Business Loan Financing for Equipment & Growth

To qualify for a business loan, your company must be registered in Malaysia (Sdn Bhd, Enterprise, or Sole Proprietorship), operating for at least 6 months, and have verifiable income or revenue. We require basic documentation including SSM registration, bank statements (6 months), director IC/passport, and financial statements (if available). We maintain a 95% approval rate.

We process loan applications within 24 hours and provide approval decisions the same day for most cases. Once approved, funds can be disbursed within 3-5 working days. Our streamlined process is designed specifically for Malaysian SMEs that need quick access to capital without lengthy bank procedures.

Our business loan interest rates start from 2.88% per annum and vary based on loan amount, repayment term, business credit profile, and collateral provided. We work with multiple financial partners to secure the most competitive rates for your specific situation. All rates and fees are disclosed transparently before you commit.

Collateral requirements depend on the loan type and amount. Equipment financing loans use the equipment itself as collateral. For working capital and expansion loans, we may require business assets, property, or personal guarantees. However, we offer flexible collateral options and can work with various security arrangements to suit your situation.

Yes! While established businesses have an advantage, we do finance startups and newer businesses (minimum 6 months operation). For newer companies, we may require higher down payments, personal guarantees, or additional documentation showing business viability. Our specialists will work with you to find suitable financing solutions.

Loan amounts range from RM 50,000 to RM 5,000,000 depending on your business needs, financial capacity, and loan type. Equipment financing typically covers 70-90% of equipment value, while working capital loans are based on your monthly revenue and operational needs. Contact us for a customized assessment.

Yes, our business loans can be structured for multiple purposes. For example, you could combine equipment purchase with working capital requirements in a single loan package. We offer flexible financing solutions tailored to your complete business needs rather than rigid single-purpose loans.

We understand business challenges and cash flow fluctuations. If you anticipate payment difficulties, contact us immediately. We offer payment restructuring, temporary payment relief, and other workout arrangements. Early communication allows us to help you maintain your business operations while managing loan obligations responsibly.

Simply call us at 017-570 0889, WhatsApp us, or fill out our online contact form. Our business financing specialists will discuss your specific needs, explain loan options, and guide you through the application process. We make business financing accessible with minimal paperwork and maximum efficiency.