SME loan · Business financing
Financing for your business, presented the way banks assess it.
We help Malaysian small and medium businesses apply for term financing and working capital, preparing the financials, bank statements and business profile and submitting to suitable partner banks.
Business financing, built on your numbers
SME financing covers facilities such as term loans for equipment, renovation or expansion, and working capital to support stock, payroll and day-to-day operations. Banks assess the business itself: its trading history, revenue and cash flow, existing borrowings, and the credit records of the business and its directors or owners. Some facilities may also require collateral or a personal guarantee from the directors.
How the business is presented matters. We help you work out an amount and structure the business can realistically service, check that your financial statements and bank statements tell a consistent story, and prepare a short business profile so the bank understands what you do and what the funds are for.
We are a consultancy, not a lender. The bank decides whether to approve the financing, the amount, the rate and any security required.
Who it suits
SME financing suits registered businesses with a trading record, up-to-date accounts and a clear purpose for the funds.
- Registered businesses with a trading track record
- Businesses needing working capital for stock or day-to-day operations
- Businesses funding equipment, renovation or expansion
- Companies with up-to-date accounts and bank statements
What we handle
Business applications involve more paperwork than personal ones. We focus on the financials, the cash flow and a clear purpose for the funds.
A clear business case
We turn your financial statements, bank statements and business profile into a case the bank can assess on its merits.
Amount matched to cash flow
We look at your revenue, existing borrowings and cash flow to work out an amount and tenure the business can realistically service.
Complete company documents
Company registration documents, accounts and directors' details are checked and assembled into one pack before submission.
Banks compared before submission
Partner banks differ in the businesses and purposes they finance. We submit where your business profile fits best.
How an SME loan application works
Four steps, from the first conversation about your business to the funds being released.
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01
Consultation
We discuss your business, what the funds are for and your existing borrowings, and agree a realistic amount and structure.
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02
Financials and business profile
We review your financial statements and bank statements, and prepare a short business profile with you.
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03
Bank submission
We submit to the partner banks whose criteria best fit your business and the facility, then track the assessment.
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04
Offer and drawdown
We walk you through the offer, the rate, any security and the conditions. Once you accept, the bank releases the funds.
Documents checklist
SME Loan
Typical company documents. Individual banks may ask for more depending on the business and the facility.
Business
- Company registration documents from SSM
- MyKad of each director (front and back)
- Latest 6 months company bank statements
- Latest financial statements, audited where required
- Management accounts for the current year
- Short business profile: products or services, main customers and premises
- Statements for any existing business financing
Estimate your instalment
This estimate uses a reducing balance. Business facilities are structured in different ways, so ask how a quoted rate is calculated.
Indicative placeholder rate — not a quotation.
Estimated monthly instalment
RM 3,960.24
- Total payable
- RM 237,614.38
- Method
- Reducing balance
Estimate only. Actual rate and approval are subject to the bank's assessment.
SME loan questions
What do banks look at in an SME loan application?
Banks generally look at how long the business has been trading, its revenue and cash flow, existing borrowings, and the credit records of the business and its directors. Each bank sets its own criteria.
Do I need collateral or a personal guarantee?
It depends on the facility and the bank. Some business financing is unsecured, while other facilities need property or other security, and directors may be asked for a personal guarantee. We explain what each option involves before you apply.
Can a newly started business apply?
Banks generally prefer businesses with a trading track record and accounts they can review, so a newer business has fewer options. We look at your position honestly and tell you whether to apply now or what to build up first.
Which documents does the company need?
Usually company registration documents from SSM, recent company bank statements, financial statements or management accounts, and identification for the directors. The checklist above lists the typical items; the bank may ask for more.
Other financing routes
Check your eligibility
Tell us about your business and what the funds are for, and a consultant will review which partner banks fit your profile.
- No fees are charged to submit an enquiry. Approval and final terms remain entirely with the bank.
Enquiry received
A consultant will contact you on your preferred channel within one working day. Nothing has been submitted to any bank yet.