Must carried out offer and acceptance
  Must have willingness between seller and buyer
  Both parties are adult and have good sound and mind.
  All transaction must specifically stated
  Must not have any kind of “Riba” element
  The trading of the debt must be on cash term
 
 
 
Newly Concept of factoring in the market promoted by Government under Islamic form of financing.
     
 
Increase In Margin. Client will able to increase their bargaining power with supplier which in return will reduce the cost of purchase. ie repayment terms, discount etc.
     
 
Increase In Sales. Client will be able to increase their stock level to fulfill order that was impossible previously.
     
 
Reduction In Overhead. Overhead of the company can be reduce dramatically as
the factoring company acts as the collection agent.
     
 
Improve Cashflow. Prompt payment to supplier will automatically increase client's credit limit/ standing.
     
 
Time Saving. Client will be able to save time and money on collection since Hidayah Factors will assume the responsibility. Client can focus on more important issues.
     
 
Cash For Business Expansion. Factoring facility is generated with current sales and are not bound with any historical fact or assets. Normally in traditional finances, when sales increase, the cash in the company will also increase hence an expansion of the company's need.
     
 

Cheap And Convenience. Cheap And Convenience. Our Factoring charges is reasonable in the market and does not require any collateral such as house, land, fixed deposit and others. Documentation is easy and convenience. The process in approving and disbursement is fast.

     
 
     
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