A Credit Line Built on Your Clinic's Track Record
Get up to 5× your monthly claims volume as revolving working capital. No collateral. No paperwork. Draw funds when you need them — repayment flows automatically as your practice earns.
150+ Clinics
Already growing with Hibisca
Available Working Capital
RM 48,250
Total Claims Value
RM 75,000
Claims Approved
142
All claims processed within 24h
Application to Credit Linein 24 Hours
No bank visits. No financial statements. No waiting months for approval. Just connect your PMCare Mediline and your credit line is ready.
Connect
Link your PMCare Mediline account. Hibisca securely reads your claims history to understand your practice.
Get Your Credit Line
Our AI evaluates your clinic's track record and assigns a credit limit — typically 5× your average monthly claims.
Draw What You Need
Access any amount up to your limit, anytime. Use it for payroll, supplies, expansion — anything your clinic needs. Repayment happens automatically as your future claims settle.
Transparent Pricing. No Surprises.
Pay only for what you use. No hidden fees. No lock-in contracts.
Breakdown
Your Eligible Credit Limit
Multiply your monthly claims by 5x
No collateral or personal guarantees
Funds available in < 24 hours
Monthly Platform Fee
RM 299/month — Access to Hibisca's AI-powered cash flow tools, claims analytics, and reconciliation dashboard
Processing Fee
0.7% monthly on funds drawn — Only pay when you use capital. No compounding. No penalties.
Backed by Your Track Record
No collateral. No credit checks. No personal guarantees. Your claims history is your credit score — and it unlocks up to 5× your monthly volume.
This is not interest on delayed claims. Hibisca provides your clinic with new working capital — up to 5× your monthly volume — backed by the strength of your practice. The 0.7% processing fee applies only to capital you actively draw. If you don't use it, you don't pay.
Use Your Credit Line for What Matters
Flexible capital that adapts to your clinic's unique needs.
Never Choose Between Payroll and Patients
Your staff, suppliers, and landlord don't wait 60-90 days. Your credit line covers daily operations so you never dip into personal savings or delay a payment.
- Payroll — always on time
- Supplier and pharmacy restocking
- Rent, utilities, and overheads
Our clinic runs on schedule, regardless of when claims settle.
Frequently Asked Questions
Everything you need to know about Hibisca.
Ready to TransformYour Clinic's Cash Flow?
Join 150+ clinics using Hibisca to access a credit line built on the strength of their practice.
No credit check required • Shariah certified • Cancel anytime
RM5M+
Credit Lines Approved
150+
Partner Clinics
<24h
Average Approval