Quick financial reserve when you need it

Loans

Fast approval

Flexible maturity

Cover unexpected expenses

Fully online

Loans from Malcom

Short-term financing for clients who use our factoring. Perfect for times when you need immediate cash for operations, seasonal fluctuations or unexpected expenses.

How to apply for a loan


  • Claim the pre-approved loan offer in the client zone or contact your sales representative
  • Sign the online contract in the client zone
  • The money will be in your account by the next day
 
 

Why use loans

The customer was two weeks late with payment for two large invoices, and I wasn’t sure I could cover my operating costs.

Independent carrier

Solution: with Malcom Finance, you can easily arrange the loan amount you need and cover your operating and unexpected expenses without worry.

We had a large order within our reach but we lacked the cash for the necessary advance payments for materials. Without quick financing, we would not have been able to accept this order.

Construction company owner

Solution: at Malcom Finance, you can take advantage of online loan offers directly in the client zone and have cash available immediately.
 
 

We’re here for you

Get in touch with our sales team. We will be happy to help you with everything and provide the best solution for your company.

 
 

What you ask us most often

It is a short-term financing solution that helps bridge the period when you need cash sooner than your customers pay your invoices. Funds are provided quickly and without unnecessary administration 

Only for our clients using factoring services. The solution is primarily designed for carriers, freight forwarders, and other companies that need to strengthen their cash flow immediately – for example for fuel, salaries, servicing, or other operational expenses. 

Loans are available only to our existing clients for whom we already manage receivables from debtors. The available receivables determine the possible loan amount. 

The loan amount depends on the value of receivables available with us. Based on this, we determine the maximum financing amount. We finance both smaller amounts and larger volumes for bigger transport companies. 

In most cases, funds are paid out within 24 hours. 

Any operational expenses – fuel, servicing, salaries, repairs, spare parts, tolls, or any other company operating costs. 

Repayment terms are flexible and tailored to your business operations. In most cases, repayment is made from invoice payments received from your debtors.

No. We provide loans without requiring collateral on assets. We primarily assess the value of your invoices, your debtors, and their payment reliability.

A loan is an additional service connected to factoring and cannot be used separately. It serves as fast short-term financing based on the receivables financed with us. 

Factoring is a comprehensive service that includes invoice financing, invoice management, insurance, and debtor verification. A loan can only be used if you are already using our factoring services. 

The price depends on the loan amount and the repayment period. Terms are always set individually and transparently, with no hidden fees.

Yes. If you cooperate with us long-term, you can use loans repeatedly according to your current needs.