Empowering Northern Businesses to Flourish

Fast SME Funding in Northern Malaysia

A trusted lender offering low-interest Personal, Business & Mortgage Loans. Fast approval, 100% private. Ex-bank experts, 500+ businesses helped. Apply in 5 mins!

Our Comprehensive Services

Check Eligibility Now (Free)

Navigating Your Financial Options

Simple Steps to Your Loan Approval

01

Understanding Your Needs

Our friendly consultants will listen attentively and try to understand your unique financial situation, goals, and challenges.

02

Tailoring Your Options

We'll provide you with clear and transparent explanations of the available loan terms, interest rates, and repayment schedules.

03

Securing Your Financial Goals

Once you've chosen the best loan solution, we'll guide you through the application process and ensure a smooth and efficient experience.

Your Partner in Financial Growth

Our Comprehensive Services

Personal Loan

Financial Relief, Instantly

Quick, easy loans for private & govt employees. Get instant cash for your urgent needs!

✅ Apply in minutes

✅ Fast approval

✅ Flexible tenure

✅ No hidden fees

* T&C Applies

Apply Now

Business Loan

Quick Cash to Seize Every Opportunity

Immediate business loans for owners. Access the capital you need to drive your business forward.

✅ Competitive Rates

✅ Speedy clearance

✅ Scalable timeframe

✅ No Collateral Needed

* T&C Applies

Apply Now

Mortgage Loan

Turn Property into Immediate Capital

Turn your property into immediate capital. Fast & flexible mortgage loans for your financial needs.

✅ High Loan Amounts

✅ Low Interest Rates

✅ Variable period

✅ Rapid processing

* T&C Applies

Apply Now

Your Trusted Partner for Financial Solutions

Why Choose Us

Rapid Funding

Get approved and receive your funds within 24 hours. *T&C Applies

Inclusive Lending

We believe everyone deserves access to financial solutions, regardless of past credit challenges.

Licensed and Regulated

We operate as a licensed financial institution, ensuring your peace of mind.

Transparent Terms

Experience clear and straightforward lending with no hidden fees.

Our Customer Stories

Northern SME got my Penang factory RM250,000 in just 3 days when banks rejected us. They really understand manufacturing businesses.

Encik Farid bin Mohd Factory Owner, Penang

Approved my RM35,000 personal loan in 1 day for my daughter's hospital bills. Lifesavers during our tough time.

Puan Aminah bt Abdullah Nurse, Alor Setar

Funded our AI startup with RM120,000 and gave useful tech industry connections too.

Mr. Rajesh Kumar Tech Founder, Bayan Lepas

Needed RM15k fast when my car broke down. Northern SME processed everything through WhatsApp - didn't even need to visit their office!

David Wong Grab Driver, Penang

Got RM80,000 to upgrade my kitchen in 48 hours! Other banks took weeks just to say no. Northern SME saved my business during peak season.

Sarah Lim Cafe Shop Owner, George Town

When my roof leaked during monsoon season, Northern SME's RM10k personal loan came through faster than the insurance claim!

Aisha bt Musa Housewife, Perlis

Check Eligibility Now (Free)

Your Loan Questions Answered

Frequently Asked Questions

What are the basic eligibility criteria for an SME loan?

Most businesses qualify if they’re:

Registered in Malaysia (SSM) for ≥6 months.

Generating ≥RM10K/month in revenue.

No severe credit defaults (we help rebuild credit).

Do I need collateral to secure a loan?

Not always! We offer both secured and unsecured options. Startups often qualify for unsecured loans up to RM150K.

How long does approval take?

Pre-approval in 24 hours; funds disbursed within 2–5 days if documents are complete.

What are the basic eligibility criteria for an SME loan?

Typically:

6 months’ bank statements.

SSM/Business registration.

Owner’s IC & tax filings (if available).

Can I apply with bad credit (Blacklisted)?

Yes, you can! We specialize in alternative credit assessments (e.g., cash flow, business potential). We believe everyone deserves access to financial solutions, regardless of past credit challenges.

What’s the interest rate range?

Interest rates vary depending on loan type, amount, and your business’s financial profile. We offer competitive, risk-adjusted pricing tailored to your situation.

Are there hidden fees?

Never. We will only charge:

Processing fee: 1–2% (waived for first 50 applicants).

SSM/Zero prepayment penalties.

Can I get a flexible repayment schedule?

Yes, you can. Repayment plans would be customized to suit your cash flow needs. We'll work with you to find a comfortable schedule.

What if I need more funding later?

Existing clients get priority access to top-ups at discounted rates. Terms and Conditions Apply.

Is my data safe with NorthernSME?

Your data is safe with us. We never share data without consent.

How is NorthernSME different from banks?

We offer: