{"id":18,"date":"2026-07-08T07:11:21","date_gmt":"2026-07-08T07:11:21","guid":{"rendered":"https:\/\/ncgsolution.com.my\/business-loan\/"},"modified":"2026-07-23T15:01:38","modified_gmt":"2026-07-23T07:01:38","slug":"business-loan","status":"publish","type":"page","link":"https:\/\/ncgsolution.com.my\/zh\/business-loan\/","title":{"rendered":"\u4f01\u4e1a\u8d37\u6b3e"},"content":{"rendered":"<p><img decoding=\"async\" alt=\"SME business loan financing in Malaysia\" src=\"https:\/\/images.unsplash.com\/photo-1582407947304-fd86f028f716?auto=format&amp;fit=crop&amp;w=1600&amp;q=70\" \/><\/p>\n<p>\u9996\u9875 \/ \u670d\u52a1 \/ \u4f01\u4e1a\u8d37\u6b3e<\/p>\n<h1>\u4f01\u4e1a\u8d37\u6b3e\uff0c\u8f7b\u677e\u529e\u7406<\/h1>\n<p>Working capital, equipment &amp; expansion funding, no collateral required. If you&#8217;ve traded 6+ months with SSM registered 1+ year, we help you get approved even after a bank said no.<\/p>\n<p>Who It&#8217;s For<\/p>\n<h2>\u4f01\u4e1a\u8d37\u6b3e\u6210\u529f\uff0c \u8f7b\u677e\u529e\u7406\u3002<\/h2>\n<p>\nBuilt for SMEs and small business owners who need flexible financing without pledging heavy collateral. Whether you&#8217;re smoothing cash flow, buying equipment or funding expansion, we match your business to the right facility and prepare a bank-ready application.<\/p>\n<h3>\u9002\u5408\u4ee5\u4e0b\u4f01\u4e1a\u2026\u2026<\/h3>\n<ul>\n<li>\u2713Want financing without pledging heavy collateral.<\/li>\n<li>\u2713Need working capital to cover day-to-day operations.<\/li>\n<li>\u2713Are buying equipment, vehicles or funding expansion.<\/li>\n<li>\u2713Have been operating for at least 6 months.<\/li>\n<\/ul>\n<p><img decoding=\"async\" alt=\"SME business loan financing in Malaysia\" src=\"https:\/\/images.unsplash.com\/photo-1582407947304-fd86f028f716?auto=format&amp;fit=crop&amp;w=1000&amp;q=75\" \/><\/p>\n<p>\u4e3a\u9a6c\u6765\u897f\u4e9a\u4e2d\u5c0f\u4f01\u4e1a\u800c\u751f<\/p>\n<h2>\u6211\u4eec\u719f\u6089\u94f6\u884c \u5ba1\u6279\u653f\u7b56\u3002<\/h2>\n<p>\u4e0d\u7ba1\u60a8\u662f\u9700\u8981\u5468\u8f6c\u8d44\u91d1\u6765\u5e73\u8861\u73b0\u91d1\u6d41\uff0c\u8fd8\u662f\u8981\u8d44\u91d1\u6765\u6269\u5145\u4e1a\u52a1\uff0c\u6211\u4eec\u90fd\u4f1a\u7167\u60a8\u751f\u610f\u771f\u6b63\u7684\u8d5a\u94b1\u65b9\u5f0f\u6765\u89c4\u5212\u878d\u8d44\uff0c\u5f88\u591a\u65f6\u5019\u90fd\u4e0d\u7528\u62ff\u51fa\u5927\u91cf\u62b5\u62bc\u3002\u6211\u4eec\u662f\u524d\u94f6\u884c\u5bb6\uff0c\u5f88\u6e05\u695a\u94f6\u884c\u5b9e\u9645\u4e0a\u662f\u600e\u4e48\u5ba1\u4e2d\u5c0f\u4f01\u4e1a\u7533\u8bf7\u7684\uff0c\u6240\u4ee5\u80fd\u5e2e\u60a8\u628a\u6570\u636e\u6574\u7406\u5f97\u6f02\u6f02\u4eae\u4eae\uff0c\u4e3a\u83b7\u6279\u4e89\u53d6\u6700\u5927\u7684\u673a\u4f1a\u3002<\/p>\n<p>\u878d\u8d44\u7c7b\u578b<\/p>\n<h2>\u9002\u5408\u6bcf\u4e2a \u9636\u6bb5 \u7684\u65b9\u6848\u3002<\/h2>\n<h3>\u4e2d\u5c0f\u4f01\u4e1a\u8d37\u6b3e<\/h3>\n<p>\u4e3a\u6210\u719f\u4e2d\u5c0f\u4f01\u4e1a\u91cf\u8eab\u5b9a\u5236\u7684\u5b9a\u671f\u878d\u8d44\u3002<\/p>\n<h3>\u5fae\u578b\u878d\u8d44<\/h3>\n<p>\u989d\u5ea6\u8f83\u5c0f\u3001\u95e8\u69db\u8f83\u4f4e\uff0c\u52a9\u521d\u521b\u6216\u5fae\u578b\u4f01\u4e1a\u8d77\u6b65\u3002<\/p>\n<h3>\u8425\u8fd0\u8d44\u91d1<\/h3>\n<p>\u5e94\u5bf9\u5b63\u8282\u6ce2\u52a8\uff0c\u652f\u4ed8\u85aa\u8d44\u3001\u5e93\u5b58\u4e0e\u4f9b\u5e94\u5546\u6b3e\u9879\u3002<\/p>\n<h3>\u8bbe\u5907\u4e0e\u8f66\u8f86\u878d\u8d44<\/h3>\n<p>\u878d\u8d44\u8d2d\u7f6e\u673a\u5668\u3001\u5de5\u5177\u6216\u5546\u7528\u8f66\u8f86\uff0c\u4e0d\u5360\u7528\u73b0\u91d1\u3002<\/p>\n<h3>P2P \u501f\u8d37<\/h3>\n<p>Alternative peer-to-peer financing when traditional banks aren&#8217;t a fit.<\/p>\n<h3>\u65e0\u9700\u62b5\u62bc<\/h3>\n<p>\u6211\u4eec\u591a\u6570\u4e2d\u5c0f\u4f01\u4e1a\u65b9\u6848\u90fd\u65e0\u9700\u62b5\u62bc\uff0c\u8ba9\u60a8\u6269\u5c55\u4e1a\u52a1\u4e0d\u5fc5\u62ff\u8d44\u4ea7\u6765\u5192\u9669\u3002<\/p>\n<p>\u8d44\u683c\u4e0e\u6587\u4ef6<\/p>\n<h2>\u94f6\u884c\u60f3\u770b\u5230 \u4ec0\u4e48\u3002<\/h2>\n<h3>\u8d44\u683c\u6761\u4ef6<\/h3>\n<ul>\n<li>\u2713Business operating for a minimum of 6 months.<\/li>\n<li>\u2713Consistent bank-in trend across recent statements.<\/li>\n<li>\u2713Acceptable company and director CCRIS \/ CTOS records.<\/li>\n<li>\u2713Registered business with an active bank account.<\/li>\n<\/ul>\n<h3>\u9700\u51c6\u5907\u6587\u4ef6<\/h3>\n<ul>\n<li>\u2192SSM registration documents (Form 9, 24, 49 or equivalent).<\/li>\n<li>\u21926 months of business bank statements.<\/li>\n<li>\u2192Tax documents and financial statements (where available).<\/li>\n<li>\u2192Director MyKad and basic business profile.<\/li>\n<\/ul>\n<p>\u66fe\u88ab\u62d2\u7edd\uff1f<\/p>\n<h2>\u94f6\u884c\u4e3a\u4f55\u62d2\u7edd\u60a8\uff08\u4ee5\u53ca\u6211\u4eec\u5982\u4f55 \u89e3\u51b3\uff09\u3002<\/h2>\n<h3>\u7ecf\u8425\u8bb0\u5f55\u592a\u77ed<\/h3>\n<p>\u8425\u8fd0\u4e0d\u8db3 6 \u4e2a\u6708\u6216 SSM \u6ce8\u518c\u4e0d\u6ee1\u4e00\u5e74\u3002\u6211\u4eec\u4e3a\u60a8\u5339\u914d\u63a5\u53d7\u521d\u521b\u4f01\u4e1a\u7684\u5fae\u578b\u878d\u8d44\u6216 P2P\u3002<\/p>\n<h3>\u5165\u8d26\u8d8b\u52bf\u8584\u5f31<\/h3>\n<p>\u4e0d\u89c4\u5f8b\u7684\u5b58\u6b3e\u4ee4\u94f6\u884c\u62c5\u5fe7\u3002\u6211\u4eec\u6559\u60a8\u5728\u7533\u8bf7\u524d\u5982\u4f55\u5448\u73b0\u73b0\u91d1\u6d41\u3002<\/p>\n<h3>\u8d1f\u62c5\u8fc7\u591a<\/h3>\n<p>\u73b0\u6709\u8d37\u6b3e\u628a DSR \u62c9\u5f97\u592a\u9ad8\u3002\u6211\u4eec\u4f1a\u5728\u7533\u8bf7\u524d\u5148\u89c4\u5212\u597d\u89e3\u51b3\u65b9\u6848\uff0c\u901a\u5e38\u662f\u505a\u503a\u52a1\u6574\u5408\u3002<\/p>\n<h3>\u8463\u4e8b\u4fe1\u7528\u95ee\u9898<\/h3>\n<p>Late payments on the director&#8217;s CCRIS\/CTOS. A free credit check tells us exactly what to fix first.<\/p>\n<p>\u670d\u52a1\u6d41\u7a0b<\/p>\n<h2>\u6e05\u6670\u3001\u8bda\u5b9e\u7684 \u6d41\u7a0b\u3002<\/h2>\n<p>1<\/p>\n<h3>\u514d\u8d39\u54a8\u8be2<\/h3>\n<p>\u6211\u4eec\u67e5\u770b\u60a8\u7684\u4f01\u4e1a\u73b0\u91d1\u6d41\u3001\u503a\u52a1\u548c CCRIS\u3002\u514d\u8d39\uff0c\u4e5f\u6ca1\u6709\u4efb\u4f55\u4e49\u52a1\u3002<\/p>\n<p>2<\/p>\n<h3>\u8d37\u6b3e\u65b9\u6848\u5206\u6790<\/h3>\n<p>\u8bc4\u4f30\u8d44\u683c\u5e76\u8c03\u7814\u5e02\u573a\uff0c\u627e\u51fa\u6700\u5408\u9002\u7684\u878d\u8d44\u65b9\u6848\u3002<\/p>\n<p>3<\/p>\n<h3>\u7533\u8bf7\u529e\u7406<\/h3>\n<p>\u6211\u4eec\u51c6\u5907\u6587\u4ef6\uff0c\u5e76\u4ee3\u8868\u60a8\u4e0e\u94f6\u884c\u6c9f\u901a\u3002<\/p>\n<p>4<\/p>\n<h3>\u8d37\u6b3e\u83b7\u6279<\/h3>\n<p>\u5ba1\u6838\u6700\u7ec8\u6761\u6b3e\uff0c\u5e76\u5728\u653e\u6b3e\u540e\u6301\u7eed\u63d0\u4f9b\u518d\u878d\u8d44\u6307\u5bfc\u3002<\/p>\n<p>\u4f18\u52bf<\/p>\n<h2>\u52a9\u529b\u4f01\u4e1a \u6210\u957f \u7684\u5b9e\u5728\u652f\u6301\u3002<\/h2>\n<h3>\u66f4\u7a33\u5065\u7684\u73b0\u91d1\u6d41<\/h3>\n<p>\u5728\u6de1\u5b63\u4e0e\u5b63\u8282\u6ce2\u52a8\u4e2d\u4fdd\u6301\u8fd0\u8425\u987a\u7545\u3002<\/p>\n<h3>\u5371\u673a\u5e94\u5bf9<\/h3>\n<p>\u5907\u597d\u8d44\u91d1\u5e94\u5bf9\u7a81\u53d1\u5f00\u9500\uff0c\u4e0d\u62d6\u6162\u6210\u957f\u811a\u6b65\u3002<\/p>\n<h3>\u65e0\u9700\u62b5\u62bc<\/h3>\n<p>\u591a\u6570\u4e2d\u5c0f\u4f01\u4e1a\u65b9\u6848\u65e0\u9700\u62b5\u62bc\uff0c\u6269\u5c55\u4e1a\u52a1\u65e0\u9700\u62ff\u8d44\u4ea7\u5192\u9669\u3002<\/p>\n<h3>\u63d0\u5347\u4fe1\u7528\u6863\u6848<\/h3>\n<p>\u59a5\u5584\u7ba1\u7406\u7684\u878d\u8d44\u80fd\u5efa\u7acb\u8bb0\u5f55\uff0c\u4e3a\u65e5\u540e\u66f4\u5927\u989d\u5ea6\u94fa\u8def\u3002<\/p>\n<h3>\u7075\u6d3b\u6761\u6b3e<\/h3>\n<p>\u5e74\u9650\u4e0e\u8fd8\u6b3e\u7ed3\u6784\u8d34\u5408\u60a8\u7684\u4f01\u4e1a\u6536\u5165\u8282\u594f\u3002<\/p>\n<h3>\u6210\u957f\u7a7a\u95f4<\/h3>\n<p>\u6309\u81ea\u5df1\u7684\u8282\u594f\u4e3a\u6269\u5f20\u3001\u65b0\u8bbe\u5907\u6216\u65b0\u5e02\u573a\u878d\u8d44\u3002<\/p>\n<p>\u4f01\u4e1a\u8d37\u6b3e\u5e38\u89c1\u95ee\u9898<\/p>\n<h2>\u95ee\u9898\uff0c \u4e3a\u60a8\u89e3\u7b54\u3002<\/h2>\n<p>Do I really need no collateral?+<\/p>\n<p>Most of our SME facilities are unsecured, so you don&#8217;t need to pledge property or fixed assets. Banks assess your business cash flow, bank-in trend and credit standing instead. We help present these in the strongest possible light.<\/p>\n<p>How new can my business be?+<\/p>\n<p>Generally we look for a minimum of 6 months in operation with a consistent bank-in trend. Younger or micro businesses may still qualify through microfinancing or P2P lending. We&#8217;ll tell you honestly what&#8217;s realistic.<\/p>\n<p>Can I use the funds for anything?+<\/p>\n<p>Working capital financing is flexible: payroll, stock, supplier payments and day-to-day costs. Equipment and vehicle financing is tied to the specific asset. During consultation we&#8217;ll match the right facility to your actual need.<\/p>\n<p>Does NCG lend the money directly?+<\/p>\n<p>\u4e0d\u4f1a\u3002NCG \u662f\u987e\u95ee\u516c\u53f8\uff0c\u672c\u8eab\u4e0d\u53d1\u653e\u8d37\u6b3e\u3002\u6240\u6709\u878d\u8d44\u90fd\u7531\u94f6\u884c\u6216\u6301\u724c\u673a\u6784\u63d0\u4f9b\u3002\u6211\u4eec\u8d1f\u8d23\u7ed9\u60a8\u5efa\u8bae\u3001\u5e2e\u60a8\u6574\u7406\u597d\u7533\u8bf7\uff0c\u518d\u4ee3\u60a8\u53bb\u8c08\u3002\u8d37\u6b3e\u672c\u8eab\u8fd8\u662f\u6765\u81ea\u653e\u8d37\u65b9\u3002<\/p>\n<p>\u7acb\u5373\u5f00\u59cb<\/p>\n<h2>60 \u79d2\uff0c\u8bc4\u4f30\u60a8\u7684\u4e2d\u5c0f\u4f01\u4e1a\u8d37\u6b3e\u3002<\/h2>\n<p>\u65e0\u9700\u9884\u4ed8\u8d39\u7528\u3002\u8d44\u6df1\u987e\u95ee\u4f1a\u5ba1\u6838\u60a8\u7684\u4f01\u4e1a\u60c5\u51b5\u5e76\u901a\u8fc7 WhatsApp \u56de\u590d\uff0c\u5f80\u5f80\u51e0\u5206\u949f\u5185\u3002<\/p>\n<p><img decoding=\"async\" alt=\"NCG loan consultation\" src=\"https:\/\/images.pexels.com\/photos\/7681091\/pexels-photo-7681091.jpeg?auto=compress&amp;cs=tinysrgb&amp;w=900\" \/><\/p>\n<h2>\u4e3a\u4e0b\u4e00\u9636\u6bb5\u7684\u6210\u957f\u7b79\u8d44\u3002<\/h2>\n<p>\u514d\u8d39\u3001\u65e0\u4e49\u52a1\u4f01\u4e1a\u54a8\u8be2\u3002\u8d44\u6df1\u987e\u95ee\u5c06\u5728\u6570\u5c0f\u65f6\u5185\u8054\u7cfb\u60a8\u3002<\/p>\n<p><a href=\"#\">\u514d\u8d39\u8d22\u52a1\u54a8\u8be2<\/a><br \/>\n<a href=\"#\">WhatsApp<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>Home \/ Services \/ Business Loan Business Loan Made Easy Working capital, equipment &amp; expansion funding, no collateral required. If you&#8217;ve traded 6+ months with SSM registered 1+ year, we help you get approved even after a bank said no. Who It&#8217;s For Business loan success, made easy. Built for SMEs and small business owners [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-18","page","type-page","status-publish","hentry"],"acf":[],"_hostinger_reach_plugin_has_subscription_block":false,"_hostinger_reach_plugin_is_elementor":false,"_links":{"self":[{"href":"https:\/\/ncgsolution.com.my\/zh\/wp-json\/wp\/v2\/pages\/18","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ncgsolution.com.my\/zh\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/ncgsolution.com.my\/zh\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/ncgsolution.com.my\/zh\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ncgsolution.com.my\/zh\/wp-json\/wp\/v2\/comments?post=18"}],"version-history":[{"count":2,"href":"https:\/\/ncgsolution.com.my\/zh\/wp-json\/wp\/v2\/pages\/18\/revisions"}],"predecessor-version":[{"id":112,"href":"https:\/\/ncgsolution.com.my\/zh\/wp-json\/wp\/v2\/pages\/18\/revisions\/112"}],"wp:attachment":[{"href":"https:\/\/ncgsolution.com.my\/zh\/wp-json\/wp\/v2\/media?parent=18"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}