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Micro Enterprise Facility


Objective Increase access of collateral-free financing for micro enterprises/ entrepreneurs, including the self-employed and gig workers on digital platforms

Maximum Loan Amount

RM5,000 - RM50,000


1 year to 5.5 years.

Interest Rate

4% ​


3 Weeks


»Micro enterprises whose businesses are impacted by the COVID-19 outbreak.

»Malaysian owned business.

»Registered with Suruhanjaya Syarikat Malaysia (SSM) or Local Authority (LA).

»Business has been in operation for at least 12 months.

- Sales a Year must more then 100k



»Purpose of Loan: Working Capital and Capital Expenditure.

»Loan Amount: Up to maximum RM 50,000.

»Loan Tenure: Between 1 year to 5.5 years including first 6 months of moratorium on monthly instalment .

»The package is open to all business sectors.


Interest Rate



Required Documents

  1. A valid Business Registration certificate with SSM or Business License with Local Authority (LA).

  2. A photocopy of NRIC for all Directors / Sole Proprietor / Partners.

  3. Latest 6 months Company’s Bank Statement.

  4. Any other supporting documents as required by the Bank.(Optional) :

  • Sales listing (Sales record for 6 months)

  • Sample Invoices from suppliers (1 copy)

  • Electric Bill (Either House or Premises)

  • 2 years Income tax (Borang B & Pengesahan Slip)

How do I Apply?

Download and fill up the form and send it to us by whatsapp : 0162608323 or Email:

5 Why Apply with us

  1. We same as the Banker, but Banker just represents their bank, they only can help you to apply the loan from their own bank, and we do not belong to any bank.

  2. And most importantly, you save a lot of time and the hassle going from bank to bank and hence, we are the one stop centre for you.

  3. If you have applied a loan by yourself and it get rejected, we give you a second chance as we know the appetite and requirements for each bank and financial institutions.

  4. SMI Funding directly using through our network, based on your documents, qualification, nature of business, and other information, find out that which Commercial Bank having higher approval rate chances (Maybank, RHB, Ambank, Standard Chartered & etc) 90% approval rate helped the company successfully get the fund.

  5. Our consultant are commission based, hence they need to work closely with you and the banks until your loan is approved. If not, they won't get a single cent. We charge services charge based on the loan approved. No approval, no commission to be paid. Mean you are gurantee NO RISK

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