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It’s the perfect solution to avoid cash flow slowdowns

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What is Invoice-to-Cash Financing?

Invoice-to-Cash Financing is simply a smart, easy way to gain access to funds that your business needs.

Instead of waiting for your buyers to pay you after you’ve submitted your invoice to them, you submit your invoice to us.

In return, your invoice will be available on our online platform for investors to invest in/ buy it.

Once the investors have successfully bought your invoice, you will thus get the proceeds from the sale.

Essentially, this means no more waiting for 30, 60, or even 90 days to get paid from your buyers but get paid within days from us, LendingStar.

How Invoice-to-Cash
Financing Works?

Just as name the name implies, Invoice-to-Cash Financing works by turning your unpaid invoices into cash.

More specifically, it makes your invoice becomes available to our platform of investors to invest in/ buy it.

You’ll get cash when investors have successfully bought it, whereas investors will earn a profit when you have successfully sold it.

Agreeably, it’s a win-win solution for everyone.

Here’s how to start benefiting from it:

Create an account

Sign up (create a Business Account), if you haven't yet already.

Upload documents

Upload your outstanding invoice on our platform.


Once your invoice has been verified by our team, it will then be available for sale to our platform of investors.

Get Offers

Should an investor offer to buy your invoice, you will be prompted to “Accept” or “Reject” the offer at your own discretion.

How Much Financing Can You Get with this Solution?

How much funds you can get with Invoice-to-Cash Financing will depend largely on how much your outstanding invoice is worth.

Because your outstanding invoice is essentially what our investors will be putting money into, it will be key to meeting your financing goals.

To give you an example, let’s say your invoice amount is $50,000. This means you stand to gain up to 95% of your invoice amount which is $47,500 on our marketplace.

The 5% discount offered here, of course, is just an example. You could also very well offer 4% or 3%, or even 2%.

Ultimately, it’s up to you to set the discount rate that makes the most financial sense to you.

What Does Invoice-to-Cash Financing Cost?

Our costs and charges are always clear, transparent, and written in plain English.

We’ll never charge you without your permission.

We only charge a platform fee of 1.5% of your total invoice amount for every successful invoice sold.

This means you can join, upload, or publish as many invoices on our marketplace as you like for free.

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Is Invoice-to-Cash Financing Right for Me?

If you would like an easier, faster way to get financing for your business without any collateral, then this solution will be perfect for you.

The other requirements that we look at for eligibility are the following:

  • Company must be Malaysian registered.
  • Your company must be 6 months or more in operations.
  • Invoice amount uploaded should be between RM5,000 and RM200,000.