Best SME Biz Loan Malaysia

Refinancing Loan

Refinancing loan is available for borrowers who have properties. Borrowers can apply for a cash surplus based on the market value of the real estate and the bank’s existing loans. It can be short term or long term. However, the differential between current outstanding bank loan and the property market value must be quite big. Or else it may not worth to refinance to get the cash out. You can also qualify for this loan, even if you are CCRIS or CTOS blacklisted.

Why need this loan?

Refinancing is much easier to get, because it is a collateral loan. This loan is a much lower risk for the money lender, if the property is charged. The loan amount depends on the market value of the property. If you unable to pay back installment, they can execute the S&P to enforced the property sale, hence claiming back the outstanding money.


The basic requirement for this loan is that you must own a property or land. Secondly, that property or land cannot be on Malay Reserved Land. Preferably if it is freehold property, it is much better. Thirdly, you must also show your repayment ability, such as your 3 months’ payslip and bank statements for employees, or SSM registration and 6 months’ company bank statements for business owners.

Who are we?

We are licensed money lender with many years of experience in this loan industry. We can advise you on how to get excess cash out from your current property by leveraging on refinancing process.

We provide services in KL such as Kepong, KLCC, Sri Petaling, Seputeh, Kuchai Lama, Setapak, Cheras, and Bukit Jalil. Whilst in Selangor, we cover Ampang, Gombak, Petaling Jaya, Shah Alam, Klang, Damansara, Puchong, and Setia Alam. Within Malaysia, we have our associate companies in Johor, Malacca, Penang, Kedah, Kelantan, Terengganu, Pahang, Negeri Sembilan and Perak.


Do not hesitate to call us. We can provide free consultation for you to guide you which loans is suitable for your need. Besides, we can also help you apply to the bank, at certain fees. However, with our experience, it would certainly help smoothen the process and achieve a higher application success rate.

You can also read up our SME loan, business loan and working capital loan.

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