Alliance Digital SME Cash Flow Financing
Expand Opportunities With Timely Cashflow Access.
Enjoy collateral-free business financing of up to RM1,000,000 at affordable rates of BLR + 2.00% p.a.* Apply in minutes online & access funds within weeks!
APPLY NOW CHECK APPLICATIONAlliance Bank DOES NOT,
- Collect upfront payment/fees.
- Require payment to any agent(s)/advisor(s)/consultant(s) and/or Alliance Bank employee(s).
- Appoint 3rd party for processing of loan application.
Benefits of Digital SME Cash Flow Financing
- Collateral free financing of RM201,000 up to RM1,000,000.
- Affordable rate as low as BLR + 2.00% p.a.*
- Up to 7 years to pay.
- No Branch visits required.
- Access funds within weeks*.
- No hidden fees & charges
*Terms and conditions apply.
Eligibility
- Business registered in Malaysia.
- For Sole-Proprietorship, Partnership and Private Limited Companies (Sdn Bhd).
- Annual business sales revenue of at least RM500,000.
- In business for at least 3 years.
Requirements
- Company Owner/Director/Shareholder to apply.
- Latest 6 months company bank statements*.
- Minimum 51% shareholding by Malaysians.
- Joint and Several Guarantee is required (Sdn Bhd only).
*Other supporting documents may be required, subject to the Bank's discretion.
Loan Calculator
Alliance Digital SME Cash Flow Financing
Estimated monthly payment
RM
7,436.47
Results from the calculation are provided as a guide and do not constitute an offer
Apply in 3 simple steps
| 1
|
Complete information on the web-form in just few minutes! |
| 2
|
Upload company's bank statement along with NRIC. Additional documents may be requested subject to the Bank's decision. |
| 3
|
Attend a virtual interview once your application is shortlisted. |
| 4 | Accept our offer! |
Frequently Asked Questions (FAQ)
Yes, it may.
Yes, it may.
Yes, it may.
Company/business with directors/shareholders/ business owners between the age of 21-65 years old are encouraged to apply.
It is encouraged to submit both bank accounts to support and increase the chances of approval.
Yes, it may
The Bank will look at past 12 months records.
Yes, it may. Any delay in personal loan repayment by a director/shareholder/business owner may affect the loan application.
Yes, it may. Business owner’s consistent repayment of his/her credit card(s) will strengthen their chances to obtain approval.
Yes, it may have impact on obtaining new credit in light of the overall high commitment of the company/business and its director/shareholder/business owner who are guarantors.
Financing amount: Above RM200,000 up to RM1,000,000
Tenure: Minimum 3 years up to 7 years
Interest Rate: Approximately between BLR+ 3.0% p.a. to 3.5% p.a. (The interest rate quoted and/or prescribed by the Bank is subject to the Bank’s right to vary the same from time to time with prior notice to you)
BLR: Base Lending Rate
Stamp Duty: A flat rate of 0.5% on the loan amount or such other rate prescribed under the Stamp Act, 1949 (as amended or re-enacted from time to time). The Bank does not collect upfront or stamp study fees. These amounts will be deducted directly from your disbursed loan.
Documentation Fee: Waived.
Note: Please be aware that Alliance Bank has not appointed any third parties to act on its behalf for Alliance Digital SME loan applications. No upfront payments (such as handling fees, guarantee fees, commissions, processing fees, stamp duty, etc.) should be paid to any individual, company account, agent, advisor, consultant, or Alliance Bank employee.
All business industries are encouraged to apply. However, approval is subject to the Bank's credit assessment.
Upon submission, you can track your application status online here. The review process for loans of RM200,000 and above may take at least up to 2 weeks subject to the Bank’s credit assessment process.
Yes, you may need to provide additional documents as and when requested by the Bank as it deems necessary for processing the application.
More Information
EN | BM
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