Grow your business without limits

SME Lending provides businesses with working capital to improve cash flow, pay employees and suppliers, and reinvest in operations and growth by providing short-term financing secured by outstanding invoices.

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Why SMEs Lending

Flexible Repayment Options

We offer tenures for financing from 60, 120 to 180 days.
For your convenience.

Prepares for Unexpected Expenses

Having access to funds keeps you prepared in times of unexpected circumstances.

Improves Cash Flow

Tide over these temporary cash flow problems with extra cash on hand so you can focus on your business growth.


Who Do We Fund

You’re a Malaysian-registered business and have been in operation for at least 1 year.
Your business is majorly owned by a Malaysian (at least 51% and above).
Your business is providing goods or services to other Malaysian businesses on credit terms (B2B Business).
Your business has mid-to-large size corporate(s) as customer(s) (private or public) OR you have an annual revenue of more than RM2 million.


How It Works

An eligible business submits the required information to apply for business financing.


Our credit and risk professionals will fairly and objectively evaluate each application.


Within 48 hours of approval, funds will be disbursed into your bank account.



Looking For More Info?

What is SMEs & Micro SMEs Financing?

Designed for individuals, Micro SME, SMEs, and Startups to resolve cash flow through loans without collaterals and by allowing your business to run ahead of time while you pay your bills at the due date.

How does SMEs & Micro SMEs Digital Financing work?

iLending helps you secure collateral-free loans through a fully digitalised/paperless process. With iLending, you can apply for an amount of up to RM500,000 with interest rate of 0.1%-1.5% per month with a tenure of up to 6 months.

Upon approval of the financing amount, we will credit the amount to you after fee deduction.

Repayment will be in monthly installments and is fully automated given that there is sufficient amount in your bank account.

Why is SMEs & Micro SMEs Lending important?

Despite constantly contributing to the economy, it is often difficult to gain access to loans from banks and other financial institutes due to the size of the business. At iLending, we believe in the contributions of such businesses, and we are able to provide lending and allow them to focus on their growth while we settle their cashflow.

Are there any fees & charges?

Fees include:
1. Attestation fees: 5% of the approved amount deducted before disbursement
2. Stamping fees: 5% of the approved amount deducted before disbursement

Late fees: Should there be any late repayments, a 0.67% interest fee will be added into the remaining unpaid balance monthly.

What are the required documents that I would need for SMEs & MSMEs Digital Financing?

Required documents for SMEs & Micro SMEs Financing:

- Statutory Forms (Form 9, 13, 24 & 49)
- Business License
- Bank Statement 6 months
- Management account
- Debtors & Creditors Ageing List of all products
- Auditor report

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Ready to Take Control of Your Cash Flow?

Get funded right away, or get in touch with us to find out more about how we can support your growth.