SME Business Loans (Malaysia)
with AI-Powered Risk Analysis
A Smarter, Safer Way to Borrow
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01
AI-Powered Match
In 5 minutes, our AI scans thousands of loan options from licensed lenders to find the best match for you.
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02
Human Expert Review
A dedicated expert reviews your AI match to ensure every detail is correct and answers your questions.
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03
Drawdown
Finalize your loan with transparent terms and a guided process.
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04
Case Manager Support
After drawdown, your dedicated Case Manager helps you manage payments and looks for new offers.
Target Customer Groups
Our SME Loan is built for Malaysian businesses that are ready to grow, stabilize, or optimize operations-especially those who may have difficulty getting traditional loans easily. These include
Micro, Small & Medium Enterprises (MSMEs)
Businesses with revenue and employee counts within SME definitions of Malaysia (per SME Corp / RinggitPlus).
Startups
Young Businesses needing working capital or small assets but lacking long credit history.
Businesses wanting to scale
e.g. expand production, buy machinery, hire staff, open new branches.
Underserved SMEs
those with limited collateral or marginal credit history.
Existing SMEs aiming for modernization
investing in digital transformation, automation, technology upgrades.
Bumiputera
often eligible for certain government-backed financing schemes.
A Malaysian Entrepreneur's Guide to SME & Business Loans
Small and Medium Enterprises (SMEs) are the backbone of the Malaysian economy. But for many entrepreneurs, securing the right "pinjaman perniagaan" (business loan) is the biggest hurdle to growth. This guide covers the basics of SME loans in Malaysia.
What is an SME Loan?
An SME loan is a financing product designed specifically for businesses, not individuals. It's used to fund business activities, such as:
- Working Capital: Paying for day-to-day operations, like purchasing inventory (stock), paying salaries, or managing cash flow while waiting for client payments.
- Asset Acquisition: Buying new equipment, machinery, a company vehicle, or a commercial property..
- Business Expansion: Funding growth, such as opening a new retail branch, launching a new product, or entering a new market..
Who is Eligible for an SME Loan in Malaysia?
Eligibility is more complex than for a personal loan. Lenders will look at your business's health. The minimum requirements usually include:
- SSM Registration: Your business must be registered with the Companies Commission of Malaysia (Suruhanjaya Syarikat Malaysia, or SSM).
- Are paying high interest (like 18–20% p.a.) on credit card balances and are only able to pay the minimum.
- Business Bank Statements: You must provide your latest 6-12 months of company bank statements. Lenders use this to verify your monthly revenue and cash flow.
- Director's Information: The company directors' NRIC and credit history (CCRIS/CTOS) will also be checked.
The Challenge for Malaysian SMEs
Many great SMEs get rejected by traditional banks. Why?
Messy" Bank Statements:
- Cash-based businesses or those with irregular income may look "high-risk" to an algorithm.
Lack of Collateral
- Many new businesses don't have property or assets to pledge for a secured loan.
Poor CCRIS/CTOS
- The director's personal credit history might unfairly impact the business's application.
This is precisely why our Hybrid AI+Human model is so critical for SMEs. A pure AI might reject a good business with lumpy cash flow. Our human experts can step in, understand the business model, and present a stronger case to the lender. Our AI-powered risk analysis also helps lenders see the true potential and risk, giving you a fairer chance at approval.
Service Providers
We partner with institutions that provide SME financing, including conventional and Islamic modes, to give you options
Local Banks & Islamic Banks with SME
Business loan products (term loans, working capital, equipment financing).
SME-focused banks & development institutions
Banks or organizations dedicated to supporting SME growth through tailored financing and development programs.
Digital SME
Fintech lenders who provide faster, lighter-collateral loans (e.g. micro-financing). Funding Societies
Government-backed funds
Guarantee schemes (CGC, SJPP, BNM SME Funds) to reduce risk for lenders and improve access for you.
Each lender is fully licensed and regulated, ensuring you are always protected and have access to the best SME financing options in Malaysia.
Loan Repayment Calculator
Repayment Calculator
Estimate Your Monthly Commitment
- Enter loan amount, tenure, and effective interest / profit rate.
- See monthly instalments and total cost.
- Scenario comparisons: e.g. 3 vs 5 vs 7 years, conventional vs Islamic.
(Note: this is an estimate; final terms depend on lender evaluation and credit assessment.)
Eligibility
Typical criteria in Malaysia's SME lending market
Business registration
- Registered with SSM (or relevant authority), valid license.
Business operating period
- Usually at least 1 year, sometimes 2-3 years (some banks require 3 years).
Revenue threshold
- Depends on lender; e.g. for smaller SME loans, minimal revenue acceptable.
Profitability
- Financial statements / bank statements to show viability.
Credit
- Business and/or owner's credit history (CTOS, CCRIS) will be considered.
Ownership
- Malaysia-based, majority Malaysian ownership in many schemes.
Collateral
- Required for certain amounts (e.g. property, equipment) depending on lender.
How to Apply
Getting a personal loan with us is simple and transparent:
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1 Start your enquiry via our online form or WhatsApp / AI chatbot.Fill in our enquiry form or chat with us via WhatsApp/AI chatbot.
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2 AI MatchingOur AI engine matches your case with the most suitable consolidation lenders.
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3 Human ReviewOur human experts review borderline cases for fairness.
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4 Choose Option & Submit DocumentsChoose your preferred option, and we collect supporting documents.
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5 Approval & DisbursementApproval granted ? old debts cleared ? you now have one new loan.
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6 Ongoing Case Manager SupportA Case Manager is assigned to monitor your journey and provide early advice.
FAQ (SME Focus)
What can SME loans be used for?
Business expansion, equipment purchase, working capital, digitalisation, or refinancing existing debts.
What challenges do SMEs face in getting loans?
A clear copy of your NRIC (MyKad), latest 3-6 months’ salary slips, bank statements showing salary credit, and EPF (KWSP) statement for salaried employees. Self-employed applicants need business registration documents and business bank statements.