Solution for business owners to grow your business
SME Micro Financing
Our Promise
Financing Solutions to Help Your Business Grow
No Hidden Charges
Application is completely free with no upfront payment, processing fee, or deposit required.
Easy & Convenient
Apply 100% online from anywhere in Malaysia with no collateral needed.
Our Promise
Applying for a loan can be stressful. We’re here to help.
Clear & Transparent
Enjoy transparent rates with no hidden charges, surprise fees, or upfront payments.
100% Free Service
Our consultation and application support are completely free — we never charge any upfront fees at any stage.
Required Documents*
- NRIC (front and back)
- Latest 6 months bank statements
*Additional documents may be requested for Partnership and Private Limited (Sdn. Bhd.) companies.
Eligibility Requirements
- Sole Proprietorship, Partnership, or Private Limited Company (Sdn. Bhd.) registered with SSM or local authorities in Sabah & Sarawak
- Minimum 6 months of active business operations
- Minimum business income or revenue of RM3,000 per month
How to Apply for SME Micro Finance
3 Get Approval & Funds
Once approved, sign the financing agreement online and receive your funds quickly.
A better way to financial freedom
Frequently Asked Questions
SME Micro Financing is a financing solution designed to support SMEs with working capital and business expansion needs.
It is offered through Direct Lending’s licensed financing partners. The application is 100% free with no upfront payment or deposit required.
Both Islamic and conventional financing options are available.
The interest or profit rate ranges from 0.8% to 1.5% per month, subject to approval.
The application is completely free with no upfront fees or deposit required.
A processing fee of 10% (including stamp duty and guarantee fee) will be deducted upon disbursement of the financing amount.
Financing amounts can go up to RM200,000 depending on eligibility, income, and credit profile.
Repayment tenure is flexible from 6 to 18 months.
Applicants must be a registered business entity such as Sole Proprietorship, Partnership, LLP, or Sdn. Bhd.
Requirements include at least 6 months in operation, minimum RM3,000 monthly revenue, and a clean financial and legal record.
No collateral or guarantor is required. This is an unsecured financing facility.
Approval typically takes up to 3 working days after complete document submission.
Funds are usually disbursed within 2 working days after signing the agreement.
Simply click “Chat on WhatsApp” and share your business needs.
Submit your documents and receive guidance from our financing consultant.
Once approved, sign the agreement online and receive your funds directly.
*Terms & Conditions apply. SME Micro Financing is provided by our trusted business partners (licensed lenders or financiers). Application via Direct Lending is 100% free, with no upfront payment or deposit required.
As a representative example, for a financing amount of RM100,000 over a 12-month tenure at an annual interest/profit rate of 18%, the total repayment amount at the end of the tenure will be RM118,000.*
Contact us today for more details
Our fast approval process and competitive interest rates will make it an ideal choice for your loan needs