Cardup Instalment plan, is made for SME's like yourselves. 

Split your invoice into monthly instalments (3 or 6 months). No credit card needed. Your supplier gets paid upfront by CardUp/Funding Societies; you repay in easy auto-debits.

• Fill up your loan interest form - and enter the financing amount required.

• Pick your tenure (3 or 6 months) and submit basic business details. 

• Fast decision and e-signing. Set up your e-Mandate for bank auto-debit.

• Seller gets paid (usually next business day / up to ~2 days after approval). You receive goods/services as agreed.

• Repay monthly by auto-debit. We’ll remind you ahead of each deduction.

Depending on your needs and the nature of your financing, you could apply for a credit period/tenure of 3 or 6 months. 

If this is your first time with us, here is a run-through on the application process. You can apply online in just 5 minutes

Step 1: Complete the Application form on our page

Step 2: Submit the documents required for the application

• Copy of all Director(s) NRIC/Passport

• Latest month Bank Statement

Step 3: Check your email for updates on your financing application

Step 4: Accept the approved financing offer from us (if you’re agreeable to the terms)

We will credit the funds into your designated business bank account upon successful funding exercise and your repayment cycle shall begin the following month.

Just like any other financing product, the following fees/charges will be applicable: 

APTF/APTF-i

• 3-Months: no applicable fees to borrowers.
• 6-Months: 4% of the approved financing amount to borrowers

If your core business involves the trading of anything on the following list, you may not be eligible for APTF/-i :

1. alcohol;
2. gambling;
3. pornography;
4. tobacco and dangerous drugs;
5. entertainment-related companies – such as karaoke lounges serving alcohol, film production houses producing mainly illicit movies, cinemas that typically screen entertainment-related movies;
6. pork and its by-products;
7. food items that are prohibited under the teaching of Islam such as frogs, snakes, crocodiles;
8. shariah non-compliant massage parlours that allow treatment from the opposite gender;
9. prostitution;
10. interest-based lending, including credit sales with interest charges;
11. conventional insurance and unit trust agencies; and/or
12. production and distribution of idols, statues, and materials and places for worshipping other than Allah.

*Funding Societies is a SME Digital Financing Platform registered with Securities Commission Malaysia. It does not fall under the jurisdiction of Bank Negara Malaysia. Therefore, financing products of Funding Societies should not be constructed as business loan, SME loan, micro loan, term loan or any other loans offered by banks in Malaysia and it is to be deemed as an investment note as defined in the Guidelines on Recognised Markets.