UOB BizMoney

No collateral business loan for working capital purposes with fast loan approval time and low interest rates for SME entrepreneurs.

UOB BizMoney
Up to 5 years
Interest Rate
from 5% p.a.
Loan type
Unsecured loan
Interest Type
Flat interest rate
Approval in
5 days

Interest rates

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

You borrowLoan periodAnnual Sales TurnoverInterest Rate
RM100,000 - RM1,000,00018 to 60 monthsmin. RM1,000,0005% p.a.

Fees & Charges

Interest Rate / APR
As low as 5% p.a. depending on loan amount and period


Minimum Annual sales turnover
Minimum Company Age
3 years
Malaysian Ownership
51%  minimum
Who can apply
  • Malaysian Registered Companies.

More Information

What is UOB BizMoney?

UOB BizMoney is a small business loan opportunity for small or micro businesses that want to extend their reach and grow their companies. 

It comes with a higher borrowing amount, with no requirements for collateral, and a competitive interest rate.

The application process is simple and you will not have a loan-processing fee, just some documentation requirements that need to be met. 

Since there is no need for collateral you only need a guarantee from the shareholders or directors of your business.

UOB BizMoney also operates on a fast approval rate of only 5 working days.

How do my repayments work?

Your repayment will operate on a monthly basis over a tenure of your choosing. So you can select any loan period from 18 months up to 60 months. 

The repayment amount will be based on your financing amount, between RM100,000 and RM1,000,000.

The starting interest rate offered by UOB BizMoney is 0.42% per month, which brings your annual interest rate to only 5% p.a. one of the lowest in the market.

How do I become eligible?

The UOB BizMoney is available to Sole Proprietors, Partnerships or Private Limited Companies, registered in Malaysia and controlled by Malaysian Citizens or Residents with PR with the exception of Singaporeans. 

It is also required that your company has been in business for at least 3 years prior to application.

What do I need for the application?

You will need the following list of documents:

  • UOB BizMoney Application Form
  • Keyman Income - latest Borang B/BE (not more than 2 years)
  • Sdn. Bhd: Form 24 and 49. If change in shareholder, Annual Return/Form32A
  • Sole Proprietor & Partnership: Business Registration Certificate issued by Registrar of Companies (SSM)/Trading License (East Malaysia only)/Limited Liability Partnership Agreement (Limited Liability Partnership only)
  • IC/Passport of all Directors and Guarantors
  • 3 years of Financial Reports (Audited/Management)
  • Latest 6 months' bank statements of the top 3 most active Current Accounts and all OD Accounts
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