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About Us
Wholly owned subsidiary of Luminor Financial Holdings Limited, a company listed on the SGX Catalist Board. With a growing presence in Malaysia, Singapore, and Thailand, our business addresses the financing needs of small and medium-sized enterprises (SMEs) underserved by conventional banks. We combine innovation, compliance, and deep market insight to unlock access to capital, drive real economic outcomes, and deliver long-term investor value.

The Luminor Group

Luminor Capital operates within a diversified ecosystem of regulated entities and subsidiaries, each focused on a specific segment of the capital markets and financing spectrum.
  • Luminor Financial Holdings Limited
  • Luminor Financial Holdings Limited, formerly known as Starland Holdings Limited is listed on SGX Catalist Board and the ultimate holding company of Luminor Capital (Malaysia) Sdn. Bhd.
  • Luminor Capital (Malaysia) Sdn Bhd
  • A subsidiary of Luminor Financial Holdings Limited, along with its associates center on addressing financing gaps that traditional banking systems often overlook, targeting small and medium-sized enterprises (SMEs) across various economic sectors.
  • Luminor Credit Sdn Bhd
  • Holds a money lending license under the Moneylenders Act 1951.
  • License No: WL5399/12/01-10/211225.
  • Member of Association of Hire Purchase Companies Malaysia
  • Luminor Capital Markets Sdn Bhd
  • Holds a capital market service license under the Capital Markets Services Act 2007.
  • License No: CMSL/A0199/2007.
  • El Nuwr Sdn. Bhd
  • Provides shariah compliant personal financing products such as Earned Wage Access (EWA) by partnering with platform/technology provider.
  • SA Puncak Management Sdn Bhd
  • SA Puncak Management Sdn. Bhd. or better known as El Nuwr is a Shariah-compliant Factoring House with access to Malaysian e-Procurement system for direct receivables collection.
  • Member of Malaysian Factors Association and Federation of Malaysian Manufacturers (FMM)
  • Our Shariah-compliant financing products are endorsed by ISRA, an affiliate of Central Bank of Malaysia.
  • Luminor Assets Berhad
  • Special purpose vehicle to raise financing for the Luminor group of companies
  • Luminor Finance Pte Ltd is a member of the Singapore Indian Chamber of Commerce & Industry (SICCI).
  • Registration No.: 202501544K
  • Luminor Finance Pte Ltd
  • Provides financing solutions to international clients. Member of Singapore Indian Chamber of Commerce & Industry (SICCI)
Core Values

Our Vision and Values

At Luminor Capital, we are guided by a bold vision:
To redefine the Southeast Asian financial ecosystem by delivering disruptive, value-accretive financing solutions that unlock opportunities for the underserved.

We believe that capital should serve real needs. Our mission is to bridge the gap between opportunity and access — creating a system where innovation, integrity, and inclusion drive capital formation.

  • Core Values We Uphold
  • Integrity in governance and execution
  • Responsiveness to market gaps and emerging needs
  • Discipline in risk management
  • Impact through supporting underserved communities

Accreditations and Affiliations

We operate under multiple regulatory licenses and maintain memberships with recognized national and international industry bodies:

  • Securities Commission Malaysia (SC)
  • Moneylenders Act 1951 (Malaysia)
  • International Shariah Research Academy (Shariah endorsement), an affiliate of Central Bank of Malaysia
  • Malaysian Factors Association (MFA)
  • Federation of Malaysian Manufacturers (FMM)
  • Singapore Indian Chamber of Commerce & Industry (SICCI)

Our Governance

Governance across all entities in the Luminor Group is structured to ensure accountability, investor protection, and operational transparency. Our regulatory frameworks, credit policies, and deal governance structures are designed to uphold institutional-grade risk oversight while enabling agility in deal execution.

Our leadership

Luminor Capital is led by a multidisciplinary team of professionals with expertise across banking, capital markets, alternative financing, and regulatory affairs. Our leadership team brings a shared vision of reshaping finance for underserved enterprises through disciplined innovation and strategic foresight.