Business financing
Capital support for active businesses
Financing options for business owners and self-employed individuals in Kuala Lumpur or Selangor who need support for operations and cash flow.
Every application is subject to business and document review, assessment and approval. Approval is not guaranteed.
Suitable for
Active & verifiable businesses
Interest rate
12%–18% per year
Duration
6–60 months
Service area
KL & Selangor
Rating
Based on business profile
Understand the product
What is business financing?
Business financing helps business owners or self-employed individuals manage planned operating needs, subject to repayment capacity and company assessment.
Before accepting an offer, understand the financing amount, interest rate, repayment term, related charges and total repayment.
01 — Clear purpose
State how the funds will be used in business operations.
02 — Verifiable records
Prepare relevant business and income documents.
03 — Manageable repayments
Compare instalments with actual monthly cash flow.
04 — Terms understood
Review the rates, charges, term and responsibilities before signing.
Use financing for a clear business purpose based on cash-flow capacity, not to cover losses without a recovery plan.
Business uses
Operating needs that may be considered
The actual purpose will be assessed together with the business profile and documents.
01
Working capital
Manage cash-flow gaps for ongoing business operations.
02
Stock & inventory
Purchase goods or materials needed to meet demand.
03
Operating equipment
Tools or equipment that support business activities.
04
Planned expenses
Specific operating costs with a clear purpose and payment schedule.
Basic eligibility
Who may make an enquiry?
Malaysian citizens aged 21 to 55.
Business owners or self-employed individuals.
Lives or conducts business in Kuala Lumpur or Selangor.
Business has been active for at least three months.
Has verifiable income or cash-flow records.
Prepared to provide relevant supporting documents.
Meeting the basic criteria does not guarantee approval. Each business profile is assessed individually.
Business documents
Information that may be required
Applicant identification
Identification of the owner or person making the enquiry.
Business registration
SSM documents or relevant proof of business operation.
Income records
Statements or transaction records that help demonstrate cash flow.
Proof of operating address
Business location information, if required for assessment.
Record of operating period
Documents showing that the business is active.
Purpose of financing
A brief description of the planned use of funds.
Financing calculator
Value the impact on cash flow
Adjust the amount and period to see the estimate using a fixed rate of 18% per annum and the flat interest method.
Calculation example
Compare payment periods
Example using RM20,000 at a flat interest rate of 18% per annum.
TEMPOH | JUMLAH FAEDAH | JUMLAH BAYAR BALIK | ANGGARAN BULANAN |
|---|---|---|---|
12 Bulan | RM3,600 | RM23,600 | RM1,966.67 |
24 Bulan | RM7,200 | RM27,200 | RM1,133.33 |
36 Bulan | RM10,800 | RM30,800 | RM855.56 |
60 Bulan | RM18,000 | RM38,000 | RM633.33 |
A longer term reduces the estimated monthly payment but increases total interest.
Application process
Four steps before making a decision
Find out what will happen at each stage before proceeding with the application.
1
Initial assessment
Check area, age, occupation and source of income.
2
Send inquiry
Provide basic information through forms or official channels.
3
Document review
The officer explains and checks the required documents.
4
Agreement explanation
Understand the rates, charges and payment amounts before signing.
Responsible financing