Discover Malaysia’s top ten commercial SME business loan providers, each offering tailored financing solutions for growth, working capital, and expansion.
Top 1 Maybank Business Loan Solutions
Maybank offers its SME Business Term Loan with amounts up to RM3 million. Interest rates start from 4.5% per annum, and repayment tenures span up to 10 years. This provider also includes a 12-month moratorium option for new businesses.
Top 2 CIMB SME Financing Packages
CIMB provides the SME Cash Pack facility with financing from RM50,000 to RM5 million. Rates are as low as 4.0% per annum for qualifying businesses. The package features a flexible drawdown option and a 100% digital application process.
Top 3 Public Bank Small Business Loans
Public Bank’s SME Restructuring Programme offers loans from RM100,000 up to RM10 million. Annual interest rates begin at 4.75%, and tenures can be up to 15 years. This provider also allows early settlement without penalty after 12 months.
Top 4 RHB Business Loan Options
RHB’s SME Fast Track Loan provides financing from RM50,000 to RM2 million. The interest rate is fixed at 5.0% per annum for the first two years. Businesses with at least one year of operations are eligible, and approval can be within three days.
Top 5 Hong Leong SME Loan Products
Hong Leong’s SME Term Loan i comes with amounts up to RM1 million. Rates start at 5.25% per annum, and the tenure extends up to seven years. This product features a green lane for digital businesses.
Top 6 UOB Small Business Capital
UOB offers the SME Working Capital Loan of up to RM1.5 million. The interest rate is competitive at 4.35% per annum for strong applicants. Repayment terms range from 12 to 60 months, with a 90-day grace period.
Top 7 OCBC SME Growth Financing
OCBC’s SME Property Loan provides amounts up to RM5 million for business asset acquisition. The rate is based on BR + 1.5% (currently around 4.0%). Tenure can be up to 20 years, and the loan covers up to 90% of property value.
Top 8 HSBC SME Business Lending
HSBC’s Business Loan comes with a maximum of RM3 million. The annual interest rate is pegged at 5.5% for new customers. Borrowers enjoy a free business current account and a 12-month interest-only payment option.
Top 9 Alliance Bank Commercial Loans
Alliance Bank’s SME Micro Loan offers amounts from RM5,000 to RM500,000. The flat rate is 4.99% per annum, with a maximum tenure of five years. This product is designed for micro‑enterprises with no collateral requirement.
Top 10 Funding Societies P2P Lending
Funding Societies provides peer-to-peer business financing up to RM3 million. Interest rates range from 8% to 18% per annum, depending on risk profile. This non-bank lender offers approval within 24 hours and a fully online process.
| Provider | Loan Amount | Interest Rate | Tenure | Key Feature |
|---|---|---|---|---|
| Maybank | Up to RM3M | From 4.5% p.a. | Up to 10 years | 12-month moratorium |
| CIMB | RM50K–RM5M | From 4.0% p.a. | Flexible | Digital application |
| Public Bank | RM100K–RM10M | From 4.75% p.a. | Up to 15 years | No early penalty after 12 months |
| RHB | RM50K–RM2M | 5.0% p.a. fixed first 2 years | Up to 7 years | 3-day approval |
| Hong Leong | Up to RM1M | From 5.25% p.a. | Up to 7 years | Green lane for digital businesses |
| UOB | Up to RM1.5M | From 4.35% p.a. | 12–60 months | 90-day grace period |
| OCBC | Up to RM5M | BR+1.5% (~4.0%) | Up to 20 years | Up to 90% property value |
| HSBC | Up to RM3M | 5.5% p.a. | Up to 10 years | Interest-only payment option |
| Alliance Bank | RM5K–RM500K | 4.99% p.a. flat | Up to 5 years | No collateral required |
| Funding Societies | Up to RM3M | 8%–18% p.a. | Up to 36 months | 24-hour approval |
Ready to Accelerate Your Digital Growth Strategy?
Partner with an industry-leading digital agency to upscale your infrastructure today.
