Malaysian SME Loan Directory 2026
A complete, categorized list of official financial institutions offering business financing in Malaysia. Every provider listed here is licensed and regulated by Bank Negara Malaysia (BNM) or the Securities Commission (SC).
Commercial Banks (Regulated by BNM)
Traditional banks offering the highest loan quantum, lowest interest rates, but requiring strict credit checks, collateral, and audited accounts.
Maybank
Offers SME Clean Loan, Trade Finance, and SME Digital Financing.
CIMB Bank
Offers SME Business Loan, Micro Financing, and Green BizReady schemes.
Public Bank
Known for PB Enterprise schemes and excellent commercial property financing.
RHB Bank
Strong focus on SME supply chain financing and government-backed schemes.
Hong Leong Bank
HLB SME financing specializes in quick digital onboarding and working capital.
AmBank
Competitive rates for business term loans and equipment financing.
Alliance Bank
Digital SME loan approvals (Alliance Digital SME) known for fast turnaround.
Affin Bank
Affin SME financing offers customized solutions for retail and manufacturing.
OCBC Bank
Foreign bank with strong trade finance and cross-border SME capabilities.
HSBC Bank
Top choice for SMEs engaged in international import/export and MNC supply chains.
Development Financial Institutions - DFIs (Regulated by BNM)
Government-backed institutions that fulfill specific socio-economic mandates. They often finance sectors that commercial banks consider too risky.
SME Bank
Dedicated to SME growth, offering capacity-building programs and sector-specific funds.
Bank Rakyat
Largest Islamic cooperative bank offering Shariah-compliant micro and SME financing.
Agrobank
Specializes in financing for agriculture, agro-based industries, and rural enterprises.
EXIM Bank
Export-Import bank focusing on trade finance, buyer credit, and export insurance.
MIDF
Provides medium to long-term financing for manufacturing, services, and automation.
BSN
Offers BSN Micro/i financing schemes for very small businesses and sole proprietors.
Peer-to-Peer (P2P) Platforms (Regulated by SC)
Alternative digital financiers that connect retail/institutional investors directly to SMEs. Fast approvals, no collateral, but higher interest rates.
Funding Societies
Largest P2P platform in Malaysia. Unsecured business term loans and micro-financing.
CapBay
Award-winning platform focusing purely on Supply Chain Finance and Invoice Financing.
Fundaztic
Focuses on micro and small enterprises with a highly automated approval process.
B2B Finpal
Specializes in trade invoice financing and supply chain solutions.
microLEAP
Offers both Islamic and Conventional P2P financing for micro-enterprises.
Nusa Kapital
The world’s first fully Shariah-compliant P2P financing platform.
Other Licensed Financiers (Credit Community)
Licensed under KPKT, offering highly flexible and fast personal business loans for micro SMEs.
First N Ever Financing
Specializes in bridging the gap for micro/small enterprises with fast, highly customized personal SME loans. No rigid collateral required.
JCL Credit Leasing
A well-known licensed credit company in KL offering personal loans and business working capital tailored for micro-SMEs with fast processing.
AEON Credit Service
Provides highly accessible micro-financing and equipment financing options for small businesses without requiring heavy collateral.
ORIX Credit Malaysia
One of the pioneers in SME leasing and factoring in KL, providing tailored asset and working capital financing for expanding SMEs.
Chailease Berjaya Credit
Specializes in flexible business financing, including auto and equipment leasing for KL-based SMEs looking for alternative funding.
Pac Lease
A leading non-bank financier providing comprehensive hire purchase and term loan facilities designed for the local commercial sector.
ELK-Desa Capital
An established credit community in the Klang Valley focusing on accessible personal and micro-business loans for underserved segments.
Mitsubishi HC Capital
Offers robust supply chain and equipment financing solutions tailored for mid-to-large SMEs operating within Kuala Lumpur.
Emicro Services
A digital-first credit community offering rapid personal and micro SME loans with streamlined application processes.
Iconic Credit
Provides fast-approval, short-term bridging and personal business loans specifically targeting KL business owners in need of urgent liquidity.