Mutual SME Financing
Smarter SME Financing, Better Cash Flow
Power your business growth with fast, flexible SME financing.
- Approval as fast as 1 hour
- Rates from 0.8% per month
- Financing up to RM500,000
- No collateral required
- Shariah-compliant options available
Get exclusive rewards when you apply this month — supporting you with tools to manage and grow your business.
Registration Now
Financing for Business Growth
SME Business Loan Solutions
Whether you’re expanding your business, purchasing equipment, increasing stock, or investing in marketing, our SME loan options are tailored for your needs. Enjoy a simple application process, quick approval, and transparent terms — made to support Malaysian entrepreneurs and small business owners.
Strengthen Your Cash Flow with Ease
Working Capital Solutions
Running a business and juggling multiple expenses? Need smoother cash flow for daily operations? Our SME financing solutions help you manage working capital efficiently — so you can focus on growing your business. Access funds to cover payroll, inventory, marketing, utilities, supplier payments, and more — all with flexible terms designed for SMEs.
Competitive Rates, Flexible Tenure
Rates from 0.8% per month | Tenure: 6 to 18 Months
Get business financing at competitive rates with repayment terms that fit your business cash cycle. Choose the plan that best suits your needs and manage your repayments with confidence.
Representative Example:
- Loan Amount: RM50,000
- Tenure: 12 months
- Rate: from 0.8% per month
- Total Repayment: RM (based on final offer)
Terms and conditions apply
SME Financing Partner
Supporting Malaysian Businesses with Over 10 Years of Experience
At Mutual Consultancy,, we understand the challenges of running and growing a business. With over a decade of experience in business financing, we’ve supported thousands of Malaysian entrepreneurs and SMEs in accessing funding to manage cash flow, expand operations, and seize new opportunities.
We provide a range of SME financing options designed to suit different business needs — from working capital support to funds for stock purchase, equipment, and business expansion. Enjoy flexible financing tenures from 6 to 18 months with transparent rates and straightforward terms, so you can plan your business growth with confidence.
Your business goals matter — and we’re here to help you move forward with the right financial support.
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Over 5,000 Customers Trust Our Services
100% Safe and Secure
Your privacy is fully protected under the Moneylenders Act 1951. Your information will remain confidential and will never be misused.
Fast & Efficient
We can approve your loan on the same day, ensuring you receive your funds immediately.
Fixed Interest Rates
A trusted licensed moneylender offering interest rates as low as 1.5%—with no collateral or guarantor required.
Flexible & Easy Rep Scheme
- With Collateral: 1.0% per month (12% APR)
- With Collateral: 1.0% per month (12% APR)
Affordable, transparent, and designed to fit your financial needs!
| Total Loan (RM) | 6 Months | 12 Months | 24 Months | 36 Months | 48 Months | 60 Months |
|---|---|---|---|---|---|---|
| 1000 | 181.66 | 98.33 | 56.66 | 42.77 | 35.83 | 31.66 |
| 2000 | 363.33 | 196.66 | 113.33 | 85.55 | 71.66 | 63.33 |
| 3000 | 545.00 | 295.00 | 170.00 | 128.33 | 107.50 | 95.00 |
| 4000 | 726.66 | 393.33 | 226.66 | 171.11 | 143.33 | 126.66 |
| 5000 | 908.33 | 491.66 | 283.33 | 213.88 | 179.16 | 158.33 |
| 10000 | 1816.60 | 983.30 | 566.60 | 427.70 | 358.30 | 316.60 |
| 20000 | 3633.30 | 1966.60 | 1133.30 | 855.50 | 716.60 | 633.30 |
| 30000 | 5450.00 | 2950.00 | 1700.00 | 1283.30 | 1075.00 | 950.00 |
| 40000 | 7266.60 | 3933.30 | 2266.60 | 1711.10 | 1433.30 | 1266.60 |
| 50000 | 9083.30 | 4910.60 | 2833.30 | 2138.80 | 1791.60 | 1583.30 |
Trusted SME Financing Partner in Bandar Johor
We provide reliable and accessible SME financing solutions designed to support Malaysian businesses in managing cash flow, purchasing inventory, expanding operations, and strengthening working capital.
With us, you’ll enjoy:
- Competitive financing rates
- Flexible repayment plans
- Financing options tailored to your business needs
- Clear terms and manageable monthly instalments
Whether you’re running a startup, small enterprise, or growing company, we’re here to help you move forward with confidence.
