SME Loan

With collateral, loan maximum RM 10 million

No collateral required for loan up to RM 250,000

7 working days for approval with completed documents

Processing fee only up to 0.5% - 1% of loan amount

A SME financing help for aspiring entrepreneurs to meet their working capital requirements and fixed asset purchase. At Icon Venture Capital, we understand the struggles of business owners hence we provide special interest rate to business owners to minimize the cost of their business. We can look at avenues of different collaterals for business owners to further develop their businesses or ease financial burdens. Want to increase your product marketability but lacking the funds? SME Financing by Icon Venture Capital has got you covered at a competitive rate!

What you'll need:

  • Application Form
  • Copy of IC (MyKad) of all Directors
  • Latest SSM & Company Stamp
  • Latest 6 months Company Bank Statement
  • Latest 2 years Audited Account Report (if available)
  • Latest 6 months of Purchase Order/Invoice
  • BE Form & Tax Receipt (if available)
  • Utility Bill: Electricity, water, etc
  • Extra documents will be required on case to case basis

Loan Calculator

Our loan calculator will help you gain a better understanding of how much you could borrow and how much your repayments might be. Whilst this calculator will give an indication of monthly payments. The rate you're offered may differ from the illustrative shown. Actual loan amount and repayment is subjected to your credit score.

Loan Amount (RM):


Interest Rate (%):


Loan Period (Months):


Monthly Repayment is RM {{loanRepayment}}

*This estimate is calculated using an effective rate of 5% - 18% and may not reflect to your final rate.

Case Study

Janet is self-employed and owns a company. She is facing no cash flow problem due to the late payment from clients. She will need RM 450,000 to pay off her staff and suppliers. In the first instance, she applied for a business loan from the bank. However, her loan was declined by the bank. Hence she applied for the SME loan with Icon Venture Capital which a financial services company under KPKT licensed. Janet seized this opportunity by using a property as a collateral to apply for the SME Loan and was granted RM 500,000 within 7 working days after the application.

Case Study


Who can apply?
Sole proprietorships, Partnerships and Private Limited Companies (Sdn Bhd)
What are the interest rates?
Up to 12% per annum with collateral and up to 18% per annum without collateral.
How long is the loan tenure?
Up to 5 years without collateral and 30 years with collateral.
Min how long is the business in operations?
Min 3 years in similar business operations