A Collateral-Free Business Loan To Seize Opportunities This 2022
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2022 is the year to seize opportunities, take risks, and achieve your business objectives. 

Businesses are striving to rebuild, grow, and expand their operations after a tumultuous two years. To endure the consequences of the pandemic, some businesses relied on innovation and digital adoption while others chose to put their business plans on hold to save costs. 

As Malaysia begins to recover, there are several methods for businesses to move forward, one of which is through working capital through financing. 

Finance Your Business With UOB BizMoney

It is eligible for Malaysian registered sole proprietors, partnerships, and private limited companies. UOB BizMoney is a business loan that offers financing up to RM1,000,000 with flexible tenures of 18 to 60 months at an interest rate, from 0.42% per month.

UOB BizMoney is designed for SMEs who want to improve their business cash flow, tap into digital solutions, or expand their businesses. It aims to empower SMEs to leverage upcoming industry trends in 2022, namely sustainability, technology, and healthcare innovation. 

No Processing Fees and No Collateral Required

When applying for a business loan, SMEs may face a few common roadblocks. Whether it’s having insufficient collateral or a lack of a business track record, it can deter businesses from moving forward and gaining traction against their competitors. 

To overcome this obstacle, business owners can apply for a UOB BizMoney loan without putting up any collateral, or paying a loan processing fee. To qualify for UOB BizMoney Loan, businesses just require a guarantee from their shareholders or directors and a few documents for the application, subject to UOB BizMoney’s Terms & Conditions

Get Liability Protection With PRULoan Protect

With flexible tenures of 18, 24, 36, 48 and 60 months, a typical repayment schedule with UOB BizMoney can look like this, depending on the financing amount: 

Additionally, UOB BizMoney also offers business owners liability protection with PruLoan Protect. It protects your business by providing coverage against your loan in the event of an unfortunate event during the policy term. 

Apply Now With RinggitPlus Xpress Apply

Business owners can apply through RinggitPlus at their fingertips for a quick and easy application process. 

After completing the application form through the RinggitPlus chatbot, business owners will then receive a call from a representative from UOB Business Banking to further proceed with their application. 


UOB Malaysia has been in the market for over 70 years and offers a broad range of products and financial solutions to appeal to every sort of business, including UOB BizMoney. With SMEs serving as the backbone of Malaysia’s economy, UOB Malaysia provides a sustainable financial future for all SMEs.

*The contents of this article do not constitute financial advice. Readers should conduct their own research before making a financial decision. The material has not been reviewed by the Securities Commission Malaysia (SC).

Footnote: For full UOB BizMoney’s Terms and Conditions, please visit UOB Malaysia’s website for more information. 

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