马来西亚商业贷款完整指南 2025Complete Business Loan Guide for Malaysian SMEs
从初创企业到成长型公司，了解如何获得最适合您企业的商业融资方案。快速审批，灵活还款，助力业务增长。
商业贷款助力企业成长
Business Financing Made Easy
📊 快速了解 Quick Overview
- ✅ 商业贷款额度：RM 10,000 - RM 500,000+
- ✅ 快速审批：2-3小时初步批准
- ✅ 灵活还款期：6个月 - 5年
- ✅ 竞争性利率：低至6%年利率
- ✅ 适用于各行业：零售、餐饮、服务、制造等
什么是商业贷款？What is a Business Loan?
商业贷款（Business Loan）是专门为企业设计的融资产品，用于支持企业运营、扩张、购买设备或应对现金流挑战。在马来西亚，商业贷款是中小企业（SME）最重要的资金来源之一，帮助数千家企业实现增长目标。
A business loan is a financing solution specifically designed for companies to support operations, expansion, equipment purchases, or cash flow management. In Malaysia, business loans are one of the most critical funding sources for Small and Medium Enterprises (SMEs), helping thousands of businesses achieve their growth objectives.
马来西亚商业贷款类型 Types of Business Loans in Malaysia
1. 营运资金贷款 Working Capital Loan
💰 最适合：日常运营开支
营运资金贷款用于支付日常运营费用，如租金、工资、库存采购和水电费。这是最常见的商业贷款类型，特别适合季节性业务或需要管理现金流的企业。
Working capital loans cover day-to-day operational expenses such as rent, salaries, inventory purchases, and utilities. This is the most common type of business loan, especially suitable for seasonal businesses or companies managing cash flow.
- 贷款额度 Loan Amount: RM 10,000 - RM 300,000
- 还款期 Tenure: 6个月 - 3年 / 6 months - 3 years
- 利率 Interest Rate: 8% - 15% 年利率 p.a.
- 审批时间 Approval: 2-3小时 / 2-3 hours
2. 设备融资 Equipment Financing
🏭 最适合：购买机器设备
设备融资专门用于购买商业设备、机器、车辆或技术系统。设备本身通常作为贷款抵押，因此利率较低。
Equipment financing is specifically for purchasing commercial equipment, machinery, vehicles, or technology systems. The equipment itself often serves as collateral, resulting in lower interest rates.
- 贷款额度: RM 20,000 - RM 500,000+
- 还款期: 1年 - 5年 / 1-5 years
- 利率: 6% - 12% 年利率 p.a.
- 首付 Down Payment: 通常10-30%
3. 商业扩张贷款 Business Expansion Loan
🚀 最适合：开设新分店或扩大规模
扩张贷款用于业务增长，如开设新分店、进入新市场、增加产能或收购其他企业。这类贷款通常金额较大，还款期较长。
Expansion loans support business growth, such as opening new branches, entering new markets, increasing capacity, or acquiring other businesses. These loans typically have larger amounts and longer tenures.
- 贷款额度: RM 50,000 - RM 1,000,000+
- 还款期: 2年 - 7年 / 2-7 years
- 利率: 7% - 14% 年利率 p.a.
- 要求: 需提供详细商业计划 / Detailed business plan required
4. 发票融资 Invoice Financing
📄 最适合：B2B企业改善现金流
发票融资允许企业以未付发票作为抵押获得即时现金，无需等待客户付款。特别适合有长账期的B2B企业。
Invoice financing allows businesses to use unpaid invoices as collateral for immediate cash without waiting for customer payments. Ideal for B2B companies with long payment terms.
- 融资额度: 发票金额的60-90%
- 费用 Fees: 1-5% 融资费用
- 审批时间: 24-48小时
- 灵活性: 按需使用，无固定还款期
5. SME贷款 Government-Backed SME Loans
🇲🇾 政府支持的中小企业贷款
马来西亚政府通过各种计划支持SME发展，包括CGC担保计划、TEKUN微型贷款等。这些贷款通常有较低利率和宽松的申请条件。
The Malaysian government supports SME development through various programs, including CGC guarantee schemes and TEKUN micro-loans. These loans typically offer lower interest rates and more lenient eligibility criteria.
- CGC担保计划: 最高RM 5,000,000担保
- TEKUN: RM 50,000 - RM 500,000微型企业贷款
- 利率优惠: 通常低于市场利率2-4%
- 申请要求: 马来西亚注册企业，符合SME定义
商业贷款申请资格 Business Loan Eligibility Requirements
✅ 基本要求 Basic Requirements
企业注册 Business Registration
在马来西亚SSM注册至少6个月（某些贷款可接受新企业）
Registered with SSM Malaysia for at least 6 months (some loans accept new businesses)
营业额 Annual Revenue
最低月营业额RM 10,000（根据贷款类型而异）
Minimum monthly revenue of RM 10,000 (varies by loan type)
企业主年龄 Owner's Age
21-65岁的马来西亚公民或永久居民
21-65 years old Malaysian citizen or permanent resident
财务记录 Financial Records
至少6个月的银行对账单和财务报表
At least 6 months of bank statements and financial records
信用记录 Credit History
良好的企业和个人信用记录（CTOS/CCRIS）
Good business and personal credit history (CTOS/CCRIS)
需要准备的文件 Required Documents
企业文件 Business Documents
- ✓ SSM注册证书（Form 9/Form 24）
- ✓ 公司章程 Memorandum & Articles
- ✓ 营业执照 Business License
- ✓ 财务报表（6-12个月）Financial Statements
- ✓ 银行对账单（6个月）Bank Statements
- ✓ 报税记录 Tax Returns
个人文件 Personal Documents
- ✓ 身份证复印件 IC Copy (all directors)
- ✓ 个人银行对账单 Personal Bank Statements
- ✓ 住址证明 Proof of Address
- ✓ 最新工资单（如适用）Latest Payslip
- ✓ CTOS/CCRIS信用报告 Credit Report
- ✓ 个人所得税报表 Personal Tax Returns
如何提高商业贷款批准率 How to Improve Approval Chances
🎯 10个提高批准率的技巧 10 Pro Tips
- 1.
保持良好的现金流记录 Maintain Healthy Cash Flow
确保银行对账单显示稳定的营业收入和正现金流
- 2.
准备详细的商业计划 Prepare Detailed Business Plan
清晰说明贷款用途、预期回报和还款计划
- 3.
改善信用评分 Improve Credit Score
及时支付所有账单，清理任何未偿债务
- 4.
提供抵押品（如有）Offer Collateral if Available
抵押品可以降低利率并提高批准机会
- 5.
保持完整的财务记录 Keep Complete Financial Records
整齐、准确的财务文件显示专业管理
- 6.
降低债务收入比 Reduce Debt-to-Income Ratio
在申请新贷款前偿还部分现有债务
- 7.
选择合适的贷款额度 Choose Appropriate Loan Amount
申请符合企业规模和还款能力的金额
- 8.
建立银行关系 Build Banking Relationship
与贷款机构保持良好的业务关系
- 9.
提供准确信息 Provide Accurate Information
确保所有申请信息真实、完整、一致
- 10.
寻求专业建议 Seek Professional Advice
咨询财务顾问或贷款专家获取最佳建议
E-platform credit商业贷款优势 Why Choose E-platform credit
为什么选择我们？Why Us?
极速审批 Ultra-Fast Approval
2-3小时初步批准，1-2天放款
2-3 hours preliminary approval, 1-2 days disbursement
竞争性利率 Competitive Rates
低至6%年利率，透明无隐藏费用
From 6% p.a., transparent with no hidden fees
灵活方案 Flexible Solutions
量身定制还款计划，提前还款无罚金
Customized repayment plans, no early settlement penalty
持牌合法 Licensed & Legal
马来西亚国家银行认证的持牌贷款机构
Licensed by Bank Negara Malaysia
常见问题 Frequently Asked Questions (FAQ)
新企业可以申请商业贷款吗？Can new businesses apply for business loans?
可以！虽然大多数传统银行要求至少1-2年营业记录，但E-platform credit接受成立仅6个月的企业申请。对于新企业，我们更关注商业计划的可行性和创始人的背景。
Yes! While most traditional banks require 1-2 years of operating history, E-platform credit accepts applications from businesses as new as 6 months old. For new businesses, we focus more on the viability of the business plan and the founder's background.
商业贷款需要抵押品吗？Is collateral required for business loans?
不一定。我们提供有抵押和无抵押两种选项。无抵押贷款额度通常在RM 10,000 - RM 100,000之间，利率稍高。有抵押贷款可获得更高额度（最高RM 500,000+）和更优惠利率。
Not necessarily. We offer both secured and unsecured options. Unsecured loans typically range from RM 10,000 - RM 100,000 with slightly higher rates. Secured loans can access higher amounts (up to RM 500,000+) with preferential rates.
信用记录不佳可以申请吗？Can I apply with poor credit history?
可以考虑。我们采用综合评估方式，不仅看信用评分，还会考虑企业的营业额、现金流和增长潜力。即使信用记录不完美，只要企业运营健康，仍有批准机会。
It's possible. We use a comprehensive assessment approach that considers not just credit scores but also business revenue, cash flow, and growth potential. Even with imperfect credit, healthy business operations can still qualify.
审批需要多长时间？How long does approval take?
我们的审批流程非常快速：在线申请后2-3小时获得初步批准通知，文件审核完成后24-48小时内完成最终批准，批准后1-2个工作日放款到您的账户。
Our approval process is very fast: 2-3 hours for preliminary approval after online application, 24-48 hours for final approval after document review, and 1-2 business days for fund disbursement after approval.
可以提前还款吗？有罚金吗？Can I make early repayment? Are there penalties?
可以提前还款，且无任何罚金！我们鼓励财务状况改善的企业提前还款以节省利息。您可以随时进行部分或全额提前还款，利息按实际使用天数计算。
Yes, you can make early repayment with absolutely no penalties! We encourage businesses with improving finances to settle early and save on interest. You can make partial or full early repayment anytime, and interest is calculated based on actual usage days.
哪些行业可以申请？What industries can apply?
我们为各行各业提供融资，包括：零售、餐饮、服务业、批发贸易、制造业、建筑业、物流运输、医疗保健、教育培训、科技创业等。几乎所有合法经营的企业都可以申请。
We provide financing for various industries including: retail, F&B, services, wholesale trade, manufacturing, construction, logistics, healthcare, education, technology startups, and more. Almost all legally operating businesses can apply.
立即开始 Get Started Today
📋 申请流程 Application Process
在线提交申请 Submit Online Application
填写简单表格，5分钟完成 / Fill simple form in 5 minutes
上传文件 Upload Documents
准备必要文件并上传 / Prepare and upload required documents
快速审批 Fast Approval
2-3小时获得初步批准 / Get preliminary approval in 2-3 hours
签署协议 Sign Agreement
电子签署贷款协议 / E-sign loan agreement
快速放款 Fast Disbursement
1-2天内资金到账 / Funds in your account within 1-2 days
结语 Conclusion
商业贷款是企业成长的重要工具，选择合适的融资伙伴至关重要。E-platform credit致力于为马来西亚中小企业提供快速、灵活、透明的融资解决方案。无论您是需要营运资金、购买设备还是扩大业务，我们都能为您量身定制最佳方案。
Business loans are essential tools for company growth, and choosing the right financing partner is crucial. E-platform credit is committed to providing fast, flexible, and transparent financing solutions for Malaysian SMEs. Whether you need working capital, equipment purchases, or business expansion, we can tailor the best solution for you.
现在就开始申请，让您的企业腾飞！
Apply now and take your business to the next level!
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