Small business
For sole traders and SMEs. RM 500 to RM 20,000, directly from MyTrustCredit's SME underwriting team in 24 hours.
50,000+
applications
RM 120M+
disbursed
4.9 / 5
on Google
MyTrustCredit prices SME loans off business age, revenue stability, and owner credit. Real rates typically settle between 5% and 12% p.a. flat.
Indicative only. Final offer depends on our underwriting and supporting business documents.
From RM 110/mo on an RM 5,000 × 5-year SME plan
Most approved SME tickets fall between RM 5,000 – RM 15,000
Shorter tenures available for working-capital and stock bridging
SME loans typically need 1 extra day for business-document verification
SME eligibility
Malaysian SMEs including sole traders, partnerships and Sdn Bhd are all eligible, provided the business is registered and active.
Foreign-owned entities and Labuan companies are currently not eligible. Franchisees must submit their franchise agreement.
Why MyTrustCredit for SME loans
Three reasons local SMEs use MyTrustCredit instead of queuing at a single bank.
Fees & charges
MyTrustCredit's SME fees sit slightly higher than personal loans — here's the honest Malaysian range.
| Item | Typical range | Notes |
|---|---|---|
| Processing fee | 1.5% – 3% of loan · min RM 100 | Usually deducted at disbursement |
| Stamp duty | 0.5% of loan · min RM 10 | On the loan agreement between SME and MyTrustCredit |
| Early settlement | 2 – 3 months of remaining interest | Case-by-case; often waived if you refinance with MyTrustCredit |
| Late payment | 1% – 1.5% p.m. on overdue | May trigger MyTrustCredit review of your facility |
Processing fee
1.5% – 3% of loan · min RM 100
Usually deducted at disbursement
Stamp duty
0.5% of loan · min RM 10
On the loan agreement between SME and MyTrustCredit
Early settlement
2 – 3 months of remaining interest
Case-by-case; often waived if you refinance with MyTrustCredit
Late payment
1% – 1.5% p.m. on overdue
May trigger MyTrustCredit review of your facility
MyTrustCredit's RM 500 – RM 20,000 SME loans have no separate facility setup fee — all charges are listed above, no surprises.
By the numbers
50,000+
Applications processed
Since our 2023 launch
RM 120M+
Total disbursed
Direct loans from MyTrustCredit to Malaysians
30-Min
Avg callback time
Mon–Sat, 9am–8pm MYT
4.9★
Google rating
From 1,247 verified reviews
Real stories
Composite scenarios from our 2025 – 2026 SME applicants. Business names are changed.
Kak Nora, café owner
RM 12,000 · 24 months
Ran a small kopitiam in Kuantan for 3 years. Needed urgent capital to replace a broken commercial fridge and top up raya inventory. Applied Sunday night, got an offer from MyTrustCredit by Tuesday, signed and disbursed Wednesday afternoon.
Daniel, freelance designer
RM 5,000 · 18 months
Sole proprietor with lumpy invoice payments. Used his MyTrustCredit loan to bridge a 60-day payment window from a large client, then settled early once the invoice cleared — only paid 2 months of interest instead of 18.
Chong Bros Sdn Bhd
RM 18,000 · 36 months
Family-run motorcycle spare-parts shop. Used the loan for a new shopfront renovation ahead of a highway road project that was expected to boost foot traffic. Submitted audited accounts to MyTrustCredit and got a lower-than-personal-loan rate.
Your outcome depends on business age, revenue and owner credit. These examples are representative, not guaranteed.
WL1234/5678
KPKT Licensed
Licensed moneylender
AES-256
PDPA 2010
Data encryption
202301012345-D
SSM Registered
MyTrustCredit Sdn Bhd
256-bit TLS
SSL Secured
End-to-end TLS
50,000+
Applications
Malaysians served
4.9 ★
Google Rating
1,247 reviews
How it works
No calls, no fax, no branch visits. Everything happens online or via WhatsApp directly with MyTrustCredit, your licensed moneylender.
Why MyTrustCredit
MyTrustCredit is a KPKT-licensed moneylender (WL1234/5678) — not an Ah Long, not a middleman, just your direct lender.
MyTrustCredit holds a KPKT moneylender licence (WL1234/5678), audited and renewed annually under the Moneylenders Act 1951.
Learn moreYour data is encrypted, access-audited, and processed only by MyTrustCredit's lending team. Never sold.
Learn moreMyTrustCredit is licensed to lend under KPKT — the opposite of an Ah Long. If we can't approve your loan, we tell you. We won't redirect you to unlicensed lenders — ever.
Learn moreVersus the alternatives Malaysians usually consider.
| MyTrustCredit | Ah Long | Direct to bank | |
|---|---|---|---|
| Licensed | Yes | No | Yes |
| Fast callback | 30 min avg | Instant | 3–7 days |
| No harassment | No | Yes | No |
| Direct lending decisions | Yes — in-house | No | One bank only |
| Free to apply | Yes | Hidden fees | Yes |
Questions?
Common questions from Malaysian small-business owners and sole traders.
Yes. MyTrustCredit's SME product requires a current SSM profile or Form D / Form 9 (for Sdn Bhd). If you are informally trading without SSM, you can still apply under the personal loan product — or register with SSM first (it takes 1 – 3 working days and costs RM 30 – RM 60).
MyTrustCredit typically requires 6 months of operating history backed by bank statements. We'll consider 3-month-old businesses if the owner has strong personal credit and a documented business plan.
The RM 500 – RM 20,000 product is unsecured and not structured as invoice financing. Factoring and larger facilities fall outside MyTrustCredit's current moneylender-licence scope — ask our team on WhatsApp if you'd like a pointer to licensed Malaysian factoring providers.
For sole proprietors and partnerships, the loan sits with the owner personally (you sign in your own name). For Sdn Bhd, the loan is to the company but the major directors typically give a personal guarantee.
For sole proprietors / personal guarantees, yes — MyTrustCredit files the facility against your personal CCRIS. For pure corporate facilities (rare in this ticket size), the facility appears only on the Sdn Bhd's record.
Apply once with MyTrustCredit, your licensed SME-friendly Malaysian moneylender, and disburse in 1 – 2 working days.
Your business details are encrypted and processed only by MyTrustCredit's lending team.
Ready?
Free. No credit score impact just to check. KPKT-licensed moneylender.
By continuing, you agree to our Privacy Policy and Terms.
Licensed direct lender
KPKT-licensed moneylender — WL1234/5678.
2-minute check
Under two minutes to see what you qualify for.
Up to RM 88 cashback
Credited after your loan is disbursed.