Better Cashflow
for your Clinic
Pay your rent, salary and pharmacy bills today. Repay from your claims as they settle.
150+ clinics across Malaysia use Hibisca
Why clinics use Hibisca
Better cash flow
Manage your clinic expenses and daily commitment with ease.
Expenses paid on time
Your clinic's expenses are paid on time, whether or not your claims have settled.
Important financial support
Maintain sustainable operations and continue providing accessible healthcare services.
Expansion and growth
Invest in equipment or expansion when required.
Hibisca works together with PMCare.
We pay your clinic's expenses now. The amount is settled later from your panel claims.
Get your limit
We read your claims history to set your limit.
⏱ Within 24 hoursPay your expenses
We pay all your clinic expenses on your behalf.
⏱ Same dayRepay from your claims
Your panel claims repay it automatically every week, until it is fully repaid.
⏱ WeeklyRM 299a month + 2.8% processing fee
- Automatic bill payments & WhatsApp-to-Pay
- Real-time panel claim settlement tracking
- ✓Shariah Compliant
- ✓No interest
- ✓No collateral, no guarantor
- ✓No late payment penalty
- ✓No hidden charges
Repaid automatically over 16 weeks from your claims.
What clinics use Hibisca for
Pay rent
No more awkward calls to your landlord.
Pay salaries & Locum
Your staff get paid on time, whenever claims come in.
Restock the pharmacy
Buy stock when you need it, not when the money arrives.
Buy new equipment
A new machine, without waiting six months to save up.
Renovate the clinic
Fix the waiting room. Expand the treatment area.
Open a second clinic
Grow when the opportunity is there, not a year later.
What doctors say about Hibisca
“Hibisca is good for restructuring financial cash flow and expediting payment.”
“Hibisca ni memang banyak membantu dari segi cash flow klinik. Ada financial flexibility untuk kita uruskan expenses dan komitmen harian klinik dengan lebih mudah.”
“As a newly established clinic with limited financial history, we have not yet been able to secure bank financing. Hibisca helps us maintain sustainable operations and continue providing accessible healthcare services to the community.”
“Hibisca is more than just a clinic management platform. It helps simplify our daily clinic operations and provides access to capital to support the clinic's growth when needed.”