SME financing

See what your business could realistically borrow — and what it'd cost.

Tell us about your business and what the financing is for. We'll estimate your repayment and check it against your revenue, and flag whether a conventional term loan or a government-backed scheme fits your stage better.

Stage matters — new businesses have different options than established ones Purpose matters — working capital, equipment and expansion price differently Cash flow matters — repayment is checked against revenue, not just approval odds

Your business

This determines which financing routes are realistic.

Business registration

How long has it been operating?

Cash flow

Average monthly revenue

Existing business loan / financing repayments (monthly)

What you need

Purpose

Amount you're looking to borrow

Common questions

SME financing, explained

What interest rate should I expect for an SME loan?

This calculator illustrates a reducing-balance SME term loan at 6.5%–9.5% p.a. Your actual rate depends on the lender's assessment of your business, and may differ significantly for government-guaranteed or microfinance schemes.

My business isn't registered yet — can I still get financing?

You'll generally need to register your business with SSM before approaching most banks. Before that, microfinance options like TEKUN or BSN, or government-guaranteed schemes, are often more accessible.

What is a government-guaranteed SME loan scheme?

These are schemes backed by SJPP (Syarikat Jaminan Pembiayaan Perniagaan) or delivered via microfinance providers like TEKUN and BSN — typically more accessible than a conventional bank term loan for newer or smaller businesses.