{"id":25603,"date":"2026-05-04T17:37:19","date_gmt":"2026-05-04T17:37:19","guid":{"rendered":"https:\/\/redzo.com.my\/gw\/?page_id=25603"},"modified":"2026-05-10T15:40:25","modified_gmt":"2026-05-10T15:40:25","slug":"sme-micro-financing","status":"publish","type":"page","link":"https:\/\/redzo.com.my\/gw\/sme-micro-financing\/","title":{"rendered":"SME Micro Financing"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"25603\" class=\"elementor elementor-25603\">\n\t\t\t\t<div class=\"elementor-element elementor-element-75e32b77 e-flex e-con-boxed e-con e-parent\" data-id=\"75e32b77\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6919415c e-con-full e-flex e-con e-child\" data-id=\"6919415c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2bb8399d animated-fast elementor-invisible elementor-widget elementor-widget-elementskit-heading\" data-id=\"2bb8399d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:100,&quot;ekit_we_effect_on&quot;:&quot;css&quot;}\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper text_center   ekit_heading_tablet-   ekit_heading_mobile-text_center\"><h6 class=\"elementskit-section-subtitle  \">\n\t\t\t\t\t\tSolution for business owners to grow your business\n\t\t\t\t\t<\/h6><h1 class=\"ekit-heading--title elementskit-section-title \">SME <span>Micro<\/span> Financing<\/h1><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-25c81cfe elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"25c81cfe\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\n\nGet safe and fast financing for your business with no upfront fees and no collateral required. Designed for registered SSM business owners with active business operations.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4c73d78d animated-fast elementor-invisible elementor-widget elementor-widget-elementskit-breadcrumb\" data-id=\"4c73d78d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:100,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-breadcrumb.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><ol class=\"ekit-breadcrumb\"><li class=\"ekit_breadcrumbs_start\"><a href=\"https:\/\/redzo.com.my\/gw\">Home<\/a><\/li><\/ol><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7b749571 e-flex e-con-boxed e-con e-parent\" data-id=\"7b749571\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-1954f2c3 e-con-full e-flex e-con e-child\" data-id=\"1954f2c3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-213b8e93 e-con-full e-flex e-con e-child\" data-id=\"213b8e93\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-5376e001 e-con-full e-flex e-con e-child\" data-id=\"5376e001\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4b5a4df2 animated-fast elementor-widget__width-initial elementor-invisible elementor-widget elementor-widget-elementskit-heading\" data-id=\"4b5a4df2\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:100,&quot;ekit_we_effect_on&quot;:&quot;css&quot;}\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper text_center   ekit_heading_tablet-   ekit_heading_mobile-text_left\"><h5 class=\"elementskit-section-subtitle   ekit-heading__subtitle-has-border\">\n\t\t\t\t\t\tOur Promise \n\t\t\t\t\t<\/h5><h2 class=\"ekit-heading--title elementskit-section-title \">Financing Solutions to <span>Help Your Business<\/span> Grow<\/h2><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-67e89d79 e-con-full e-flex e-con e-child\" data-id=\"67e89d79\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-7a4827a7 e-con-full e-flex e-con e-child\" data-id=\"7a4827a7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-12a138ad widget-link-underline animated-fast ekit-equal-height-enable elementor-invisible elementor-widget elementor-widget-elementskit-icon-box\" data-id=\"12a138ad\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:0,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >        <!-- link opening -->\n                <a href=\"#\" class=\"ekit_global_links\">\n                <!-- end link opening -->\n\n        <div class=\"elementskit-infobox text-left text-left icon-top-align elementor-animation-float   \">\n                    <div class=\"elementskit-box-header elementor-animation-\">\n                <div class=\"elementskit-info-box-icon  \">\n                    <i aria-hidden=\"true\" class=\"elementkit-infobox-icon icon icon-customer-support\"><\/i>\n                <\/div>\n          <\/div>\n                        <div class=\"box-body\">\n                            <h4 class=\"elementskit-info-box-title\">\n                    Fast Approval                <\/h4>\n                        \t\t  \t<p>Get approval within 3\u20134 working days with both Conventional and Islamic financing options available.<\/p>\n                                <\/div>\n        \n        \n                <\/div>\n                <\/a>\n        <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-42846bdc e-con-full e-flex e-con e-child\" data-id=\"42846bdc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4351f341 widget-link-underline animated-fast ekit-equal-height-enable elementor-invisible elementor-widget elementor-widget-elementskit-icon-box\" data-id=\"4351f341\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:100,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >        <!-- link opening -->\n                <a href=\"#\" class=\"ekit_global_links\">\n                <!-- end link opening -->\n\n        <div class=\"elementskit-infobox text-left text-left icon-top-align elementor-animation-float   \">\n                    <div class=\"elementskit-box-header elementor-animation-\">\n                <div class=\"elementskit-info-box-icon  \">\n                    <i aria-hidden=\"true\" class=\"elementkit-infobox-icon icon icon-steering-wheel\"><\/i>\n                <\/div>\n          <\/div>\n                        <div class=\"box-body\">\n                            <h4 class=\"elementskit-info-box-title\">\n                    Affordable Repayment                <\/h4>\n                        \t\t  \t<p>Enjoy competitive interest\/profit rates from 0.8% to 1.5% per month with flexible repayment tenure up to 18 months.<\/p>\n                                <\/div>\n        \n        \n                <\/div>\n                <\/a>\n        <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-26961d9 e-con-full e-flex e-con e-child\" data-id=\"26961d9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-689e5c9d widget-link-underline animated-fast ekit-equal-height-enable elementor-invisible elementor-widget elementor-widget-elementskit-icon-box\" data-id=\"689e5c9d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:300,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >        <!-- link opening -->\n                <!-- end link opening -->\n\n        <div class=\"elementskit-infobox text-left text-left icon-top-align elementor-animation-float   \">\n                    <div class=\"elementskit-box-header elementor-animation-\">\n                <div class=\"elementskit-info-box-icon  \">\n                    <i aria-hidden=\"true\" class=\"elementkit-infobox-icon icon icon-umbrella\"><\/i>\n                <\/div>\n          <\/div>\n                        <div class=\"box-body\">\n                            <h4 class=\"elementskit-info-box-title\">\n                    No Hidden Charges                <\/h4>\n                        \t\t  \t<p>\nApplication is completely free with no upfront payment, processing fee, or deposit required.<\/p>\n                                <\/div>\n        \n        \n                <\/div>\n        <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ec3b43e e-con-full e-flex e-con e-child\" data-id=\"ec3b43e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6a10396 widget-link-underline animated-fast ekit-equal-height-enable elementor-invisible elementor-widget elementor-widget-elementskit-icon-box\" data-id=\"6a10396\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:300,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >        <!-- link opening -->\n                <!-- end link opening -->\n\n        <div class=\"elementskit-infobox text-left text-left icon-top-align elementor-animation-float   \">\n                    <div class=\"elementskit-box-header elementor-animation-\">\n                <div class=\"elementskit-info-box-icon  \">\n                    <i aria-hidden=\"true\" class=\"elementkit-infobox-icon icon icon-umbrella\"><\/i>\n                <\/div>\n          <\/div>\n                        <div class=\"box-body\">\n                            <h4 class=\"elementskit-info-box-title\">\n                    Easy &amp; Convenient                <\/h4>\n                        \t\t  \t<p>Apply 100% online from anywhere in Malaysia with no collateral needed.<\/p>\n                                <\/div>\n        \n        \n                <\/div>\n        <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f155b3b e-flex e-con-boxed e-con e-parent\" data-id=\"f155b3b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-3a30fa8 e-con-full e-flex e-con e-child\" data-id=\"3a30fa8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-c70d5ef e-con-full e-flex e-con e-child\" data-id=\"c70d5ef\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-d2ed609 e-con-full e-flex e-con e-child\" data-id=\"d2ed609\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5516f09 animated-fast elementor-widget__width-initial elementor-invisible elementor-widget elementor-widget-elementskit-heading\" data-id=\"5516f09\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:100,&quot;ekit_we_effect_on&quot;:&quot;css&quot;}\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper text_center   ekit_heading_tablet-   ekit_heading_mobile-text_left\"><h5 class=\"elementskit-section-subtitle   ekit-heading__subtitle-has-border\">\n\t\t\t\t\t\tOur Promise \n\t\t\t\t\t<\/h5><h2 class=\"ekit-heading--title elementskit-section-title \">Applying for a loan can be stressful. <span>We\u2019re here to help.<\/h2><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-413bc37 e-con-full e-flex e-con e-child\" data-id=\"413bc37\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-eebf65e e-con-full e-flex e-con e-child\" data-id=\"eebf65e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-087b778 widget-link-underline animated-fast ekit-equal-height-enable elementor-invisible elementor-widget elementor-widget-elementskit-icon-box\" data-id=\"087b778\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:0,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >        <!-- link opening -->\n                <a href=\"#\" class=\"ekit_global_links\">\n                <!-- end link opening -->\n\n        <div class=\"elementskit-infobox text-left text-left icon-top-align elementor-animation-float   \">\n                    <div class=\"elementskit-box-header elementor-animation-\">\n                <div class=\"elementskit-info-box-icon  \">\n                    <i aria-hidden=\"true\" class=\"elementkit-infobox-icon icon icon-customer-support\"><\/i>\n                <\/div>\n          <\/div>\n                        <div class=\"box-body\">\n                            <h4 class=\"elementskit-info-box-title\">\n                    Your Financing Needs Come First                <\/h4>\n                        \t\t  \t<p>We are committed to helping you find the right financing solution by working only with trusted and licensed financing partners.<\/p>\n                                <\/div>\n        \n        \n                <\/div>\n                <\/a>\n        <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-39d327c e-con-full e-flex e-con e-child\" data-id=\"39d327c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e1f2f26 widget-link-underline animated-fast ekit-equal-height-enable elementor-invisible elementor-widget elementor-widget-elementskit-icon-box\" data-id=\"e1f2f26\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:100,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >        <!-- link opening -->\n                <a href=\"#\" class=\"ekit_global_links\">\n                <!-- end link opening -->\n\n        <div class=\"elementskit-infobox text-left text-left icon-top-align elementor-animation-float   \">\n                    <div class=\"elementskit-box-header elementor-animation-\">\n                <div class=\"elementskit-info-box-icon  \">\n                    <i aria-hidden=\"true\" class=\"elementkit-infobox-icon icon icon-steering-wheel\"><\/i>\n                <\/div>\n          <\/div>\n                        <div class=\"box-body\">\n                            <h4 class=\"elementskit-info-box-title\">\n                    Simple &amp; Convenient                <\/h4>\n                        \t\t  \t<p>Our dedicated financing consultants guide you every step of the way. Get your approval result in as fast as 3 working days and receive your funds in as fast as 2 working days*.<\/p>\n                                <\/div>\n        \n        \n                <\/div>\n                <\/a>\n        <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-232aa48 e-con-full e-flex e-con e-child\" data-id=\"232aa48\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c9e158f widget-link-underline animated-fast ekit-equal-height-enable elementor-invisible elementor-widget elementor-widget-elementskit-icon-box\" data-id=\"c9e158f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:300,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >        <!-- link opening -->\n                <!-- end link opening -->\n\n        <div class=\"elementskit-infobox text-left text-left icon-top-align elementor-animation-float   \">\n                    <div class=\"elementskit-box-header elementor-animation-\">\n                <div class=\"elementskit-info-box-icon  \">\n                    <i aria-hidden=\"true\" class=\"elementkit-infobox-icon icon icon-umbrella\"><\/i>\n                <\/div>\n          <\/div>\n                        <div class=\"box-body\">\n                            <h4 class=\"elementskit-info-box-title\">\n                    Clear &amp; Transparent                <\/h4>\n                        \t\t  \t<p>\n\nEnjoy transparent rates with no hidden charges, surprise fees, or upfront payments.<\/p>\n                                <\/div>\n        \n        \n                <\/div>\n        <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0866c84 e-con-full e-flex e-con e-child\" data-id=\"0866c84\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-89fe218 widget-link-underline animated-fast ekit-equal-height-enable elementor-invisible elementor-widget elementor-widget-elementskit-icon-box\" data-id=\"89fe218\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:300,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >        <!-- link opening -->\n                <!-- end link opening -->\n\n        <div class=\"elementskit-infobox text-left text-left icon-top-align elementor-animation-float   \">\n                    <div class=\"elementskit-box-header elementor-animation-\">\n                <div class=\"elementskit-info-box-icon  \">\n                    <i aria-hidden=\"true\" class=\"elementkit-infobox-icon icon icon-umbrella\"><\/i>\n                <\/div>\n          <\/div>\n                        <div class=\"box-body\">\n                            <h4 class=\"elementskit-info-box-title\">\n                    100% Free Service                <\/h4>\n                        \t\t  \t<p>Our consultation and application support are completely free \u2014 we never charge any upfront fees at any stage.<\/p>\n                                <\/div>\n        \n        \n                <\/div>\n        <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ec0ebea e-flex e-con-boxed e-con e-parent\" data-id=\"ec0ebea\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-9095369 e-con-full e-flex e-con e-child\" data-id=\"9095369\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-3a5e051 e-con-full e-flex e-con e-child\" data-id=\"3a5e051\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d007241 elementor-widget elementor-widget-text-editor\" data-id=\"d007241\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Required Documents*<\/h2><ul><li>NRIC (front and back)<\/li><li>Latest 6 months bank statements<\/li><\/ul><h6>*Additional documents may be requested for Partnership and Private Limited (Sdn. Bhd.) companies.<\/h6><h2>Eligibility Requirements<\/h2><ul><li>Sole Proprietorship, Partnership, or Private Limited Company (Sdn. Bhd.) registered with SSM or local authorities in Sabah &amp; Sarawak<\/li><li>Minimum 6 months of active business operations<\/li><li>Minimum business income or revenue of RM3,000 per month<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b7f7c81 e-con-full e-flex e-con e-child\" data-id=\"b7f7c81\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4e50479c e-flex e-con-boxed e-con e-parent\" data-id=\"4e50479c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-59578e8f e-con-full e-flex e-con e-child\" data-id=\"59578e8f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-2de68bcf e-con-full e-flex e-con e-child\" data-id=\"2de68bcf\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-afea6e6 e-con-full e-flex e-con e-child\" data-id=\"afea6e6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-73dc9843 animated-fast elementor-widget__width-initial elementor-invisible elementor-widget elementor-widget-elementskit-heading\" data-id=\"73dc9843\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:100,&quot;ekit_we_effect_on&quot;:&quot;css&quot;}\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper text_center   ekit_heading_tablet-   ekit_heading_mobile-text_left\"><h2 class=\"ekit-heading--title elementskit-section-title \">How to Apply for SME Micro Finance<\/h2><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-37cf6380 e-con-full e-flex e-con e-child\" data-id=\"37cf6380\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-49ab7876 e-con-full e-flex e-con e-child\" data-id=\"49ab7876\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-570968c3 widget-link-underline animated-fast ekit-equal-height-enable elementor-invisible elementor-widget elementor-widget-elementskit-icon-box\" data-id=\"570968c3\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:0,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >        <!-- link opening -->\n                <a href=\"#\" class=\"ekit_global_links\">\n                <!-- end link opening -->\n\n        <div class=\"elementskit-infobox text-left text-left icon-top-align elementor-animation-float   \">\n                    <div class=\"elementskit-box-header elementor-animation-\">\n                <div class=\"elementskit-info-box-icon  \">\n                    <i aria-hidden=\"true\" class=\"elementkit-infobox-icon icon icon-cursor\"><\/i>\n                <\/div>\n          <\/div>\n                        <div class=\"box-body\">\n                            <h4 class=\"elementskit-info-box-title\">\n                    1. Click \u201cChat on WhatsApp\u201d                <\/h4>\n                        \t\t  \t<p>Start by clicking the WhatsApp button and tell us your financing needs.<\/p>\n                                <\/div>\n        \n        \n                <\/div>\n                <\/a>\n        <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-50f4be3 e-con-full e-flex e-con e-child\" data-id=\"50f4be3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2084d412 widget-link-underline animated-fast ekit-equal-height-enable elementor-invisible elementor-widget elementor-widget-elementskit-icon-box\" data-id=\"2084d412\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:100,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >        <!-- link opening -->\n                <a href=\"#\" class=\"ekit_global_links\">\n                <!-- end link opening -->\n\n        <div class=\"elementskit-infobox text-left text-left icon-top-align elementor-animation-float   \">\n                    <div class=\"elementskit-box-header elementor-animation-\">\n                <div class=\"elementskit-info-box-icon  \">\n                    <i aria-hidden=\"true\" class=\"elementkit-infobox-icon icon icon-page_search\"><\/i>\n                <\/div>\n          <\/div>\n                        <div class=\"box-body\">\n                            <h4 class=\"elementskit-info-box-title\">\n                    2. Submit Your Documents                <\/h4>\n                        \t\t  \t<p>Send the required documents and receive personalised assistance from our loan consultant.<\/p>\n                                <\/div>\n        \n        \n                <\/div>\n                <\/a>\n        <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-659dc32c e-con-full e-flex e-con e-child\" data-id=\"659dc32c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7df61633 widget-link-underline animated-fast ekit-equal-height-enable elementor-invisible elementor-widget elementor-widget-elementskit-icon-box\" data-id=\"7df61633\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:300,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >        <!-- link opening -->\n                <!-- end link opening -->\n\n        <div class=\"elementskit-infobox text-left text-left icon-top-align elementor-animation-float   \">\n                    <div class=\"elementskit-box-header elementor-animation-\">\n                <div class=\"elementskit-info-box-icon  \">\n                    <i aria-hidden=\"true\" class=\"elementkit-infobox-icon icon icon-checked1\"><\/i>\n                <\/div>\n          <\/div>\n                        <div class=\"box-body\">\n                            <h4 class=\"elementskit-info-box-title\">\n                     3 Get Approval &amp; Funds                <\/h4>\n                        \t\t  \t<p>Once approved, sign the financing agreement online and receive your funds quickly.<\/p>\n                                <\/div>\n        \n        \n                <\/div>\n        <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-55b9fcdc e-flex e-con-boxed e-con e-parent\" data-id=\"55b9fcdc\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-434e200e animated-fast elementor-invisible elementor-widget elementor-widget-elementskit-heading\" data-id=\"434e200e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:100,&quot;ekit_we_effect_on&quot;:&quot;css&quot;}\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper text_center   ekit_heading_tablet-   ekit_heading_mobile-text_left\"><h6 class=\"elementskit-section-subtitle   ekit-heading__subtitle-has-border\">\n\t\t\t\t\t\t A better way to financial freedom\n\t\t\t\t\t<\/h6><h2 class=\"ekit-heading--title elementskit-section-title \">Frequently Asked Questions<\/h2><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2946db95 e-con-full e-flex e-con e-child\" data-id=\"2946db95\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-3ce3b635 e-con-full e-flex e-con e-child\" data-id=\"3ce3b635\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-4421de25 e-con-full e-flex e-con e-child\" data-id=\"4421de25\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-32a5189e elementor-widget elementor-widget-html\" data-id=\"32a5189e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"faq-card\">\r\n    <div class=\"faq-header\">\r\n        <!-- Header can be added here if needed -->\r\n    <\/div>\r\n\r\n    <div class=\"accordion-wrapper\" id=\"accordionRoot\">\r\n\r\n        <!-- FAQ 1 -->\r\n        <div class=\"faq-item\">\r\n            <div class=\"faq-question\" role=\"button\" tabindex=\"0\">\r\n                <span class=\"question-title\">What is SME Micro Financing?<\/span>\r\n                <div class=\"icon-box\">\r\n                    <span class=\"icon-plus\">+<\/span>\r\n                    <span class=\"icon-minus\">\u2212<\/span>\r\n                <\/div>\r\n            <\/div>\r\n            <div class=\"faq-answer\">\r\n                <p>SME Micro Financing is a financing solution designed to support SMEs with working capital and business expansion needs.<\/p>\r\n                <p>It is offered through Direct Lending\u2019s licensed financing partners. The application is 100% free with no upfront payment or deposit required.<\/p>\r\n                <p>Both Islamic and conventional financing options are available.<\/p>\r\n            <\/div>\r\n        <\/div>\r\n\r\n        <!-- FAQ 2 -->\r\n        <div class=\"faq-item\">\r\n            <div class=\"faq-question\" role=\"button\" tabindex=\"0\">\r\n                <span class=\"question-title\">What is the interest or profit rate?<\/span>\r\n                <div class=\"icon-box\">\r\n                    <span class=\"icon-plus\">+<\/span>\r\n                    <span class=\"icon-minus\">\u2212<\/span>\r\n                <\/div>\r\n            <\/div>\r\n            <div class=\"faq-answer\">\r\n                <p>The interest or profit rate ranges from 0.8% to 1.5% per month, subject to approval.<\/p>\r\n            <\/div>\r\n        <\/div>\r\n\r\n        <!-- FAQ 3 -->\r\n        <div class=\"faq-item\">\r\n            <div class=\"faq-question\" role=\"button\" tabindex=\"0\">\r\n                <span class=\"question-title\">Are there any fees involved?<\/span>\r\n                <div class=\"icon-box\">\r\n                    <span class=\"icon-plus\">+<\/span>\r\n                    <span class=\"icon-minus\">\u2212<\/span>\r\n                <\/div>\r\n            <\/div>\r\n            <div class=\"faq-answer\">\r\n                <p>The application is completely free with no upfront fees or deposit required.<\/p>\r\n                <p>A processing fee of 10% (including stamp duty and guarantee fee) will be deducted upon disbursement of the financing amount.<\/p>\r\n            <\/div>\r\n        <\/div>\r\n\r\n        <!-- FAQ 4 -->\r\n        <div class=\"faq-item\">\r\n            <div class=\"faq-question\" role=\"button\" tabindex=\"0\">\r\n                <span class=\"question-title\">How much can I apply for and what is the tenure?<\/span>\r\n                <div class=\"icon-box\">\r\n                    <span class=\"icon-plus\">+<\/span>\r\n                    <span class=\"icon-minus\">\u2212<\/span>\r\n                <\/div>\r\n            <\/div>\r\n            <div class=\"faq-answer\">\r\n                <p>Financing amounts can go up to RM200,000 depending on eligibility, income, and credit profile.<\/p>\r\n                <p>Repayment tenure is flexible from 6 to 18 months.<\/p>\r\n            <\/div>\r\n        <\/div>\r\n\r\n        <!-- FAQ 5 -->\r\n        <div class=\"faq-item\">\r\n            <div class=\"faq-question\" role=\"button\" tabindex=\"0\">\r\n                <span class=\"question-title\">Who is eligible to apply?<\/span>\r\n                <div class=\"icon-box\">\r\n                    <span class=\"icon-plus\">+<\/span>\r\n                    <span class=\"icon-minus\">\u2212<\/span>\r\n                <\/div>\r\n            <\/div>\r\n            <div class=\"faq-answer\">\r\n                <p>Applicants must be a registered business entity such as Sole Proprietorship, Partnership, LLP, or Sdn. Bhd.<\/p>\r\n                <p>Requirements include at least 6 months in operation, minimum RM3,000 monthly revenue, and a clean financial and legal record.<\/p>\r\n            <\/div>\r\n        <\/div>\r\n\r\n        <!-- FAQ 6 -->\r\n        <div class=\"faq-item\">\r\n            <div class=\"faq-question\" role=\"button\" tabindex=\"0\">\r\n                <span class=\"question-title\">Do I need collateral or a guarantor?<\/span>\r\n                <div class=\"icon-box\">\r\n                    <span class=\"icon-plus\">+<\/span>\r\n                    <span class=\"icon-minus\">\u2212<\/span>\r\n                <\/div>\r\n            <\/div>\r\n            <div class=\"faq-answer\">\r\n                <p>No collateral or guarantor is required. This is an unsecured financing facility.<\/p>\r\n            <\/div>\r\n        <\/div>\r\n\r\n        <!-- FAQ 7 -->\r\n        <div class=\"faq-item\">\r\n            <div class=\"faq-question\" role=\"button\" tabindex=\"0\">\r\n                <span class=\"question-title\">How long does approval take?<\/span>\r\n                <div class=\"icon-box\">\r\n                    <span class=\"icon-plus\">+<\/span>\r\n                    <span class=\"icon-minus\">\u2212<\/span>\r\n                <\/div>\r\n            <\/div>\r\n            <div class=\"faq-answer\">\r\n                <p>Approval typically takes up to 3 working days after complete document submission.<\/p>\r\n                <p>Funds are usually disbursed within 2 working days after signing the agreement.<\/p>\r\n            <\/div>\r\n        <\/div>\r\n\r\n        <!-- FAQ 8 -->\r\n        <div class=\"faq-item\">\r\n            <div class=\"faq-question\" role=\"button\" tabindex=\"0\">\r\n                <span class=\"question-title\">How do I apply?<\/span>\r\n                <div class=\"icon-box\">\r\n                    <span class=\"icon-plus\">+<\/span>\r\n                    <span class=\"icon-minus\">\u2212<\/span>\r\n                <\/div>\r\n            <\/div>\r\n            <div class=\"faq-answer\">\r\n                <p>Simply click \u201cChat on WhatsApp\u201d and share your business needs.<\/p>\r\n                <p>Submit your documents and receive guidance from our financing consultant.<\/p>\r\n                <p>Once approved, sign the agreement online and receive your funds directly.<\/p>\r\n            <\/div>\r\n        <\/div>\r\n\r\n    <\/div>\r\n<\/div>\r\n\r\n<script>\r\n(function() {\r\n    const faqItems = document.querySelectorAll('.faq-item');\r\n\r\n    function closeAllItems(exceptItem = null) {\r\n        faqItems.forEach(item => {\r\n            if (exceptItem !== item) item.classList.remove('active');\r\n        });\r\n    }\r\n\r\n    function toggleItem(item) {\r\n        const isActive = item.classList.contains('active');\r\n        closeAllItems(item);\r\n        if (!isActive) item.classList.add('active');\r\n    }\r\n\r\n    faqItems.forEach(item => {\r\n        const q = item.querySelector('.faq-question');\r\n\r\n        q.addEventListener('click', () => toggleItem(item));\r\n\r\n        q.addEventListener('keypress', (e) => {\r\n            if (e.key === 'Enter' || e.key === ' ') {\r\n                e.preventDefault();\r\n                toggleItem(item);\r\n            }\r\n        });\r\n    });\r\n\r\n    if (faqItems.length > 0) faqItems[0].classList.add('active');\r\n})();\r\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c5bb923 elementor-widget elementor-widget-text-editor\" data-id=\"c5bb923\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"0\" data-end=\"217\">*Terms &amp; 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.<\/p><p data-start=\"219\" data-end=\"420\" data-is-last-node=\"\" data-is-only-node=\"\">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.*<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-32e88f1b e-flex e-con-boxed e-con e-parent\" data-id=\"32e88f1b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-34179c2a animated-fast elementor-invisible elementor-widget elementor-widget-elementskit-heading\" data-id=\"34179c2a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;ekit_we_effect_on&quot;:&quot;css&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper text_center   ekit_heading_tablet-   ekit_heading_mobile-text_left\"><h2 class=\"ekit-heading--title elementskit-section-title \">Contact us <span><span>today <\/span><\/span> for more details<\/h2>\t\t\t\t<div class='ekit-heading__description'>\n\t\t\t\t\t<p>\u00a0Our fast approval process and competitive interest rates will make it an ideal choice for your loan needs<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3eb7ba4a elementor-align-center elementor-widget elementor-widget-button\" data-id=\"3eb7ba4a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Contact Us Now<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Solution for business owners to grow your business SME Micro Financing Get safe and fast financing for your business with no upfront fees and no collateral required. Designed for registered SSM business owners with active business operations. Home Our Promise Financing Solutions to Help Your Business Grow Fast Approval Get approval within 3\u20134 working days [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-25603","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>SME Micro Financing - Personal Loan Malaysia | Licensed Money Lender<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/redzo.com.my\/gw\/sme-micro-financing\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"SME Micro Financing - Personal Loan Malaysia | Licensed Money Lender\" \/>\n<meta property=\"og:description\" content=\"Solution for business owners to grow your business SME Micro Financing Get safe and fast financing for your business with no upfront fees and no collateral required. 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