SME Loan 

We help Malaysians secure SME loans, business credit and other financing options. Our expert SME loan consultants in Malaysia guide you through the process, ensuring you get the best loan solutions tailored to your business needs.

Trusted Business Loans Advisor & Consultant for Malaysian SMEs

Looking to grow your business with the right financing? We are a trusted SME business loan consultant in Malaysia specialized in assisting businesses to access capital as they are required. You may be entering a new business or growing an existing business, whatever the case.

We provide expert advice and help in securing the best SME loans and business credit facilities. We collaborate with you and learn about your business-specific needs and identify the loan options that fulfill your objective.

Why Do You Need a SME or Business Loan Advisor?

Customized Loan Solutions to Your Business Requirements

Business loans are available in various types including working capital loans, equipment financing, expansion funding among others. A business loan advisorassists you in finding the correct loan to the unique business requirement, line with your expectations.

Making Your Way through the Complex Application Process

It can be a time-consuming process that requires submitting documentation such as financial statements, business plans and tax records to obtain a business loan. A business loan consultant can help you through this complicated process and makes sure that your application has higher chances of being approved.

Locating the Most Preferred Terms to Your Business

Rates and terms of loans can differ significantly based on the size of your business, your industry, and the financial history of your business. Our SME and business loan consultants will assist you in comparing lenders, making sure to get the most favorable loan conditions in the market.

Our business loan consultants have the experience to take you through the whole process of application of a loan, which includes the correct type of loan and getting the best possible terms. We are a committed business credit consultant who will make sure that your financial requirements are fulfilled with accuracy. Whether you need funding to grow, equipment or working capital. At Fin Pilot, we will provide a free consultation to address your business loan requirements. Contact us anytime to have a meeting with the best SME loan consultant that you may rely on in Malaysia.

Need funds fast? Whether it’s debt consolidation or apply for cash loan, we guide you from credit check to approval — so you can choose the best loan with confidence.

Who We Help and How We Do It?

Who Is It For?

  • Small & medium businesses (Sdn Bhd or Enterprise)

  • Business owners looking to expand, buy stock, equipment, or manage cash flow

  • Entrepreneurs seeking working capital or financing for new projects

How We Help:

  • We understand your business model and financials

  • We check your CTOS/Experian & business credit info

  • We match you with banks that support your business type

  • We help prepare business plans or supporting documents (if needed)

  • We liaise with bankers to maximize approval chances

Documents You’ll Need:

  • Director/owner IC

  • Company registration (SSM forms)

  • Latest 6 months company bank statements

  • Company profile or business info 

Got Questions? We’ve Got You Covered.

We know applying for a business loan can feel confusing—especially with so much info (and misinformation) out there. That’s why we’ve put together this FAQ page to answer the most common questions our customers ask.

Whether you're wondering about the application process of SME loan, documents, eligibility, or how we protect you from scams—you’ll find all the answers right here.

Still unsure about something?

Contact us and we’ll be happy to help!

  • We work with almost all major Malaysian banks, and even some licensed non-bank lenders (like AEON or P2P platforms). But just to be clear—we don’t lend money ourselves.


  • For business loans:

    • Business must be registered (SSM) for at least 1 year

  • Business loans approval usually takes a bit longer time compared with personal loan and mortgage loans, depending on the documents. We try to speed things up by preparing everything properly from the start.

  • No consultant can guarantee 100% approval. As a responsible business loan advisor, we will do everything we can to improve your chances, resolve issues and match you with banks that fit your profile.

  • Final rates and tenure for business loans depend on your income, credit and bank choice.

Let's Talk About Your Loan Options

Got questions? Not sure if you’re eligible? Need help with your credit report? We’re just a message away.

No pressure. Just honest advice and real support.

Let’s chat and see what’s possible for you.

Talk to a loan expert