Upload or sync invoices
From accounting and ERP software, or by upload. e-Invoices are validated against LHDN’s MyInvois records.
For SMEs and the banks that serve them
Invoices in. Cash out.
Working capital against verified invoices, funded by the partner bank. SMEs stop waiting two months for money they have already earned.
Dashboard
Demo data, Malaysian ringgitSearch invoices
Available cash today · 6 Oct 2026RM 412,860Across 4 operating accounts
W9 runs shortVerified receivablesRM 1.28m44 buyer-confirmed
Available to liquidateRM 1.05mAfter confidence × IVR
Total payablesRM 318k6 owed · 1 to verify
MyInvois validated42 / 442 awaiting LHDN
Ready to unlock Sorted by due date
| Invoice | Buyer | Due | Confidence | Available |
|---|---|---|---|---|
| INV-24-0187 | Buyer MY-0142 · Retail | 18 Nov | 92% | RM 118,400 |
| INV-24-0191 | Buyer MY-0077 · Logistics | 02 Dec | 88% | RM 64,250 |
| INV-24-0196 | Buyer MY-0310 · F&B | 16 Dec | 71% | RM 41,900 |
| INV-24-0203 | Buyer MY-0142 · Retail | 30 Dec | 66% | RM 87,120 |
- Status
- Built on the CIXOR infrastructure behind PayDay In development
- Funding
- Invoice financing or supplier payment Partner bank
- Verification
- LHDN MyInvois, fingerprinting, PO and delivery matching Built in
- Control
- Risk filters, auto-fund rules, exposure limits Bank-set
01Capabilities
Only real trade gets funded.
Fraud stops at the door
Invoice fingerprinting blocks duplicates and fakes. Purchase order and delivery matching confirms the trade.
Live cash-flow view
A dashboard and simulation show the SME what happens if it funds two invoices or a customer pays late.
Automatic reconciliation
Collections are matched to invoices and facilities automatically, under maker-checker control.
Early warnings
Smart alerts warn the SME before a shortfall. Risk grading by SME, invoice and sector supports the bank’s credit team.
The bank stays in control
Risk filters, auto-fund rules and exposure limits are set and controlled by the partner bank.
Forecast
See the next 90 days, week by week.
A rolling cash-flow forecast flags the weeks that will run tight, with a confidence level on every week, so the SME can act before a shortfall instead of after it.
02How it works
From invoice to settled, automatically.
- Invoice comes inUploaded or synced from the SME’s accounting software.
- VerifiedMyInvois check, fingerprinting, PO and delivery matching.
- Bank fundsWithin the bank’s rules and exposure limits.
- Customer paysCollections flow through the partner bank’s accounts.
- ReconciledMatched to the invoice and facility, and closed.
Questions
CashDay, answered.
Who provides the funding?
The partner bank. It funds verified receivables and sets the credit rules. EOGSB provides the technology and carries no lending book.
Will this show up on my balance sheet?
That depends on the financing structure. Confirm the treatment with your accountant or auditor against your specific arrangement. EOGSB does not give accounting or tax advice.
How do I start as an SME?
Through a partner bank. Contact the FinTech team and we will route you to the right institution in your market.
When is CashDay available?
CashDay is in development on the proven CIXOR infrastructure and will be ready for bank pilots. Ask us for the current timeline.