Corporate Financial Services
We provide a variety of finance solutions to support your business in staying ahead via ORIX Leasing Malaysia Berhad and our wholly owned subsidiaries, ORIX Credit Malaysia Sdn. Bhd. and ORIX Factoring Malaysia Sdn. Bhd.
Leasing is a smart and cost-effective way to lower your capital outlay to enhance cash flow from usage of equipment, and frees up your capital to be channelled to other productive business uses.
Lease periods can be practically tailored to match the useful life of the equipment. Fixed repayments hedges against inflation and are tax deductible for the lessee. Structured rental payments allow budgeting and cash flow planning.
Ownership of the equipment remains with the lessor.
Financing of vehicles, equipment, and machineries on a flexible package. Ownership is automatically transferred upon the completion of instalment payments and no penalty will be incurred on early settlements. Competitive terms tailored to your financing needs.
FACTORING / LETTER OF CREDIT
Factoring provides accelerated cash flow by converting credit sales to cash. Free up your cash flow to enjoy supplier cash discounts and lower collection costs. We provide Letters of Credit to facilitate trade and equipment purchases locally and overseas.
i-LEASE(AL IJARAH MUNTAHIYA BI TAMLEEK)
i-Lease is a facility offered to business enterprises for the leasing of equipment for commercial purposes. i-Lease Agreements shall be entered between the Lessee and ORIX as the Lessor and is based on the concept of Al Ijarah Muntahiya Bi Tamleek. The Ownership of the Equipment remains with the Lessor while the Lessee only owns the right of use (usufruct) of the Equipment.
i-HIRE PURCHASE (AL IJARAH THUMMA AL BAY)
i-Hire Purchase is based on the concept of Al Ijarah Thumma Al Bay. It is a hiring contract, where the Hirer hires the Goods with the intention to purchase the Goods. The Ownership of the Goods shall be passed to the Hirer at the end or upon the completion of the hiring period and the payment of all monies thereunder.
i-FACTORING(BAY AL DAYN)
i-Factoring follows the concept of Bay Al Dayn, an Arabic term for Sale and Purchase transactions involving quality debt. ORIX as the Factor will purchase selected debts in the form of invoices from its Client. The payment of the invoice will then be paid to ORIX by the Client’s Customer. This facility enables Clients to improve their cashflow and eliminate collection problems.