysia and suits businesses with steady, trackable revenue.
Best suited for
E-commerce, SaaS, F&B and merchants with recurring or card-based sales data.
Pros
- Repayments flex with sales
- No equity given up
- Decisions often use sales data rather than collateral
Cons
- Total cost can be higher than a fixed loan
- Needs reliable sales data and often payment-platform integration
- Few providers and products are still developing
Watch out for
Work out the total you will repay, not just the monthly share, and what happens in slow months.
Where to look: Revenue & cash-flow financing
Real-world examples
- Early programmes
Dattel Asia Group and OHSEM360 launched a RM50 million revenue-based financing programme for MSMEs in 2025, repaid as a share of monthly revenue.
Reported by: NST, 2025 (opens in new tab)
Examples are drawn from public reports and are not endorsements. Results vary and are not typical.
Related options
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