188, Vantage Desiran Tanjung, Tanjung Tokong, Seri Tanjung Pinang 11200 Penang
Mon - Fri: 9AM - 12PM
hello@northernsme.com
+6017-6785998
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Northern SME | Get Business Loans Approved in 24 Hours
188, Vantage Desiran Tanjung, Tanjung Tokong, Seri Tanjung Pinang 11200 Penang
OPENING HOURS
Mon - Fri: 9AM - 5PM
hello@northernsme.com
+6017-6785998
logo-black
Northern SME | Get Business Loans Approved in 24 Hours

Your Partner in Financial Growth

Our Comprehensive Services

Need funds? Get low-rate personal loans, business financing, or mortgages with flexible terms.

Need funds? Get low-rate personal loans, business financing, or mortgages with flexible terms. We provide competitive loan rates and customizable repayment terms to help you reach your financial goals.

Explore our tailored financial services below and find the perfect fit for your needs.

Personal
Business
Mortgage
Personal Loan
Business Loan
Mortgage Loan
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Personal Loan

Financial Relief, Instantly

Get quick, easy loans for private and government employees—instant cash for your urgent needs!

Enjoy fast approval in minutes, flexible repayment tenure, and no hidden fees.

Apply Now
Personal-Loan

Higher Loan Amounts

Get the funding you truly need - we tailor loan amounts to match your specific financial requirements.

Lower Interest Rate

Enjoy competitive rates customized to your financial profile and current market conditions.

Blacklisted? Still Qualify!

We look beyond credit scores, offering opportunities even if you've faced financial difficulties before.

* Terms and Conditions Applies

Business Loan

Quick Cash to Seize Every Opportunity

Get immediate business loans designed for owners—fast access to capital to grow your company!

Benefit from competitive rates, quick approval, flexible repayment terms, and no collateral required.

Apply Now
Business-Loan

Boost Business Growth

Get the funding you need to scale operations, strengthen your market position, and drive long-term success.

Bulk Stock Financing

Unlock bulk purchasing power, buy more inventory at better rates to increase profit margins.

Expand Your Reach

Fuel business expansion, enter new markets, and achieve your growth goals with flexible capital.

* Terms and Conditions Applies

Mortgage Loan

Turn Property into Immediate Capital

Unlock the value of your property with fast, flexible mortgage loans—get immediate capital for your financial needs!

Enjoy high loan amounts, low interest rates, flexible repayment periods, and rapid approval.

Apply Now
Mortgage-Loan

Unlock Your Property's Potential

Use your home's equity - whether terrace, semi-detached, bungalow or condo - to access the funds you need while maintaining ownership.

Safe & Regulated Financing

Rest easy knowing your property is protected under our licensed custody and fully returned upon loan settlement.

Build Your Financial Freedom

Transform your property value into opportunities that lead to lasting financial independence and stability.

* Terms and Conditions Applies

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 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.
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Our Customer Stories

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

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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.

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Puan Aminah bt Abdullah Nurse, Alor Setar

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

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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!

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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.

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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!

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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:
  • Faster decisions (days vs. weeks).
  • Personalized advisors (not call centers).
  • Loans for “risky” industries (F&B, retail, etc.).
What if I miss a payment?
Contact us immediately—we’ll adjust your plan without punitive fees.
Can I refinance existing loans through you?
Yes! We often consolidate high-interest debt into lower-rate loans.