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Revolutionizing Funding for 
MSMEs and Gig Workers with AI-Driven Revenue-Based Financing

  • Instant Loans Backed by Your Sales Data –
    No Collateral Needed

Revolutionizing Funding for
MSMEs and Gig Workers with
AI-Driven Revenue-Based Financing

  • Instant Loans Backed by Your Sales Data –
    No Collateral Needed

  • AI-Powered Approval for E-Commerce Sellers,
    QR Pay Merchants and Gig Workers

  • AI-Powered Approval for E-Commerce Sellers, QR Pay Merchants and Gig Workers

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Revolutionizing Funding for MSMEs and Gig Workers with AI-Driven Revenue-Based Financing

  • Instant Loans Backed by Your Sales Data – No Collateral Needed

  • AI-Powered Approval for E-Commerce Sellers, QR Pay Merchants & Gig Workers

freepik__modern-fintech-business-with-touchscreen-interface__46523.png

Revolutionizing Funding for 
MSMEs and Gig Workers with AI-Driven Revenue-Based Financing

  • Instant Loans Backed by Your Sales Data –
    No Collateral Needed

Revolutionizing Funding for
MSMEs and Gig Workers with
AI-Driven Revenue-Based Financing

  • Instant Loans Backed by Your Sales Data –
    No Collateral Needed

  • AI-Powered Approval for E-Commerce Sellers,
    QR Pay Merchants and Gig Workers

  • AI-Powered Approval for E-Commerce Sellers, QR Pay Merchants and Gig Workers

Xin Finance - Final logo-01.png
freepik__modern-fintech-business-with-touchscreen-interface__46523.png

Revolutionizing Funding for
MSMEs and Gig Workers with
AI-Driven Revenue-Based Financing

Revolutionizing Funding for 
MSMEs and Gig Workers with AI-Driven Revenue-Based Financing

  • Instant Loans Backed by Your Sales Data –
    No Collateral Needed

  • Instant Loans Backed by Your Sales Data – No Collateral Needed

  • AI-Powered Approval for E-Commerce Sellers,
    QR Pay Merchants and Gig Workers

  • AI-Powered Approval for E-Commerce Sellers, QR Pay Merchants and Gig Workers

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qr-code-scan.png

Loans tailored to QR Pay transaction history
(6-month nett settlement).

QR Financing

Loans tailored to QR Pay transaction history (6-month nett settlement).

E-Commerce Financing
See More

Pre-approved loans based on e-commerce sales data patterns.

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E-Commerce Financing

Pre-approved loans based on 
e-commerce sales data patterns.

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Gig Financing

Income-based loans for gig workers using 6-month earning patterns.

Income-based loans for gig workers using 6-month earning patterns.

Gig Financing
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Story of collaboration with MyDataHub.Ai

Describe the service and how customers or clients can benefit from it.

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Press Release of Launch RM50mil

Describe the service and how customers or clients can benefit from it.

Our Stories

About Us

Empowering Growth Through Intelligent Revenue-Based Financing.

At Xin Finance, we believe access to funding should be fair, fast, and tailored to the real potential of businesses. That's why we've pioneered a revenue-based financing model that breaks away from traditional credit scoring—making funding more accessible for underserved segments like MSMEs, gig workers, and digital entrepreneurs.

We’re more than a financial provider—we’re a growth partner for the digital economy.

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Our Vision
Our Mission

Empowering Growth Through Intelligent Revenue-Based Financing.

  • Xin Finance intends to focus on its digital funding services for a specific range of customers, especially SMEs as well as start-up entrepreneurs that leverages on technology in doing their business.
     

  • Xin Finance strives to be the future of funding by introducing innovative ways to assess credit and make financing more accessible to the underserved communities leveraging on our AI capabilities.
     

  • Xin Finance supports various financing purposes such as personal financing, seed capital, expansion of business or project financing.

© 2035 by Name of Site. Created on Wix Studio.

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SURPLUS SOLUTIONS SDN BHD
200101001339 (537095-H) 

THE C.E.O. UNIT 31-16-3, LEBUH NIPAH 5,
11950 BAYAN LEPAS, PULAU PINANG, Malaysia.

© 2035 by Name of Site. Created on Wix Studio.

Xin Finance - Final logo-01.png
  • Instagram
  • Facebook
  • X
  • LinkedIn
  • YouTube
  • TikTok

THE C.E.O. UNIT 31-16-3, LEBUH NIPAH 5, 11950 BAYAN LEPAS, PULAU PINANG, Malaysia.

Home
About
Contact

SURPLUS SOLUTIONS SDN BHD
200101001339 (537095-H) 

THE C.E.O. UNIT 31-16-3, LEBUH NIPAH 5,
11950 BAYAN LEPAS, PULAU PINANG, Malaysia.

SURPLUS SOLUTIONS SDN BHD
200101001339 (537095-H) 

Xin Finance - Final logo-01.png

Home
About
Contact

SURPLUS SOLUTIONS SDN BHD
200101001339 (537095-H) 

THE C.E.O. UNIT 31-16-3,
LEBUH NIPAH 5, 11950 BAYAN LEPAS, PULAU PINANG, Malaysia.

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