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Wholly owned subsidiary of Luminor Financial Holdings Limited, a company listed on the SGX Catalist Board. With a growing presence in Malaysia and Singapore, our business addresses the financing needs of small and medium-sized enterprises (SMEs) underserved by conventional banks. We combine structured private credit investment and private debt investment to provide invoice financing, factoring, corporate loan solutions as well as corporate finance advisory in Malaysia and Singapore, unlocking access to capital, and delivering long-term investor value.
Factoring

Invoice Factoring

We provide a full suite of receivables-backed invoice financing solutions in Malaysia and Singapore to improve liquidity, optimize working capital and support supply chain continuity.

  • Invoice Factoring – Unlock cash flow by converting your receivables into immediate liquidity.
  • Pre-Factoring – Finance your suppliers at the point of order or invoice issuance.
  • Term Loan – Structured repayment solutions based on receivable cycles and contract tenure.
  • Term Financing – Structured repayment solutions based on receivable cycles and contract tenure.

Secured Lending & Corporate Loan Solutions

We offer asset-backed corporate loan solutions in Malaysia and Singapore to business owners, providing short to medium-term loans secured by physical or financial assets.

Our secured lending and corporate loan solutions prioritize capital preservation through first-charge arrangements, ensuring principal protection while enabling borrowers to meet operational or expansion needs. Financing is extended based on comprehensive asset evaluations and value assessments.

Month end Bank Statement

Luminor Capital Malaysia helps businesses meet banking and tendering requirements by structuring financial solutions that enhance end-of-month cash positions and statement profiles.

This is particularly suited for clients bidding for large contracts, participating in procurement exercises, or undergoing financial due diligence — without requiring additional long-term leverage.

Invoice financing Malaysia and Singapore for SME working capital

Corporate Finance Advisory Malaysia & Singapore

Through our licensed subsidiary under Securities Commission of Malaysia, Luminor Capital Markets Sdn. Bhd. provides corporate finance advisory in Malaysia and Singapore across the full corporate lifecycle.

  • Our capabilities include:
  • Mergers & Acquisitions Divestments
  • Restructuring
  • Pre-IPO advisory
  • Capital Raising (debt, equity, and hybrid instruments)
  • We work with corporates, investors,lawyers, and other professionals to deliver strategic, high-impact financial outcomes.

Car Dealership Financing

We offer short-term inventory financing solutions tailored for the automotive sector.

Our floor stocking facility allows dealerships to purchase and hold new or used vehicle inventory, improving stock availability and cash flow flexibility. The vehicles serve as collateral until sold.

Consumer Credit

In collaboration with an earned wage access technology partner, we offer mircro-financing to individuals through a salary deduction via simplified application process, and a socially responsible lending approach.

Our goal is to make essential credit accessible, responsible, and future-ready — especially for the underserved.

We structure each solution around our client’s operating model, industry dynamics, and growth targets — creating financing that fits and perform