Business loans
that make sense for Malaysian SMEs.
Working capital and term loans from RM 5,000 to RM 1,000,000. Licensed by KPKT with clear written terms — our customer service team walks you through personally.
202009551263 (1326702-K)
See what you'll pay each month.
A quick estimator to help you plan. Interest rate starts from just 4.2% per annum flat — transparent and personalised to your business profile.
Actual rate is decided from your business profile and disclosed in your written offer letter.
| Tenure | Monthly | Total |
|---|---|---|
| 12 months | RM 8,683 | RM 104,200 |
| 24 months | RM 4,517 | RM 108,400 |
| 36 months | RM 3,128 | RM 112,600 |
| 48 months | RM 2,433 | RM 116,800 |
| 60 months | RM 2,017 | RM 121,000 |
| 84 months | RM 1,540 | RM 129,400 |
| 108 months | RM 1,276 | RM 137,800 |
This calculator is indicative only and does not represent a final approval, quotation or guarantee of repayment amount. Your actual rate, fees and repayment schedule are stated in the KPKT-licensed offer letter before you sign.
Trusted by Malaysian business owners.
Our specialists sit down with every applicant to review their documents in person or via a scheduled call. The photos below are from real advisory sessions at our Kuala Lumpur office (identities blurred for privacy).
Loan products for every business need.
SME Business Loan
Multi-purpose term loan for cash flow, hiring, or growth. RM 5K – RM 1M with tenures up to 108 months.
Working Capital
Short-term revolving facility to smooth operations, cover payroll, or manage seasonal cycles.
Renovation Loan
Finance renovation, fit-out or refurbishment. Get your outlet ready without draining cash reserves.
Equipment & Machinery
Finance vehicles, kitchen equipment, machinery. Preserve cash, own the asset.
Business Expansion
Renovation, new outlets, franchise fees. Scale without diluting equity.
Short-Term Turnover
Fast short-term financing for cash flow gaps, tenders won, or timing mismatches.
Built on honest advice, responsible service, and long-term trust.
Our Mission
To offer honest, professional, and practical lending services that help Malaysian businesses make sharper financial decisions. We simplify the application process, guide you through documents, and match you to a suitable facility so that every borrower gets transparent advice, responsible service, and a smoother experience.
Our Vision
To be the lending partner Malaysian entrepreneurs trust when they need reliable financing guidance. Through professional service, clear communication, and responsible credit advice, we aim to build long-term relationships that help more businesses secure the right funding — and make more confident decisions with it.
4 simple steps to get funded.
A guided path from application to disbursement. Our customer service team walks you through every step personally — no bots, no anonymous middlemen.
Submit application
Fill in our simple online form or visit our office. Share your basic personal and financial info.
Upload documents
Upload or bring the required documents. Our team guides you through each one.
Fast review
Our credit team reviews your case quickly. Customer service reaches out to walk you through the outcome.
Get funded
Once you sign, funds are transferred directly to your business account. Start putting them to work.
A licensed lender you can verify.
KPKT Licensed
Licence No. WL6270/12/01-3/020253, valid 2025–2027. Verifiable on the official KPKT registry.
Transparent rates
All fees, interest and tenure are stated in writing before you sign. No surprise charges after disbursement.
Written offer letter
Every offer is sent to your email in writing, so you have a clear record of the terms before signing.
Data protected
PDPA-compliant. Your documents stay with SNF Capital only — never shared with third parties.
Business Loan Application
All fields are required unless marked optional. Your data is encrypted and reviewed by SNF Capital only.
- 01 Fill in our simple online form or visit our office. Share your basic personal and financial info.
- 02 Upload or bring the required documents. Our team guides you through each one.
- 03 Our credit team reviews your case quickly. Customer service reaches out to walk you through the outcome.
- 04 Once you sign, funds are transferred directly to your business account. Start putting them to work.