Alliance Digital SME Express Financing

Boost Your Business, Fast.

Fast, easy access to business funds with collateral-free loans of up to RM500,000. Repayment period of up to 7 years with interest from just 5.90% p.a.*

Alliance Digital SME Express Financing
Special interest rate promo as low as 4.88% p.a.*
Promo ends 30th Sep 2023 (See Terms & Conditions)

Benefits of Digital SME Express Financing

  • Collateral-free financing of RM20,000 up to RM500,000 (new).
  • Flat-rate interest as low as 5.90% p.a.*
  • Up to 7 years to repay.
  • No Branch visits required.
  • 1 document to apply online.
  • No hidden fees & charges.
  • Access funds within days*.
  • No lock-in period.

*Terms and conditions apply.


  • Business registered in Malaysia.
  • For Sole-Proprietorship, Partnership and Private Limited Companies (Sdn Bhd).
  • Annual business sales revenue of at least RM50,000.
  • In business for at least 1 year.


  • Company Owner/Director/Shareholder to apply.
  • Latest 6 months company bank statements*.
  • 100% Malaysian owned company.
  • All company shareholders/directors are required to be loan guarantors.

*Other supporting documents may be required, subject to the Bank's discretion.

Loan calculator


Financing Amount

MYR 100,000
20,000 500,000

To be paid over

3 year(s)
1 year 7 years

Indicative interest/profit rate

9.00 (% pa)
5.90 13.78
Estimated monthly payment


Results from the calculation are provided as a guide and do not constitute an offer

Apply in 3 simple steps

Complete information on the web-form in just few minutes!
Upload company's bank statement along with NRIC. Additional documents may be requested subject to the Bank's decision.
Attend a virtual interview once your application is shortlisted.
4 Accept our offer!

Frequently Asked Questions

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: Minimum RM20,000 up to RM500,000
Tenure: Minimum 1 year up to 7 years
Interest Rate: Approximately between 5.90% p.a. to 13.78% p.a. (flat rate), equivalent to rates as low as 0.49% per month. (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)
Maximum financing tenure: 5 years
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)
Documentation Fee: Waived.
Note: Kindly be informed that Alliance Bank does not appoint any third party to act on its behalf for Alliance Digital SME loan application. No handling fee/commission is required to be paid to any agent/advisors/consultants and/or Alliance Bank employees.
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 Bank will review your application and provide a decision within 3 working days for loans up to RM300,000.
Yes, you may need to provide additional documents as and when requested by the Bank as it deems necessary for processing the application.


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