Working Capital
Working capital for suppliers to Asia's major retailer
Specialised working capital for FMCG and consumer-goods suppliers to major retailers across Malaysia, Singapore, and the wider region. Fast, flexible funding — without the wait or the dilution.
Faster
Access funding in days, not the 60–90 you'd wait on retailer payment. Keep operating and growing while your capital works, instead of sitting locked in receivables.
Specialized
Built specifically for retail supplier ecosystems. We understand the economics of supplying major Asian retailers — because that's all we do.
Trusted
Delivered in partnership with licensed financial institutions regulated by Bank Negara Malaysia and the Securities Commission Malaysia. Shariah-compliant options throughout.
The Problem
The cash-flow gap that growth creates
You've done everything right — secured the listing, met the order, delivered on time.
But growth eats cash from both sides. You fund production, stock, and operations upfront, then wait 60–90 days to be paid on what you've delivered. Meanwhile payroll runs, the next production cycle needs funding, and your growth waits on payment cycles you don't control. It's the quiet constraint on every well-run supplier business: not demand, not relationships — timing.
The Process
How it works
Why Ministry of Capital
Built for FMCG and consumer-goods suppliers
Specialized infrastructure designed around the operational realities of supplying Malaysia's largest retailers.
Retail-specific underwriting
Credit assessment built around FMCG supplier economics — payment terms, anchor-buyer relationships, seasonal cash-flow cycles. Not a generic SME template.
Anchor-buyer verification
We understand the major retailers our suppliers sell to — their payment cycles, their dynamics, their reliability. That retail insight underpins faster, better-informed financing decisions
One facility that grows with you
A single relationship covers your financing needs as you scale. Apply once, and draw on it as your business grows — without reapplying each time.
Shariah-compliant, licensed-partner delivered
Facilities can be structured on Shariah-compliant principles where preferred — issued and serviced by regulated Malaysian financial institutions. Conventional structures equally available.
Comparison
With and without Ministry of Capital
The same business. A different relationship with time
Without Ministry of Capital
Wait 60–90 days for retailer payment
Cash flow dictated by retailer payment cycles
Juggle each retailer's payment timing separately
Generic SME lending — if you can find it
Payment terms are something you absorb
With Ministry of Capital
Funded in days, not months
Predictable capital, regardless of retailer timing
One flexible facility that grows with you
Underwriting built for FMCG supplier economics
Working capital becomes a growth lever
Transparent Pricing
Transparent pricing that scales with your needs
Pricing is simple and usage-based — you only pay for the financing you actually use.
Servicing rate: typically ~1–1.5% per 30 days — charged only while funds are drawn
Structured as a one-time facility fee rather than compounding interest, with Shariah-compliant options
No subscription fees. No hidden charges. (Indicative ranges; your exact rate is confirmed during onboarding.)
Compliance First
Built in partnership with licensed financial institutions
Built with security and compliance embedded at every
layer to protect sensitive financial data.
Operational structure
Ministry of Capital does not provide financing directly. All facilities are issued, assessed, and serviced by our licensed partner institutions. We facilitate the relationship between SME suppliers and these regulated providers
Regulatory framework
Our partner institutions are regulated under the Financial Services Act 2013, Islamic Financial Services Act 2013, and the Capital Markets and Services Act 2007
Shariah governance
Shariah-compliant facilities are structured by partner institutions using established frameworks
For Partners
For retailers and platforms
FAQ
Common questions from suppliers
Everything you need to understand about working with Ministry of Capital.
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