Aspirasi Capital Plus

Expand your business with Aspirasi Capital Plus with up to RM100,000 financing and no repayment of principal for the first 3 months, plus an SME Insurance Plan.

Aspirasi Capital Plus3-month Repayment Relief
Up to 1.25 years
Profit Rate
from 18% p.a.
Loan type
Unsecured islamic financing
Interest Type
Flat profit rate
Approval in
48 s

Profit rates

How much the bank charges you based on your financing amount & loan period

Financing ValueFinancing periodAnnual Sales TurnoverProfit Rate
RM1,000 - RM100,0001 to 15 monthsRM -18% p.a.

Fees & Charges

Profit Rate / APR
As low as 18% p.a. depending on financing amount and period
Wakalah Fee
Early Termination Fee
Zero termination fee with 1 month termination notice
Late Penalty Fee
 1%  from current outstanding amount, Maximum 1% as per Shariah


Minimum Company Age
1 year
Malaysian Ownership
Who can apply
  • Malaysian Registered Companies. Business nature needs to be Shariah-compliant
  • Micro Enterprise,SME

More Information

Looking for ways to improve your business cash flow? Need a business loan with fast approval? Aspirasi Capital Plus is the right choice of microfinancing for you.

What can I get from Aspirasi Capital Plus?

During these trying times of COVID-19 and recession happening locally and globally, Aspirasi by Axiata Digital understands the struggles to keep your business running. 

Hence, Aspirasi Capital Plus business financing offers a competitive rate at higher financing margin that will help local MSMEs to weather the storm brought by a COVID-19 lock down.

This working capital financing also offers zero repayment of principal for the first 3 months after disbursement so you can ease your business cash flow.

You can only apply for one Aspirasi Capital Plus business financing at a time and over the course of its repayment period.

What are the requirements to apply for Aspirasi Capital Plus?

This financing is applicable only for businesses that adhere to Shariah-compliant activities as it is a Shariah financing based on the concept of Commodity Murabahah. 

If your business activity belongs to any of the industries listed down below, you are not eligible to apply for this SME financing:

  • Travel agency
  • Construction
  • General contractor
  • Oil and gas
  • Entertainment
  • Car dealers
  • Gold and jewellery
  • Non-Shariah business such as selling of alcohol, pork etc.

Other than that, this financing is offered to a Malaysian-controlled company, with at least 51% of national ownership. One of your directors/owners must be aged between 18 to 65 years old during application. 

Your company must also have been operating for a minimum 1 year, with Experian i-Score Risk Grade Fair of 5 and above to qualify for this SME financing application.

How much can I apply and how long is the tenure?

The minimum amount that you can apply is RM1,000 and the maximum amount is RM100,000, with repayment tenure of up to 15 months.

Meanwhile, the profit rate offered by Aspirasi Capital Plus is 1.2% per month, which brings a total of 18% per annum flat for up to 15-month tenure.

How fast can I get my money?

You can expect to get the approved money within 2 working days (48 hours) directly credited, provided you have completed the application with all required documents submitted.

Is a guarantor or collateral needed?

No, you are not required to provide both as this is an unsecured business financing.

What other benefits that come with Aspirasi Capital Plus?

Personal Accident Coverage

Aspirasi SME OwnerProtect-X, underwritten by Great Eastern General Insurance (Malaysia) Berhad, is a Personal Accident Insurance with a total payout of RM10,000 that is payable to you in the events of any unfortunate accidents. 

Premium PayableRM63.60
Coverage Duration15 months
Sum InsuredRM10,000
Accidental Death BenefitRM10,000
Accidental Permanent Disablement BenefitRM10,000
Emergency Expenses ReliefRM1,000