We know financing can feel overwhelming. Here are answers to the most common questions our clients ask before getting started.
Most lenders require your business to be registered under SSM, have been operating for at least 1 to 2 years, and show consistent cash flow. Both Sdn Bhd and enterprise structures are eligible depending on the scheme.
Financing amounts vary by lender and your business profile. Some micro financing options start from RM10,000, while larger term loans can go up to RM5 million or more depending on collateral and financial standing.
Not always. Some facilities such as SJPP-backed schemes and unsecured SME loans do not require collateral. However, secured loans typically offer lower interest rates in return for pledging an asset.
Not always. Some facilities such as SJPP-backed schemes and unsecured SME loans do not require collateral. However, secured loans typically offer lower interest rates in return for pledging an asset.
Digital loan applications can be processed within a few business days. Traditional bank applications may take two to four weeks depending on documentation completeness and internal assessment.
Common requirements include your SSM registration, latest six months of bank statements, audited or management accounts, MyKad copy of directors, and your business profile or pitch deck if applicable.
Some lenders and government schemes do cater to newer businesses, particularly those under two years old. Microfinancing options and certain SJPP programmes offer more flexible eligibility for early-stage SMEs.
We review your business profile first and match you to the most suitable financing option. This saves you time, reduces the risk of rejection, and helps you structure your application properly before submission.
