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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

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


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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Press Release of Launch RM50mil
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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.

Our Vision
Our Mission
Empowering Growth Through Intelligent Revenue-Based Financing.
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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.
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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.
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Xin Finance supports various financing purposes such as personal financing, seed capital, expansion of business or project financing.
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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.
THE C.E.O. UNIT 31-16-3, LEBUH NIPAH 5, 11950 BAYAN LEPAS, PULAU PINANG, Malaysia.
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)
SURPLUS SOLUTIONS SDN BHD
200101001339 (537095-H)
THE C.E.O. UNIT 31-16-3,
LEBUH NIPAH 5, 11950 BAYAN LEPAS, PULAU PINANG, Malaysia.



