Shariah-compliant financing for Malaysian SMEs.
Zikay Factoring turns unpaid invoices into working capital — fast, transparent receivables financing that keeps good businesses growing while they wait to be paid.
One business, done properly: Islamic factoring.
Zikay Factoring Sdn Bhd is the group's financial arm, focused entirely on Shariah-compliant receivables financing. When an SME has delivered its work but is waiting 60 or 90 days to be paid, we advance the cash against those invoices — so payroll, suppliers and growth don't have to wait.
Every facility is structured to Shariah principles and reviewed by our advisory board — no interest, no hidden charges, and pricing our clients can see before they sign.
Invoice to cash, in four steps.
A straightforward, Shariah-structured process — most facilities are approved within two working days.
Working capital without the wait.
Cash in days, not months
Unlock the value tied up in invoices without waiting out 60–90 day payment terms.
Fully Shariah-compliant
Every facility is structured without interest and reviewed by our Shariah advisory board.
Transparent pricing
One clear fee agreed upfront — no compounding charges, no surprises on settlement.
Held to the standards that matter.
Our structures and controls are built for confidence — from Shariah oversight to regulatory alignment and financial-crime safeguards.
Shariah Advisory Board
Independent scholars review and certify every product and facility structure.
BNM-aligned practice
Operations follow Bank Negara Malaysia guidance for responsible SME financing.
AML / CFT controls
Full anti-money-laundering and counter-financing-of-terrorism due diligence on every client.
Waiting to be paid? Let's put that cash to work.
Tell us about your invoices and buyers, and our team will structure a Shariah-compliant facility that fits your cash-flow cycle.