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槟城中小企业贷款 / SME Loan Penang

Business financing solutions for Penang SMEs. 槟城中小企业融资专家，服务自2010年。
KPKT 持牌 · WL4766/01/01-11/251126
12小时快速批核 12-Hour Approval
1,000+ 槟城客户 Penang Clients
100% 保密 Strictly Confidential
WhatsApp NowBook Appointment

贷款详情

Loan Details
Loan AmountRM20,000 – RM1,000,000
Tenure12 – 60 months
Interest RateFrom 5.0% p.a. (reference)
EligibilityMalaysian-registered business
Min Operating12 – 24 months
Estimated Approval7 – 21 business days
ConsultationBy Appointment, Gurney Tower, Penang

适用场景

Business Financing Use Cases
营运资金 Working Capital

Day-to-day operational expenses and cash flow management

业务扩张 Business Expansion

Open new locations or scale existing operations

设备采购 Equipment Purchase

Machinery, vehicles, technology

翻新装修 Renovation

Shop fit-out or office renovation

现金流周转 Cash Flow Bridge

Manage seasonal or payment cycle gaps

新业务启动 New Business Setup

Get your new venture funded

申请资格

Eligibility

Eligibility

  • Business registered in Malaysia (SSM)
  • Operating for minimum 12–24 months
  • Director / owner acts as guarantor
  • Annual turnover RM100,000+

Documents Required

  • SSM registration
  • 6 months business bank statements
  • Latest 2 years management accounts or tax returns
  • Director MyKad copies
  • Existing facility statements (if any)

申请流程

How It Works
1
💬

WhatsApp 咨询 WhatsApp Us

Send us a WhatsApp message or complete the eligibility checker. Free. No obligation. 华语或英语皆可。

2
📅

预约咨询 Book Appointment

Schedule your one-on-one consultation at our Gurney Tower, Penang office. By appointment only — no walk-ins accepted.

3
📄

文件审核 Document Review

Submit your documents. We assess your profile and compare options across multiple banks for the best fit.

4
✅

贷款批核 Loan Approved

Loan approved and disbursed directly to your account. We guide you through every step until completion.

常见问题

FAQ
Most SSM-registered Malaysian businesses. Sole proprietors, partnerships, Sdn Bhd.
Not always. We assess each case. Some products are unsecured.
From 5.0% p.a. reference. Actual rate depends on bank, business profile, and tenure.
It is more difficult. Contact us and we will assess honestly.
Approximately 7–21 business days subject to document completeness and bank processing.
First Capital (WL4766/01/01-11/251126) is a KPKT-licensed loan consultant based in Gurney Tower, Penang, serving Chinese-speaking borrowers since 2010.
12小时内批核回复 · 12-Hour Approval Response

免费咨询，30秒了解您能借多少Free Consultation · Know How Much You Qualify in 30 Seconds

KPKT 持牌贷款顾问 · 槟城本地团队 · 华语服务 · 100% 保密。No fees until your loan is approved.

KPKT WL4766/01/01-11/251126 资料严格保密 12h 快速回复
WhatsApp 免费咨询 · Free Quote in 12h 预约咨询 Book Appointment 申请贷款 Apply Online

仅限预约咨询，恕不接受即访 · Appointment Only, No Walk-In · WhatsApp 我们随时回复