Best Bumiputera Business Loans in Malaysia 2025

Fund your usahawan aspirations with bumiputera enterpreneur loans from Malaysian banks and DFIs. Enjoy lower profit rates on government loan schemes for micro enterprises and small businesses, with majority bumiputera ownership.

Fundingbee
Interest Rate
from 12% p.a.
Annual Turnover
min. RM60k
Funding Societies SME Micro Financing/-i
Profit Rate
from 9.6% p.a.
Annual Turnover
min. RM60k
Alliance Bank Digital SME Loan
Interest Rate
from 5.9% p.a.
Annual Turnover
RM50k - RM30m
UOB BizMoney
Interest Rate
from 5% p.a.
Annual Turnover
min. RM1m
Avex Credit
Interest Rate
from 12% p.a.
Annual Turnover
min. RM100k
RHB SME Online Financing
Interest Rate
from 8.45% p.a.
Annual Turnover
RM500k - RM25m

Boost Bank SME Financing - Term Loan
Interest Rate
from 9.9% p.a.
Annual Turnover
RM -
MIDF/MBSB Women (Independent) Entrepreneurs (M-WiSE)
Interest Rate
from 3% p.a.
Annual Turnover
min. RM200k
Boost Bank SME Financing - Revolving Credit
Interest Rate
from 18% p.a.
Annual Turnover
RM -
HSBC Working Capital Term Loan for SME
Interest Rate
from 9.89% p.a.
Annual Turnover
min. RM500k
MIDF Sustainable Green Biz Financing (SGBF)
Interest Rate
from 2% p.a.
Annual Turnover
min. RM200k
MIDF SME Transformation Financing (SMETF)
Interest Rate
from 4% p.a.
Annual Turnover
min. RM200k

Bank Rakyat Skim Pembiayaan Mikro-i MUsk
Profit Rate
from 12.56% p.a.
Annual Turnover
up to RM300k
MIDF Soft Financing Scheme for Automation and Modernisation (SFSAM)
Interest Rate
from 4% p.a.
Annual Turnover
min. RM200k
IVC Business Loan
Interest Rate
from 18% p.a.
Annual Turnover
RM -
MIDF Halal Accreditation and Technology Improvement (HATI)
Interest Rate
from 4% p.a.
Annual Turnover
min. RM200k
Bank Rakyat Skim Pembiayaan Mikro-i MEF
Profit Rate
from 8.25% p.a.
Annual Turnover
up to RM300k
MIDF Soft Financing for Services Capacity Development (SFSCD)
Interest Rate
from 4% p.a.
Annual Turnover
min. RM200k

Agrobank Term Financing-i
Profit Rate
from 11% p.a.
Annual Turnover
RM -
SME Bank Small Business Financing
Profit Rate
from 8% p.a.
Annual Turnover
min. RM150k
SME Bank Business Accelerator Program
Profit Rate
from 4% p.a.
Annual Turnover
min. RM300k
BSN Microplus
Interest Rate
from 4% p.a.
Annual Turnover
RM -