Here are the Top 5 Business Loans with Low-Interest Rates in Malaysia (2025):
1. Alliance Bank Digital SME Loan
- Loan Amount: RM20,000 to RM500,000
- Interest Rate: As low as 5.9% per annum
- Repayment Term: Up to 7 years
- Eligibility: Businesses operating for at least 1 year with a minimum annual revenue of RM50,000
- Key Features: No collateral required, fast approval within a few days
More Details: Alliance Bank Digital SME Loan
2. UOB BizMoney
- Loan Amount: RM100,000 to RM1,000,000
- Interest Rate: Starting from 0.38% per month (approx. 4.56% per annum)
- Repayment Term: 18 to 60 months
- Eligibility: SMEs that meet UOB’s requirements
- Key Features: No collateral required, 1-day approval
More Details: UOB BizMoney
3. Funding Societies SME Micro Financing/-i
- Loan Amount: Up to RM100,000
- Interest Rate: Starting from 9.6% per annum
- Repayment Term: Up to 18 months
- Eligibility: Businesses operating for at least 6 months with an annual revenue of at least RM60,000
- Key Features: 100% online application, no collateral required
More Details: Funding Societies SME Micro Financing/-i
4. RHB SME Online Financing
- Loan Amount: RM50,000 to RM1,000,000
- Interest Rate: Starting from 8.45% per annum
- Repayment Term: Up to 5 years
- Eligibility: Businesses with an annual turnover between RM500,000 and RM25 million
- Key Features: Easy online application, no collateral required
More Details: RHB SME Online Financing
5. Maybank SME Clean Loan
- Loan Amount: Up to RM250,000
- Interest Rate: Starting from 6.5% per annum
- Repayment Term: Up to 5 years
- Eligibility: Businesses with a minimum annual revenue of RM250,000
- Key Features: No collateral required, suitable for working capital needs
More Details: Maybank SME Clean Loan
Important Notes:
- Interest rates and eligibility criteria may vary based on credit assessment and bank policies.
- Always compare different options and check with financial institutions for the latest updates before applying.
- You can also refer to Bank Negara Malaysia for more SME financing options.
Would you like assistance in choosing the best loan for your business? 😊
