SME Micro Loan - Direct Lending Malaysia

SME Micro Loan / Financing

Boost cash flow for your business needs

Apply online and receive financing up to RM200,000 with interest rate of
0.8% – 1.5% per month and tenure up to 18 months.

Special cash rebate from Direct Lending

Under DirectBantu+ initiative to help ease Malaysians' financial burden with extra financial resources during this FMCO (from 1 June to 16 July 2021).

For every loan approved and disbursed



Financing amount

≥ RM30,000
RM20,100 – RM30,000
RM10,100 – RM20,000
RM3,100 – RM10,000
≤ RM3,000 & below

Why Use Direct Lending?


Approval within 3-4 working days


Interest rate 0.8% - 1.5% monthly. No hidden fees


Payment tenure up to 18 months


Available across Malaysia. No collateral required


  • Sole proprietorship, partnership or private limited (Sdn. Bhd.) companies registered with SSM
  • Minimum 6 months in business operations
  • Minimum business income or revenue of RM5,000 per month
  • No pending or outstanding legal action
  • Not bankrupt

Documents Required*

  • NRIC (front & back)
  • Latest 6 months bank statement

*additional documents may be required for partnership & Sdn. Bhd. company

Client Testimonial

Our customer review's on our Google Business and Facebook page

How To Apply For A Personal Loan Online?


Click ‘Check Eligibility’ and tell us what you need


Compare and select a product that is suitable for you


Our friendly consultant or officer from the lender you have selected will be in contact to complete your loan application

Client Testimonial

Our customer review’s on our Google Business and Facebook page

FAQ SME Micro Loan / Financing

A financing product that offers micro credit opportunities to SMEs, to boost cash flow for business expansion and working capital needs. This financing is provided by Funding Societies Malaysia. 

The interest rate is 0.8% to 1.5% per month, subject to approval.

The application is free and no upfront payment is required.

There will be a 10% processing fee (inclusive of stamp duty & guarantee fee), deducted upon disbursement from the loan/financing amount.

The amount of financing that you are eligible to borrow would depend on a few factors such as your business income, current debt commitment and credit history. The maximum loan amount is up to RM200,000 with flexible loan tenors between 6 months up to 18 months.

You are eligible to borrow with:

  • A registered business entity under these categories: sole proprietorship, partnership, limited liability partnership (LLP), private limited (Sdn. Bhd.) or unlisted public limited (Berhad)
  • Minimum business income or revenue of RM5,000 per month
  • Minimum 6 months in business operations
  • Minimum 30% local shareholding by Malaysians
  • No pending or outstanding legal action
  • Not bankrupt

To apply, click HERE.

Compulsory Documents

  • A copy of NRIC (front & back): Sole proprietorship (owner), Partnership / Limited Liability Partnership (ALL partners), Sendirian Berhad / Berhad (ALL directors)
  • Latest 6 months bank statement (in PDF)

Optional Documents

  • Business license
  • Personal income tax assessment (latest 2 years)

SME Micro Loan / Financing is a type of unsecured loan. This means that you do not need to provide any collateral.

You would receive an approval within 3-4 working days upon full document submission. Loan disbursement within 2 working days. 

Note: Every reasonable effort has been made to ensure that the turnaround time is adhered to but the timeline may still be subject to change depending on various circumstances including but not limited to the completeness of information furnished by the applicant.

Yes, you can make an early repayment. An early repayment is subjected to a 2% early repayment fee on the remaining principal amount.

Direct Lending is a personal and business lending platform to help individuals or SMEs to search, compare and apply for financing that is most suitable for them. We only partner with trusted lenders or financiers. For this SME Micro Loan / Financing, we partnered with Funding Societies Malaysia which is recognised and regulated by the Securities Commission Malaysia. 

Our service is 100% FREE and will not require any payment from our customers at any time. Direct Lending has over 1,000 reviews rated 5-stars by our customers on our Google Business Page and Facebook.

Applying for SME Micro Loan / Financing has never been this easy and convenient. Click the link below or ‘Chat on WhatsApp’ icon through our platform and we will assist you to receive financing for your business needs. Our dedicated experienced consultant or the officer from the lender will then be in contact and assist you with your SME Micro Loan / Financing application from A-Z.

Apply for 100% free. No hidden charges or processing fees. To apply for a business loan / financing, click HERE.

You deserve a better borrowing experience

* Terms & Conditions apply. This SME Micro Loan / Financing is provided by Funding Societies Malaysia which is registered under Modalku Ventures Sdn. Bhd. [201601019329 (1190266-X)] and is recognised and regulated by Securities Commission Malaysia.The financing rates is between 0.8% to 1.5% per month, subject to loan approval. Tenor of the financing offered is 6 months, 9 months, 12 months or 18 months. As a representative illustration, for a RM100,000 loan amount borrowed for 12 months at an annual interest rate of 18%, the total repayment amount at the end of the tenure is RM118,000.