The B2B cash-flow squeeze
Selling to corporate customers in Malaysia usually means accepting their payment terms — 30, 60, sometimes 90 days after delivery. For an SME supplier, that means bankrolling large customers: stock and wages go out today, and the money lands a quarter later. Growth makes it worse, because every new order stretches the same working capital further.
The conventional escape routes all cost money. Overdrafts and working-capital loans charge interest; invoice financing and factoring advance a discounted slice of each invoice and take a fee for the privilege. Either way, the supplier pays a price just to access money it has already earned.
- Corporate terms push 30–90 days of funding onto the supplier
- Borrowing against invoices costs interest or discount fees
- Every new order stretches working capital further
Early payment instead
Lapasar takes a different approach: it simply pays its suppliers early. Vendors who deliver through the marketplace can be paid as soon as 2 days after delivery, and RM100m+ moves to suppliers early every year. Because it is early payment for delivered goods — not an advance against a future receivable — there is no interest to pay and nothing to repay.
The buyer side of the marketplace is what makes this work. Corporate customers procure on credit terms — RM300m+ in credit lines is extended to customers yearly — so buyers get the payment flexibility they need while suppliers get their cash within days. RM400m+ a year moves through that credit ecosystem in total, with the marketplace absorbing the timing gap instead of the smallest party in the chain.
Cash flow is only half the offer
Early payment matters most when there are orders to be paid for. The marketplace brings the demand: corporate procurement teams, offices, retailers and industrial sites buying across 2M+ SKUs, with 10,000+ suppliers already competing for that business. Vendors keep their own pricing and win orders on merit — Lapasar does not private-label against its own catalogue, so the platform's interest is a supply base that grows.
For a supplier, the combination is the point: one channel that brings corporate customers, handles the transaction, and pays within days of delivery.
- Real corporate demand across 2M+ SKUs
- Vendors keep their pricing and win orders on merit
- No private-label competition against the catalogue