RHB SME Financing

Borrow Amount	Max. Financing Tenure	Interest Rate	You Pay
RM 100,000	7 Years	7.20% p.a.	RM 2,267/mth

1.2

1.2 out of 5 stars (based on 5 reviews)

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Poor20%

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No Title

November 19, 2024

“I apply for business loan with RHB, take so long lor! I need follow up with them 3-4 times, every time tell me ‘wait, wait’. I don’t understand why so slow one, bank like this cannot trust lah. No updates, no nothing, only delay. Very disappointed!”

olivia

No Title

November 19, 2024

“Customer service so bad, don’t even want to pick up my call! I wait 15 minutes then they say ‘sorry, please wait’ and hang up. Like that also can call themselves bank? I need help with my business loan, but they only make things worse, really disappointed with RHB.”

cilton

No Title

November 19, 2024

“I don’t like how RHB does business. When I ask about the personal loan terms, they only give me basic info, but don’t explain the full details. The interest, repayment, everything got extra charges but not clearly stated. I don’t know where my money went already, no clear explanation!”

gavin

No Title

November 19, 2024

“Went to RHB for business loan, but they didn’t even bother to understand my business. They just gave me some standard offer and didn’t explain how it would actually help my business. If you need personal advice, don’t go to RHB lah, they only care about the paperwork and money.”

simon

No Title

November 19, 2024

cyruslim

RHB SME Financing: A Flexible and Collateral-Free Business Loan Solution

RHB’s SME Financing offers an accessible and flexible loan option for small and medium-sized enterprises (SMEs) looking for financial support without the need for collateral or a guarantor. Ideal for businesses with established operations, this financing solution can help your business grow with competitive features and minimal requirements.

Key Features:

Loan Amount: RM 1,000 to RM 1,000,000
Loan Tenure: Flexible terms based on loan approval
Interest Rate: Competitive, based on the applicant’s profile
Collateral: No collateral or guarantor required
CCRIS Report: Loan does not appear in the CCRIS report for leasing companies
Eligibility & Requirements:
- Minimum Monthly Business Sales: RM 29,000
- Annual Revenue: Minimum RM 350,000
- Years of Operation: Minimum 1 year
- Business Registration: Must be registered in Malaysia
- Required Documents:
  - Latest 6 months of company bank statements
  - Latest 1 year of audit/management accounts
  - NRIC of all shareholders and directors

Key Benefits:

No need for collateral or guarantor, making it easier for businesses to secure financing
Does not affect the CCRIS report for leasing companies, offering a unique advantage
Fast approval and flexible terms to support business growth

Fees & Charges:

Stamp Duty: 0.5% based on the approved loan amount (per Stamp Act 1949, Revised 1989)
Mortgage Reducing Term Assurance (MRTA): Based on shareholders/directors’ age