Alliance Digital SME Express Financing

Alliance Digital SME Express FinancingAlliance Digital SME Express Financing

Give Your Business A Boost

Get fast, easy access to funds within days*. Collateral free business loan up to RM200,000. Enjoy Rate as low as 5.90% p.a.* Apply online within minutes!

*Terms & Conditions apply.

Benefits of Digital SME Express Financing

  • Collateral-free financing up to RM200,000
  • Up to 5 years to repay
  • 1 document to apply online
  • Access funds within days*
  • Flat-rate interest as low as 5.90% p.a.*
  • No Branch visits required
  • No hidden fees & charges
*Terms and conditions apply

Does your business qualify?

  • Business registered in Malaysia
  • Annual business sales revenue of at least RM50,000
  • For Sole-Proprietorship, Partnership and Private Limited Companies (Sdn Bhd)
  • In business for at least 1 year


  • Company Owner/Director/Shareholder to apply
  • 100% Malaysian owned company
  • Latest 6 months company bank statements*
  • All company shareholders/directors are required to be loan guarantors
*Other supporting documents may be required, subject to the Bank's discretion.

Loan calculator

Financing Amount

MYR 100,000

20,000 200,000

To be paid over

3 year(s)

1 year 5 year

Indicative interest/profit rate

9.00 %

5.9 13.78
Estimated monthly payment
MYR 3,527.78

Results from the calculation are provided as a guide and do not constitute an offer

Apply in 3 simple steps

Complete information on the web-form in just few minutes!
Upload company's bank statement along with NRIC. Additional documents may be requested subject to the Bank's decision.
Attend a virtual interview once your application is shortlisted.
Accept our offer!

Frequently asked questions

Yes, it may.

Yes, it may.

Yes, it may.

Company/business with directors/shareholders/ business owners between the age of 21-60 years old are encouraged to apply.

It is encouraged to submit both bank accounts to support and increase the chances of approval.

Yes, it may.

The Bank will look at past 12 months records.

Yes, it may. Any delay in personal loan repayment by a director/shareholder/business owner may affect the loan application.

Yes, it may. Business owner’s consistent repayment of his/her credit card(s) will strengthen their chances to obtain approval.

Yes, it may have impact on obtaining new credit in light of the overall high commitment of the company/business and its director/shareholder/business owner who are guarantors.

Financing amount: Minimum RM20,000 up to RM200,000

Tenure: Minimum 1 year up to 5 years

Interest Rate: Approximately between 5.90% p.a. to 13.78% p.a. (flat rate), equivalent to rates as low as 0.49% per month. (The interest rate quoted and/or prescribed by the Bank is subject to the Bank’s right to vary the same from time to time with prior notice to you)

Stamp Duty: A flat rate of 0.5% on the loan amount or such other rate prescribed under the Stamp Act, 1949 (as amended or re-enacted from time to time)

Documentation Fee: Waived.

All business industries are encouraged to apply. However, approval is subject to the Bank's credit assessment.

Upon submission, you can track your application status online here. The Bank will review your application and provide a decision within 3 working days for loans below RM200,000.

Yes, you may need to provide additional documents as and when requested by the Bank as it deems necessary for processing the application.


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