Top 5 SME Loan Options in Malaysia (2025 Update)

Running a small or medium-sized business (SME) in Malaysia? Whether you're expanding your operations, managing cash flow, or launching a new project, securing the right financing is key to success.

In this guide, we’ll walk you through the top 5 SME loan options in Malaysia for 2025, comparing features, eligibility, and who they’re best suited for.

🏦 1. Bank Negara Malaysia – BNM Special Relief Facility (SRF)

Best for: SMEs needing soft loans post-COVID or during economic downturns
Loan Amount: Up to RM500,000
Interest Rate: As low as 3.5% p.a.
Repayment Term: Up to 5 years
Eligibility: Malaysian SMEs with >51% local ownership

This government-backed fund supports businesses affected by economic disruptions. It’s a go-to option for companies needing low-interest loans fast.

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🧾 2. Maybank SME First Account Financing

Best for: Startups and newly established SMEs
Loan Amount: Up to RM300,000
Interest Rate: Competitive (based on profile)
Repayment Term: Up to 7 years
Features: No collateral required for certain amounts

Maybank offers a range of SME loans, including first-time business owners with minimal documentation and simplified approval.

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💼 3. CIMB SME BizLoan

Best for: Fast access to funds without collateral
Loan Amount: RM50,000 – RM500,000
Interest Rate: 6.5% – 9%
Approval Speed: Within 5 working days

CIMB’s BizLoan is designed for SMEs with good business cash flow but limited assets to pledge. Great for service-based businesses or sole proprietors.

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📊 4. RHB BizPower SME Loan

Best for: Growing SMEs with strong financials
Loan Amount: Up to RM1,000,000
Features: Working capital or asset purchase
Repayment Term: Up to 7 years

This flexible solution supports both capital and equipment needs. RHB also provides business advisory services.

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🚀 5. ATUZ Solution – Custom SME Financing (Non-Bank)

Best for: Quick funding with flexible approval criteria
Loan Amount: Tailored to your business
Repayment Term: Flexible plans
Turnaround Time: Fast approval & disbursement
Location: Penang-based support with online access across Malaysia

At ATUZ Solution, we provide personalized SME loans without red tape. Our team helps you structure financing based on your business flow, documents, and future projections. Whether you’re facing urgent cash flow issues or planning expansion, we’re here to support your growth.

🎯 How to Choose the Right SME Loan

When comparing loans, consider:

• ✅ Interest rate & hidden fees

• ✅ Monthly repayment commitment

• ✅ Processing time

• ✅ Flexibility of approval

• ✅ Support team availability

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📞 Need Help Getting the Right SME Loan?

If you’re unsure which loan suits your business, our team at ATUZ Solution offers free consultation. We help SMEs across Malaysia, especially in Penang, access funding without stress.

👉 Whatsapp us NOW
 

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