Business Loan
Our commercial loans are open to all corporate / commercial business that either need plenty of cash, or to finance existing business loan. If your business growth is experiencing financial problems due to lack of cash, unable to secure large quantities of goods which lead to lower profits, in need of immediate cash flow, or experiencing delay in bank loan transfer, we are ready to serve you in solving your financial problems. You can count on us.
Get to Know About
Finance Smarter. Finance Faster.
At ISS Capital, we make financing effortless with a seamless process, quick approvals, and personalized support.
Personalized Loan Solutions
We design loan packages based on your unique financial needs, ensuring a plan that suits your lifestyle and goals.
Flexible Payment Options
Enjoy competitive rates with flexible repayment terms that give you greater financial control and ease.
Fast & Hassle-Free Process
A straightforward application process with quick approvals means you get your funds without unnecessary delays.
Dedicated Support
Our expert loan specialists are here to guide you every step of the way, ensuring a smooth and stress-free experience.
Eligibility
1. Sole proprietorship, joint venture, limited liability partnership (LLP), and limited company (Sdn Bhd) that are classified by Bank Negara Malaysia as a Small and Medium Enterprise.
2. Application is also open to those who are self-employed, small businessmen, food operators and freelancers.
3. Business is established for at least 1 year or, the person in charge of the operation has at least 2 or 3 years or more of relevant business experience.
Required Documents
– Sole proprietorship, joint venture, limited liability partnership (LLP), and limited company (Sdn Bhd)
- CTOS Consent Form – Company (Signatures from all Directors with Company Seal are required)
- CTOS Consent Form – Personal (Signatures from all Directors and Shareholders are required)
- Statutory Documents
- SSM (Form 9) OR Section 17
- Form 24 OR Section 51 OR Section 78
- Form 49 OR Section 58 OR Section 14
- Form 44 OR Section 46
- Memorandum of Association (M&A) OR Constitution
- Latest Annual Return (Section 68)
- Latest six (6) months of ALL bank statements
- Latest two (2) years of Audited Accounts
- Latest Management Accounts
- Latest two (2) years of Form C that have been submitted to Income Tax and Receipt (Company)
- Latest two (2) years of Income Tax submissions and receipts of all Directors and Shareholders
- Copies of I/C of all Directors and Shareholders
- Name Cards of all Directors
- Water and electricity bills of ALL Directors and Shareholders’ homes
- Latest one (1) month of ALL bank statements of all Directors and Shareholders
- Bank Offer Letter (Company)
- Latest Outstanding Loan Statement from existing bank of the property
- Title (Geran), Quit Rent (Cukai Tanah) and Assessment (Cukai Pintu)
- Sales & Purchase Agreement (SPA)
- Valuation report of the pledge property
- Site Visit [Photo of the Premises (Interior and Exterior)]
– Self-employed, small businessmen, food operators and freelancers
- Copy of Malaysian ID card
- Business Registration Document
- Last 6 months Bank Statements
- Income tax statements
- Asset (Collateral) details:
-Leasehold or freehold
-Property type including but not limited to terrace house, agriculture land, shop lot, factory
-Name of the property owner
-The market value of the property
-Current Outstanding balance of the property
-Address of the property
-Property title/ Quit Rent (Cukai Tanah)
Interest Rates
Our interest rates are capped by the Money Lenders Act 1951. The actual rates vary depending on the loan amount and profile of the borrower.
