CIMB SME Loan
Loan Amount
RM 50,000 - RM 3,000,000
Interest Rate
5% - 9% p.a.
Tenure
1-7 years
CIMB SME Loan Malaysia 2026
CIMB Bank is one of Malaysia's largest banks and a major SME financing provider across ASEAN. Through their BizChannel platform, CIMB offers competitive SME loans starting from 5.0% p.a. with financing up to RM3 million for qualifying Malaysian businesses.
CIMB SME Loan Products
| Product | Loan Amount | Interest Rate | Tenure |
|---|---|---|---|
| BizChannel SME Term Loan | RM50,000 - RM3,000,000 | 5.0% - 9.0% p.a. | 1 - 7 years |
| SME Working Capital | RM50,000 - RM2,000,000 | 5.5% - 9.5% p.a. | 1 - 5 years |
| BizChannel Express | RM20,000 - RM300,000 | 6.0% - 10% p.a. | 1 - 5 years |
| SME Property Financing | RM100,000 - RM5,000,000 | 4.5% - 7.0% p.a. | 5 - 15 years |
Pro Tip
CIMB's BizChannel Express offers faster approval (3-5 days) for smaller loan amounts with simplified documentation requirements.
CIMB SME Loan Interest Rates 2026
CIMB's interest rates vary based on your business profile and loan type:
- Secured loans (with collateral): 5.0% - 7.0% p.a.
- Clean loans (no collateral): 6.5% - 9.0% p.a.
- Express/Micro loans: 7.0% - 10.0% p.a.
Processing Fees
CIMB charges a processing fee of 1-2% of the loan amount. Factor this into your total borrowing cost calculation.
Eligibility Requirements
Who Can Apply for CIMB SME Loan
- Malaysian-owned business (minimum 51% local ownership)
- Minimum 2 years business operation
- Minimum annual turnover of RM200,000
- Valid SSM registration
- Clean CCRIS and CTOS record
- Positive cash flow for past 12 months
Documents Required
CIMB SME Loan Documents
- SSM documents (Form 9, 24, 49 or business registration certificate)
- Latest 6 months bank statements
- Latest 2 years audited accounts or management accounts
- IC copies of directors and shareholders
- Company profile or business plan
- Latest EPF/SOCSO contribution statements
- Tenancy agreement or proof of business address
- Existing loan offer letters (if applicable)
How to Apply for CIMB SME Loan
- Assess your needs - Determine the loan amount and purpose
- Check your eligibility - Review CIMB's requirements
- Prepare documentation - Gather all required documents
- Apply online or at branch - Submit via BizChannel portal or visit CIMB branch
- Credit evaluation - CIMB reviews your application (5-14 days)
- Receive offer - Review loan terms and conditions
- Sign and disburse - Complete documentation and receive funds
CIMB SME Loan Processing Time
| Application Type | Processing Time |
|---|---|
| BizChannel Express | 3-5 working days |
| Standard Term Loan | 7-14 working days |
| Property-backed Loans | 14-21 working days |
CIMB 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.
CIMB Government Scheme Financing
CIMB participates in government SME support programs:
- GGSM2 - Up to 80% government guarantee
- SME Automation & Digitalisation Facility - Special rates for tech adoption
- CGC Portfolo Guarantee - Reduced collateral requirements
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.
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