Mesra Modal Network Sdn. Bhd.

Reshaping Financial Discipline & Compliance.

We equip businesses and individuals with secure, technology-enabled financing and payroll collection solutions grounded in transparency and disciplined operations.

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Mon–Fri, 9am–8pm · Sat–Sun, 9am–6pm

Operating Hours

  • Monday–Friday9.00am–8.00pm
  • Saturday–Sunday9.00am–6.00pm
Our Focus

Structured Solutions for Financing & Collections

Built to help financing providers, employers, and consumers move forward with clarity, confidence, and efficiency.

Shariah-Compliant Personal Financing-I

Tawarruq-based financing structured around ethical principles to support lasting financial stability.

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Payroll Collection

An automated, structured deduction system built for civil servants and GLC employees to safeguard repayment integrity.

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Consumer Financing

Flexible credit solutions enabling consumers to fund major purchases through manageable, structured monthly instalments.

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Our Advantage

Grounded in Structure, Compliance, and Results

We combine disciplined workflows, system-led operations, and strong regulatory awareness to help our partners manage risk and achieve consistent outcomes.

01. Risk-Minimised Structure

Our at-source deduction approach is designed to curb default risk before funds ever reach the borrower's account.

02. Streamlined Operations

Driven by automated systems that cut out manual intervention and keep overhead costs in check.

03. Reliable Cash Flow

Structured repayment cycles help enable accurate cash flow forecasting and long-term institutional stability.

Advisory team member at work
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Salary Deduction at Source

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Approval Turnaround Target*

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Commitment to Regulatory & Shariah Compliance

Our Operational Edge

Our performance benchmarks are shaped by strong systems, discipline, and continuous refinement to keep delivery reliable and predictable.


Repayment Accuracy98%
Risk Monitoring & Control95%
Automation Level90%
Partner & Client Satisfaction100%

Our Operational Edge

Our performance benchmarks are shaped by strong systems, discipline, and continuous refinement to keep delivery reliable and predictable.


Repayment Accuracy98%
Risk Monitoring & Control95%
Automation Level90%
Partner & Client Satisfaction100%

Let's Build a Smarter Financial Partnership

Talk to our team today and find out how Mesra Modal Network can support your financing or collection requirements.

Request a Quote
Frequently Asked Questions

Answers to Questions We Hear Most

Straightforward answers about how we work and what we offer.

Yes — our Shariah-compliant financing is structured to align with Islamic principles and the applicable regulatory guidelines.

The payroll collection service is available to civil servants, GLC employees, and selected private-sector organisations, subject to eligibility criteria.

Simply fill in the enquiry form on our website, or reach out to us directly during our operating hours.