Secure . Simplify . Customized

Licensed Money Lender

Borrowing from us is secure, as we are licensed under the regulations of the Malaysian Government’s Money Lenders Act of 1951.

Simple & Transparent

We simplify everything with an efficient and transparent process, typically disbursing funds to borrowers within 24 hours of application approval.

Customized

We offer a variety of loan types that can be customized to meet your specific needs, ensuring you receive a more equitable arrangement

Our Services

Personal Loan

A personal loan is a loan that can be taken out by all Malaysia citizens that have a source of income…

Business Loan

Our business loans are designed to support both SMEs and established corporations in expanding operations, managing cashflow, or funding new opportunities with ease and flexibility.

Mortgage

Our Mortgage loan is a kind of a collateral loan. A collateral loan is a loan secured by some asset you own…

Finance Faster . Finance Better

We Keep It Simple

Our streamlined financing process ensures a quick and efficient start, so you can be up and running in no time.

We Keep It Fast

The approval process typically spans within 1 day, covering it from start to finish.

We Keep It Personal

We take a personal approach to every client relationship, offering dedicated support and tailored solutions that meet your unique business needs.

Application Process

Online Application

Fill up the online application form and submit, easy and simple.

Evaluation

Our consultant will get in touch with you and assist you on loan approval.

Supporting Documents

Get your documents ready and submit.

Receive Funds

Once approved, funds will be credited in your bank account in the same day.

SME CAPITAL HOLDINGS (M) SDN. BHD.

 

LICENSE NO. WL6819/14/01

 

At SME Capital we offer flexible and affordable Malaysian loan options that provide the solutions you need for your personal or business loan. As a money lender we offer availability to cash TODAY in order to get you through your unique financial situation. Whether you need a loan to assist you with your personal or professional needs, it is simple and convenient to apply and be approved for a loan in Malaysian with the SME Capital money lender programs.

Co. No. : 543321-X

HEADQUATER OFFICE

Suite 13-8, 13th Floor, Wisma UOA II, Jalan Pinang, 50450 Kuala Lumpur, Malaysia. HOTLINE: +6017 921 9247

KUALA LUMPUR • SELANGOR 

Customer Testimonial

“When the pandemic hit, my restaurant almost couldn’t survive. The banks made things so complicated — too many forms, too long to wait. A friend told me about SME Capital Loan, and honestly, it was the best decision I made. They listened, understood my situation, and helped me get the working capital I needed within days.</p> <p>Thanks to them, I managed to keep all my staff and reopen stronger. Today, my restaurant is not just surviving — we’re thriving again.”

Mr. Chan, 53, Restaurant Owner, Selangor.

“I’ve been running my trading business for over 30 years, and sometimes cash flow gets tight, especially when clients delay payment. I was skeptical at first, but the team at SME Capital Loan was so genuine and transparent. They explained everything clearly — no hidden fees, no false promises. The loan came through faster than I expected, and it really helped me secure new stock in time for the festive season. It’s rare to find a company that treats small business owners with such respect.”

Mr. Siva, 62, Trading Business, Kuala Lumpur.

“Running a logistics company means every delay costs money. I needed funds urgently to repair two trucks, or I would’ve lost big contracts. SME Capital Loan acted quickly — their team even guided me through the documents over WhatsApp.</p> <p>Within 48 hours, the funds were in my account. That quick help saved my business. For me, they’re more than a lender — they’re a true business partner.”

En. Abd Aziz, Logistics Company Owner, Seremban.

Apply Now!

Complete this online form and we will connect with you

Blank Form (#1)

SME Capital Holdings (M) Sdn. Bhd.

License No. : WL6819/14/01

Co. No. : 543321-X

Interest Rates

  • Unsecured loan not more than 18% per annum
  • Secured loan not more than 12% per annum

Contact Info

  Suite 13-8, 13th Floor, Wisma UOA II, Jalan Pinang, 50450 Kuala Lumpur, Malaysia.

  info.smecredit@gmail.com

 +6017 921 9247

SME Capital