WhatsApp

SME financing · with our partner Sun Capital

Funding to grow
your business.

Business loans, working capital and trade financing for Malaysian SMEs, from RM100,000 to RM5 million, structured across the right banks.

SUN CAPITALSME partner of Credit Secure

Financing options

The right facility
for your cash cycle.

Term loan

Long-term growth

For property, heavy machinery, expansion or infrastructure upgrades.

Overdraft

Day-to-day cash flow

Short-term funding to cover operating expenses and unexpected gaps.

Revolving credit

Draw as you need

A revolving limit for businesses with fluctuating capital needs.

Trade financing

Import & export

Letters of credit, trust receipts and banker’s acceptances for procurement and fulfilment.

Bank guarantee

Win bigger contracts

Secure commitments that strengthen your credibility on contracts and projects.

Government schemes

SJPP and BNM funds

Government-supported schemes, where you qualify, alongside conventional bank facilities.

Real files

Structured to fit.
Funded in tranches.

Solar PV installer2 banks
RM20M
term loan, overdraft & revolving credit
Turnover alone didn’t justify the amount. Split across two banks: RM3 million and RM17 million.
Medical equipmentWorking capital
RM3.5M
secured, RM1.5M to follow
Several concurrent contracts strained cash flow on a RM35 million turnover. Funding was phased to match cash needs and approval limits.
Marine fish farm, LangkawiAgro Bank
RM1.5M
first tranche of RM5M
Post-pandemic recovery for repairs and operations, structured in three tranches.
Process · about 2 weeks to 3 months

From first call
to funds released.

  1. 01

    Needs assessment

    Your goals, cash cycle and how much you really need.

  2. 02

    Financial review

    Financials, bank statements and credit standing, against bank expectations.

  3. 03

    Structuring

    The right mix of facilities and banks, including government schemes.

  4. 04

    Approval & beyond

    Submission, letter of offer, disbursement and later top-ups or restructuring.

SME questions

SME financing, answered.

Which industries do you work with?
SMEs across manufacturing, trading, services, agriculture, renewable energy and more.
How much can my business borrow?
Typically RM100,000 to RM5 million, depending on your financials and needs. Larger amounts can be structured across banks.
How long does approval take?
About 2 weeks to 3 months, depending on documentation and the bank’s assessment.
Is collateral required?
It depends on the facility and bank. Some need collateral or a guarantor, others don’t. We clarify this case by case.

Your money’s working.
Is your loan?

Complimentary loan review. Same-day reply on WhatsApp.