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Business loan
Business Loans for SSM-Registered SMEs.
Working capital of RM10,000 – RM1,000,000 for your stock, equipment or cash flow.
Key terms
Business Loan at a Glance
- Amount: RM10,000 – RM1,000,000
- Interest: up to 18% a year (unsecured) or 12% (secured)
- Collateral: unsecured or secured
- Tenure: set out in your written offer
- Payout: bank transfer to your business account
This loan comes from us as a licensed moneylender, not a government scheme or a bank. Every term is set out in a written offer.
Licensed moneylender under the Moneylenders Act 1951, KPKT Licence No. WL4248/10/01-12/130928. Approval is subject to our assessment.
Costs
What You Pay
Every cost is set out in a written offer before you sign the agreement.
Interest within the legal limit
Up to 18% a year unsecured, or up to 12% a year if secured, under the Moneylenders Act 1951.
No upfront fees
Apart from interest, you only pay stamp duty, fees payable by law and legal costs. No processing fee.
Late payment
If an instalment is late, simple interest of at most 8% a year applies to the overdue amount only. No compound interest.
Who it suits
Who Should Apply?
SSM-registered sole proprietors, partnerships and Sdn. Bhd. companies that are already trading with steady cash flow.
Suitable for
- Sole proprietors and partnerships
- Sdn. Bhd. companies
- Businesses already trading
- Steady monthly cash flow
Common uses
- Day-to-day working capital
- Buying stock
- Equipment and machinery
- Business expansion
Eligibility & documents
Business Loan Eligibility and Documents
Prepare these documents to speed up your assessment.
Eligibility
- Business registered with SSM
- Owner or director is a Malaysian citizen aged 21–60
- Business currently trading
- Active business bank account
Documents
- SSM registration certificate
- Latest 6 months' business bank statements
- Copy of the owner's or director's MyKad
- Latest management accounts or financial statements (if any)
- Company profile (if any)
FAQs
Business Loan FAQs
How much can my business borrow?
RM10,000 to RM1,000,000, depending on your business cash flow and ability to repay.
What is the interest rate?
Up to 18% a year unsecured, or up to 12% a year if secured. No compound interest.
Is this a government scheme?
No. It is a loan from us as a licensed moneylender.
Can I apply with a CCRIS or CTOS record?
You can apply. We assess every application individually and do not guarantee approval.
Which businesses can apply?
Sole proprietors, partnerships and Sdn. Bhd. companies that are registered with SSM and currently trading.
Which documents do I need?
Your SSM certificate, 6 months’ business bank statements and the owner’s or director’s MyKad. We may ask for more documents.
Is SuperPinjamMan a licensed moneylender?
Yes. We are licensed under the Moneylenders Act 1951, KPKT Licence No. WL4248/10/01-12/130928, valid 14/09/2026 – 13/09/2028.
Ready to Apply?
Fill in the form and our officer will contact you within 5 minutes during office hours (Mon–Fri, 9:00am – 6:00pm).
SuperPinjamMan is a KPKT-licensed moneylender. Personal, debt consolidation, property-secured and business loans with written agreements and rates within the legal limit.
Areas: Selangor · Kuala Lumpur · Penang · Johor · Putrajaya · Negeri Sembilan
Loans
Help & Guides
About
Our Company
SSM Registration No.
200001016954 (519561-V)
KPKT Licence
WL4248/10/01-12/130928
Licence Validity
14/09/2026 – 13/09/2028
Interest Rate
Up to 18% a year (unsecured) / 12% (secured)
SuperPinjamMan is a moneylender licensed under the Moneylenders Act 1951 (KPKT licence no. WL4248/10/01-12/130928). Approval is subject to our assessment. Borrow only what you can afford to repay. We never ask you to transfer money as a processing fee or deposit to release a loan.
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