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Fee schedule
Hibisca charges a processing fee, across a fixed schedule. You repay weekly, from your claims as they settle. The fee is set before you confirm and nothing is added later.
| What we pay | Schedule | Total fee | On RM 10,000 |
|---|---|---|---|
| Operating billsRent, salaries, utilities, pharmacy restocks | 16 weeks4 months | 2.8% | Repay RM 10,280about RM 643 a week |
| Equipment and renovationMachines, fit-out, expansion | 48 weeks12 months | 8.4% | Repay RM 10,840about RM 226 a week |
Platform fee — RM 299 a month
Dashboard, automatic bill payments, WhatsApp to Pay and settlement tracking. Charged monthly, separate from the fee on each bill.
What Hibisca never charges
- ✓No interest
- ✓No collateral, no guarantor
- ✓No late payment penalty
- ✓No hidden charges
Figures on this page are worked examples. Your own numbers are shown in your dashboard and your agreement before you confirm anything.