Embedded Supply Chain Financing Built for B2B Trade
Borong Credit removes the capital friction that slows procurement. Flexible trade credit lines sit inside your purchasing workflow, so buyers secure inventory without straining cash flow and suppliers are paid without chasing invoices. Financing is part of the transaction, not a separate process.
Eliminating Cash Flow Barriers in Corporate Procurement
Financing pressure hits both sides of a procurement transaction. Buyers need large orders to secure volume pricing or meet demand, but payment cycles demand upfront capital. Suppliers need prompt payment to fund production, manage inventory and meet their own obligations, but wait 30, 60 or 90 days for it.
Bank overdrafts and working capital loans require lengthy applications and heavy documentation, and rarely move at the speed procurement decisions need. They also favour larger, established businesses over the SMEs that form the backbone of most supply chains.
Borong Credit is built for how B2B procurement actually works. Credit is embedded in the platform and assessed on transaction history and business profile rather than traditional credit scoring alone, so approval is faster, access is broader, and terms follow real procurement cycles rather than generic loan structures.
Borong Credit Products
Instant Trade Credit Lines
Approved buyers draw financing at the point of purchase with no separate application. Limits are set from your platform transaction history and business profile, and can be used dynamically inside an active basket.
So an urgent order or a sourcing opportunity does not wait days on a financing decision. The credit is already there in checkout, ready to deploy, which matters for any business that has to move quickly.
Learn More about Instant CreditInvoice Financing
Invoice financing lets buyers secure inventory and pay suppliers upfront on extended trade credit, then repay on terms matched to their own revenue cycle. It matters most for businesses that themselves sell on extended terms and need a bridge between buying inventory and being paid for it.
Suppliers are paid at the point of order rather than at the end of a long payment cycle. Cash flow accelerates, reliance on overdrafts drops, and committing to large enterprise orders no longer means carrying the cash flow risk.
Learn More about Invoice FinancingMulti-Vendor Trade Financing
Most businesses buy from several suppliers at once. Borong Credit supports multi-vendor trade financing, so one credit line covers an order spanning several suppliers, with no separate arrangement per vendor relationship.
Repayment is structured around your procurement cycle with flexible terms of 30, 60, or 90 days depending on your credit tier and business profile. For seasonal businesses or those managing large project-based procurement, terms can be aligned to expected cash inflows.
Transparent Credit Tier Structure
Borong Credit operates on a structured tier framework that scales with your business activity on the platform. As transaction volume and consistency grow, credit access expands. This model rewards active buyers and suppliers and creates a pathway for SMEs to access increasingly significant financing without requiring traditional collateral arrangements.
Rolling operational credit for small and growing businesses managing daily inventory purchasing.
Extended credit limits and longer repayment windows for mid-market businesses scaling their procurement volume.
Custom supply chain financing structures for high-volume enterprise buyers and public sector procurement teams.
Eligibility is assessed based on platform transaction history, business profile, and compliance record. The pre-qualification process is self-service and does not require lengthy documentation to get an initial assessment of the financing options available to your organization.
How Borong Credit Integrates With Your ERP
Credit activity syncs with your ERP and accounting systems. Credit lines, repayment schedules and transaction records map to your master financial ledger through standard integration protocols, keeping reporting accurate and audit-ready without manual entry.
Supported integrations include SAP, Oracle, NetSuite, Coupa, Microsoft Dynamics 365, SQL Account, AutoCount and Xero. Finance teams read credit utilization, outstanding balances and repayment schedules inside their existing reporting tools, with no separate system to log in to.
Pre-Qualification: Assess Your Financing Options
Before starting a formal application, use Borong's self-service pre-qualification tool to get an initial view of the financing options that may be available to your business. The pre-qualification process reviews your basic business profile and purchasing activity to match you with the appropriate credit tier and product options.
Estimate based on financing the selected share of monthly spend over the chosen term. Final limits depend on transaction history, business profile, and compliance record.
All figures are illustrative estimates, not a quotation.
Which Credit Facility Fits Your Business?
Take the quick quiz below and get matched instantly. Answer a few questions about your business and financing needs to see which Borong Credit path fits you best. Nothing is submitted and no application has started.
Please answer all required questions before continuing.
Step 1: Basic Business Information
1. What type of business do you own?
2. How long has your business been operating?
3. What is your average monthly revenue?
Step 2: Credit Need & Usage
4. How much financing do you need?
5. What do you need financing for? (Select all that apply)
Step 3: Eligibility Assessment
6. Do you have the following documents? (Select all that apply)
7. Have you previously taken business financing?
8. Do you prefer short-term credit (up to 60 days) or long-term financing?
Your Result
Based on your answers, here's the best Borong Credit option for you.
Recommended Match
Instant Credit (RM500 - RM2,500)
As you selected Credit Card or SSM Business Registration.- No documents required, fast approval within 48 hours.
- Auto-repayment in 60 days.
Recommended Match
Invoice Financing (RM20,000 - RM250,000)
- Since you selected management accounts, bank statements, or audited accounts.
- Higher financing limits for larger inventory purchases.
- 60-day repayment with 7-9% p.a. rates.
Next Best Step
See how to increase your eligibility and credit limit.
- You may need more supporting documents before Borong can recommend a credit facility. Review the support guide to see how to improve your eligibility and unlock a higher credit limit.
Frequently Asked Questions
Can't find the answer you're looking for? Reach out to our customer support team.
What is embedded trade financing?
Embedded trade financing builds credit directly into the purchasing workflow instead of treating it as a separate loan. With Borong Credit, approved buyers access flexible trade credit lines at the point of purchase, suppliers receive timely payment, and financing is evaluated on platform transaction history and business profile rather than lengthy traditional applications.
How does Borong Credit work?
Credit options are built into the Borong platform and assessed on your transaction history and business profile. Buyers secure inventory without straining cash flow and repay on terms aligned to their procurement cycle, while suppliers are paid promptly. Instant credit lines, invoice financing, and multi-vendor trade financing are available, and all activity syncs with your ERP.
What credit terms does Borong Credit offer?
Repayment is structured around your procurement cycle with flexible terms of 30, 60, or 90 days depending on your credit tier and business profile. A single credit line can also cover multi-vendor orders, and seasonal or project-based businesses can align terms to expected cash inflows.
Is Borong Credit available to SMEs?
Yes. Borong Credit operates on a tiered framework that scales with your activity on the platform, creating a pathway for SMEs to access increasingly significant financing without traditional collateral. Tier 1 offers rolling operational credit for small and growing businesses, scaling up to custom structures for high-volume enterprise and public-sector buyers.
Ready to Optimize Your
Procurement Cash Flow?
Connect with a Borong financing specialist to review your current procurement cash flow challenges, explore the credit options available to your organization, and activate embedded financing within your purchasing workflow.
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