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SME Loan

Are you a young entrepreneur or an aspiring new startup looking for funds? If yes, then you are in the right place. Our SME Micro Loan is a financial product specifically designed for Small to Medium Enterprises. We are among the leading Malaysia Licensed Moneylender operating in the industry.

Pinjaman Mikro is offering SME Loan to assist novice and veteran enterprises seeking;

  • Expansion
  • Optimization
  • Cash flow rehabilitation
  • Scalability

Many people dream of building something big for themselves. The desire to own and have something to build from scratch to the peak is present in several people. For many people, this desire manifests itself in the form of owning a business.

Owning a business comes with many challenges. The least of which is not having to source for funds. Capital is the crucial ingredient required for the success of any business. For many of these businesses, the required capital is often beyond what any individual can raise from family and friends. The capital would often have to be sourced from external sources, most notably banks. Banks, however, have a reputation of being extremely difficult sources to raise capital from. This is despite the fact that many of the aspiring business owners that get turned down are credit worthy and do not deserve the rejection of the banks.

For many people, the rejection of their loan bids can put a serious dent in their desire to own a business and many people end up giving up. Your desire to own your own business does not have to be put under threat by any bank rejection. This is why Pinjaman Mikro, a licensed and moneylender in Malaysia that is registered with the Ministry of Law was established, to help out business owners to get SME loans in Malaysia. With high approval rates, we provide financial help for business owners that are seeking to start up their own businesses.

You can come to us to receive a cash loan having at the back of your mind that we offer our loans at ridiculously low interest rates with a flexible loan repayment scheme.

We undoubtedly offer the best business loan that you can find in Malaysia without even going out as we are also an online money lender!

Online Application

Repayment Scheme 1.5% One Month (Unsecured Loan)

Total Loan 6 Months 1 Year 2 Years 3 Years 4 Years 5 Years
1,000.00 181.67 98.33 56.67 42.78 35.83 31.67
2,000.00 363.33 196.67 113.33 85.55 71.67 63.33
3,000.00 545.00 295.00 170.00 128.33 107.50 95.00
4,000.00 726.67 393.33 226.67 171.11 143.33 126.67
5,000.00 908.33 491.67 283.33 213.89 179.17 158.33
6,000.00 1,090.00 590.00 340.00 256.67 215.00 190.00
7,000.00 1,271.67 688.33 396.67 299.44 250.83 221.67
8,000.00 1,453.33 786.67 453.33 342.22 286.67 253.33
9,000.00 1,635.00 885.00 510.00 385.00 322.50 285.00
10,000.00 1,816.67 983.33 566.67 427.78 358.33 316.67

Repayment Scheme 1.0% One Month (Secured Loan)

Total Loan 6 Months 1 Year 2 Years 3 Years 4 Years 5 Years
1,000.00 176.67 93.33 51.67 37.78 30.83 26.67
2,000.00 353.33 186.67 103.33 75.56 61.67 5 3.33
3,000.00 530.00 280.00 155.00 113.33 92.50 80.00
4,000.00 706.67 373.33 206.67 151.11 123.33 106.67
5,000.00 888.33 466.67 258.33 188.89 154.17 133.33
6,000.00 1,060.00 560.00 310.00 226.67 185.00 160.00
7,000.00 1,236.67 653.33 361.67 264.44 215.83 186.67
8,000.00 1,413.33 746.67 413.33 302.22 246.67 213.33
9,000.00 1,5900.00 840.00 465.00 340.00 277.50 240.00
10,000.00 1,766.67 933.33 516.67 377.78 308.33 266.67
THE RANGE OF SERVICES PROVIDED FROM US ARE AS BELOW:

1. Personal Loan

2. Instant Loan

3. Mortgage Loan

4. Financial Consultancy

With the above services, we believe we are ready to access your need with effective solution.

 

IF YOU ARE INTERESTED TO APPLY FOR THE LOAN, PLEASE PREPARE THE DOCUMENTS AS LISTED BELOW:

1. Title Deeds

2. Photocopy IC

3. Address Of The Property (Utilities Bill)

4. Latest Three Months Salaries Slips

5. Latest Three Months bank Statements

6. KWSP Statements (EPF)

 

LICENSE DETAIL
Lesen No : WL5027/06/01-6/0803189
Valid From : 09/03/2018 -08/03/2024
Permit No : WL5027/06/01-6/0803189
Valid From : 09/03/2018 -08/03/2024
Annual insecure loan interest rate : 18% yearly
Annual secure loan interest rate : 12% yearly
No Other Hidden Fees

THINGS YOU SHOULD KNOW ON BORROWING:

  • Maximum Period for Repayment Up to 12 Months
  • Minimum Annual Percentage Rate From 12% per annum
  • Maximum Annual Percentage Rate Up to 18% per annum

Sample representation of loan with maximum rates:
Total Amount Borrowed RM1000
Time Period * 12 Months
Interest Rate ** 1.5% Per Month
Total Cost Payable Per Annual *** (excluding loan principle) RM180

FURTHER INFORMATION & REQUIREMENTS

  • Loan Tenure 90 days -24 months
  • Maximum Interest Rate (APR): 18%
  • Zero Application/Processing Fees
  • Malaysian citizen
  • 18 years of age and above
  • Government employees
  • Factory workers
  • Private employees
  • Pension
  • Salaries through bank
  • Blacklist are eligible to apply

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