Fast
Approval within 3 to 4 working days, in both conventional and Islamic financing.
SME Micro
Financing
Check and apply for safe, fast SME financing. No upfront fees, no collateral. For registered SSM business owners with ongoing operations.
For business owners
No upfront fees
Online assistance
How It Works
Available Amount
Up to RM 200,000
Best For
Registered business owners
Journey
Business flow 01
Tell us your business need
Share your company profile and financing requirement.
02
Submit business documents
Prepare NRIC and recent business bank statements for review.
03
Review financing options
Your application is assessed based on business income and profile.
04
Sign online & receive funds
Complete the agreement digitally after approval.
Prepare
SSM business6+ months operationBank statementsNo collateral
Online ApplicationNo Upfront FeesBusiness Financing
Business Financing
Grow your
business faster.
Affordable
Interest or profit rate of 0.8% to 1.5% per month, with flexible tenure up to 18 months.
No Hidden Fees
Application is free, with no upfront payment or deposit required.
Convenient
Available across Malaysia, 100% online, with no collateral required.
Our Promise
Financing support
from A to Z.
Applying for a loan can be stressful. The process stays guided, transparent, and free from upfront charges.
You Are Our Priority
Your financing needs are addressed through reputable and licensed financiers.
Convenience
Get guided assistance from document submission to follow-up and approval result.
Transparent
Rates, processing time, fees, and repayment terms are explained clearly before you proceed.
Free
The application service is 100% free with no upfront payment collected from you.
Financing Terms
Understand the
business facility.
SME Micro Financing supports business expansion and working capital needs through Islamic or conventional financing options.
Maximum Amount
Up to RM 200,000
The amount you qualify for depends on business income, current debt commitment, and credit history.
Repayment Tenure
6 - 18 months
Flexible repayment tenure is available between 6 months and 18 months.
Rate
0.8% - 1.5% per month
The interest or profit rate is subject to approval.
Financing Options
Islamic or conventional
You may apply for either Islamic or conventional financing.
Collateral
No collateral
SME Micro Financing is unsecured, so collateral is not required.
Processing Time
3 + 2 working days
Approval can be within 3 working days after full documents submission, with funds received within 2 working days after online signing.
Cost & Repayment
Know the fees
before applying.
Application is free with no upfront payment or deposit required. The processing fee is deducted only upon disbursement.
Application
100% free
No upfront payment or deposit is required for the application.
Processing Fee
10%
A 10% processing fee, inclusive of stamp duty and guarantee fee, is deducted upon disbursement from the loan or financing amount.
Illustration
RM 118,000 total repayment
For RM 100,000 financing over 12 months at an annual interest or profit rate of 18%, the representative total repayment amount is RM 118,000.
Early Settlement
Allowed
Islamic SME Micro Financing allows early repayment. Conventional SME Micro Financing allows early repayment with a 2% fee on the remaining principal amount.
Eligibility & Documents
Prepare your
business profile.
Eligibility is based on your business registration, operation history, revenue, legal standing, and required business documents.
Loan Eligibility
- Sole proprietorship, partnership, LLP, or private limited company registered with SSM or local authorities in Sabah and Sarawak.
- Minimum 6 months in business operations.
- Minimum business income or revenue of RM 3,000 per month.
- No pending or outstanding legal action.
- Not bankrupt.
Compulsory Documents
- NRIC front and back: owner for sole proprietorship, all partners for partnership or LLP, and all directors for Sdn. Bhd.
- Latest 6 months bank statement, original PDF only. Scanned copies, screenshots, or pictures are not accepted.
Optional Documents
- Business license.
- Personal income tax assessment for the latest 2 years.
- Additional documents may be required for partnership and Sdn. Bhd. companies.
How to Apply
01
Tell Us What You Need
Share your business financing needs so the suitable application path can be reviewed.
02
Submit Documents
Submit your documents and get personalised loan assistance.
03
Sign & Get Money
Once financing is approved, sign the financing agreement online and receive your funds.
FAQ
Common
questions.
Details on rates, fees, eligibility, documents, processing time, early settlement, and late payment charges.
