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  List of banking institutions in Malaysia
  List of development financial institutions
  Bank Negara Malaysia
  Foreign Exchange Administration
  Credit Bureau

Besides asset financing, your business needs working capital for day-to-day running of your business. There are various products offered by financial institutions for this purpose to help you run your business and these include:
Things I Should Know

Documents required for loan application

Loan application process

Your rights and responsibilities as a borrower

Rehabilitaton fund for small businesses

Government programmes for SMEs
What Else Can I Do?

Download the booklet on SME - financing products for your business

Prepare a business plan for my loan application
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  Overdraft (OD) Revolving Credit Factoring
To meet working capital needs such as payment of salaries, purchases, utilities etc.
Short-term in nature to meet short-term working capital requirements
To obtain short term financing of trade debts (sale of goods to customers on credit terms)
Made available via
current account
A form of loan granted for a fixed period
Financial institution purchases client’s trade invoices at a discount from the face value of the invoices and provides cash advances for business purposes
Interest is calculated on a
daily basis on outstanding balance at the end of each business day
Convenient for companies with good financial standing
A commitment fee of 1% is charged on the unutilised portion of the facility
Drawdowns by means of letter from the SME to the financial institution stating the period of the loan required
Flexibility in funds management provided the facilities are properly conducted and the business continues to operate satisfactorily
Lower financing costs
Quick and easy cash advances
Continuous availability of funds
No collateral required
Able to sell on more competitive terms to credit customers
For more information on working capital or other financing products such asasset acquisition, trade financing and trade services , please download our booklet on SME- Financing Products For Your Business.