Best Business Loan or Grant for Every Type of Business

Learn about each Business loan and Government Grant product available on the SMI Funding Smart Seach. Check out the Grant Eligibility section of Learn Grants for details on how eligibility is defined and what types of funding you or your organization can generally apply for.

Find your Business Loans / Grant

The world of small business lending is no longer just traditional term loans. There are dozens of products for borrowers of all types. From CGC loans Contract FInancing.

SMIFunding's marketplace covers many different business loan/Grant products—offered by a variety of our government agencies or bank. To make sure you get the best possible rate, we recommend that you apply for every product you qualify for

There are many types of business loans...

Find out which business loan you qualify

CGC Loan scheme

The Credit Guarantee Corporation is a key institutional arrangement in facilitating greater access to financing by the SMEs. By providing guarantee to loans obtained by SMEs, CGC addresses one of the main constraints of SMEs that is, the lack of collateral.

Maximum Loan Amount          

RM50,0000 - RM5,000,0000

Loan Term                              

3-10 Years


Interest Rate                          

6% - 14% p/a


1-3 Months

Term Loan

A term loan is probably the most common form of business loan, so it’s pretty easy to understand.


You borrow a fixed amount of money – often for a specific purchase you’re making for your business – and pay the loan back over a fixed term, most often at a fixed interest rate.

Maximum Loan Amount      

RM50,000 to RM2,000,000

Loan Term                             

1-5 years

Interest Rates                      



2- 3 Weeks

Microfinance / Microcredit

Microcredit  is the extension of very small loans (micro loans) to impoverished borrowers who typically lack collateral, steady employment and a verifiable credit history. It is designed to enable them to start a small business (micro enterprise).

Maximum Loan Amount