AmBank SME Loan
Loan Amount
RM 30,000 - RM 2,000,000
Interest Rate
5.5% - 10% p.a.
Tenure
1-5 years
AmBank SME Loan Malaysia 2026
AmBank is one of Malaysia's leading financial institutions with a strong focus on SME banking. Known for competitive rates and flexible financing solutions, AmBank offers SME loans up to RM3 million with interest rates starting from 5.0% p.a.
AmBank SME Loan Products
| Product | Loan Amount | Interest Rate | Tenure |
|---|---|---|---|
| SME Term Loan | RM50,000 - RM3,000,000 | 5.0% - 8.5% p.a. | 1 - 7 years |
| SME Flexi Loan | RM50,000 - RM2,000,000 | 5.5% - 9.0% p.a. | 1 - 5 years |
| Pay-As-You-Grow (PayG) | Varies | Based on POS volume | Flexible |
| SME Working Capital | RM30,000 - RM1,500,000 | 5.5% - 9.5% p.a. | 1 - 3 years |
| SME Property Financing | RM100,000 - RM5,000,000 | 4.5% - 6.5% p.a. | 5 - 20 years |
Pro Tip
AmBank's SME Flexi Loan allows you to withdraw and repay anytime, similar to an overdraft but with better rates. Ideal for businesses with fluctuating cash flow needs.
AmBank SME Loan Interest Rates 2026
AmBank offers competitive tiered rates based on business profile:
- Preferred customers (strong financials, secured loans): 5.0% - 6.0% p.a.
- Standard customers (good track record): 6.0% - 7.5% p.a.
- Higher risk profiles: 7.5% - 8.5% p.a.
Rate Comparison
AmBank typically quotes flat rates. A 6% flat rate equals approximately 11.4% effective interest rate (EIR). Always request the EIR for accurate comparison with other banks.
Eligibility Requirements
Who Can Apply for AmBank SME Loan
- Malaysian-owned business (51%+ Malaysian ownership)
- Minimum 2 years in operation
- Minimum annual revenue of RM200,000
- Valid SSM registration (Sole Prop, Partnership, or Sdn Bhd)
- Good CTOS/CCRIS record with no adverse history
- Business registered and operating in Malaysia
Documents Required
AmBank SME Loan Documents
- SSM registration documents (Form 9, 24, 49 or business certificate)
- Latest 6 months bank statements (all business accounts)
- Latest 2 years audited financial statements OR management accounts
- IC copies of all directors/partners/proprietors
- Company profile or business background
- Proof of business premises (tenancy agreement or title deed)
- Latest EPF contributions (3 months)
- Collateral documents (if secured loan)
How to Apply for AmBank SME Loan
- Check eligibility - Verify your business meets the basic requirements
- Gather documents - Prepare all required documentation
- Choose application method:
- Branch: Visit any AmBank branch with SME services
- Relationship Manager: Contact AmBank SME Banking directly
- Online inquiry: Submit inquiry through AmBank website
- Credit evaluation - AmBank assesses your application (7-14 working days)
- Loan offer - Review and accept the terms
- Disbursement - Funds released within 3-5 days after signing
AmBank SME Loan Processing Time
| Application Type | Processing Time |
|---|---|
| Working Capital (Small) | 5-10 working days |
| Standard Term Loan | 7-14 working days |
| Property-backed Loans | 14-21 working days |
| Government Schemes | 14-28 working days |
AmBank vs Other Banks
| Bank | Loan Amount | Interest Rate | Tenure |
|---|---|---|---|
Maybank Popular | RM 50,000 - RM 5,000,000 | 4.5% - 8% p.a. | 1-7 years |
CIMB Popular | RM 50,000 - RM 3,000,000 | 5% - 9% p.a. | 1-7 years |
RHB Popular | RM 30,000 - RM 2,000,000 | 5.5% - 10% p.a. | 1-5 years |
Public Bank Popular | RM 50,000 - RM 5,000,000 | 4.8% - 8.5% p.a. | 1-7 years |
* Rates are indicative and subject to bank approval. Contact us for actual rates.
Government Scheme Support
AmBank participates in major government SME financing schemes:
- GGSM2 - Government guarantee up to 80%, reducing collateral requirements
- Transition Financing Program (TFP) - Up to RM10 million at 5% p.a. for sustainable/low-carbon practices
- CGC Programs - Credit Guarantee Corporation backed facilities
- SJPP - Skim Jaminan Pembiayaan Perniagaan
Pro Tip
If you lack collateral, ask about GGSM2 financing through AmBank. The government guarantee can significantly improve your approval chances.
AmBank SME Banking Advantages
| Feature | Benefit |
|---|---|
| Flexi Loan Option | Withdraw and repay anytime |
| Multi-branch network | 170+ branches nationwide |
| Online banking | Manage loans via AmOnline |
| Relationship manager | Dedicated SME support |
Frequently Asked Questions
Frequently Asked Questions
Disclaimer: Interest rates, loan amounts, and eligibility requirements shown are indicative and subject to change. Contact the respective bank or institution directly for the latest rates and terms. Last reviewed: January 2026.
Need Help with Your AmBank SME Loan Application?
Our consultants can assess your eligibility, prepare your documents, and improve your approval chances - completely free.