FinTech · 2 min read
Why SME cash flow is a timing problem
Malaysian SMEs take an average of 64 days to settle trade invoices, while payroll, rent and stock are due every month.
EOGSB ·
A profitable SME can still miss payroll because its money arrives late. The problem is not the margin. It is the calendar.
Funding on live data
When banks can see verified invoices and collections in real time, they can fund that gap on live data rather than last year’s accounts. e-Invoices validated against LHDN MyInvois give the bank a trade record it can rely on.
Sources
- Experian, State of Credit 2025
- DOSM, MSME Performance 2025