Hong Leong Bank SME Loan
Loan Amount
RM 50,000 - RM 3,000,000
Interest Rate
5.2% - 9.5% p.a.
Tenure
1-6 years
Hong Leong Bank SME Loan Malaysia 2026
Hong Leong Bank (HLB) is a premier financial institution known for innovation and customer service. Their SME financing solutions offer competitive rates starting from 5.2% p.a. with loans up to RM3 million for Malaysian businesses.
Hong Leong SME Loan Products
| Product | Loan Amount | Interest Rate | Tenure |
|---|---|---|---|
| HLB SME Term Loan | RM50,000 - RM3,000,000 | 5.2% - 9.5% p.a. | 1 - 6 years |
| SME Working Capital | RM50,000 - RM2,000,000 | 5.8% - 9.5% p.a. | 1 - 5 years |
| HLB SME Express | RM20,000 - RM250,000 | 6.5% - 10% p.a. | 1 - 5 years |
| SMElite Property Financing | RM100,000 - RM10,000,000 | 4.5% - 6.8% p.a. | 5 - 20 years |
Pro Tip
Hong Leong's SME Express is their fast-track product for smaller loans - approval within 3-5 days with simplified documentation.
Hong Leong SME Interest Rates 2026
HLB offers competitive tiered rates:
- Property-secured: 4.5% - 6.0% p.a.
- Standard term loans: 5.2% - 8.0% p.a.
- Express/unsecured: 6.5% - 10.0% p.a.
Digital Advantage
Hong Leong offers preferential rates for businesses using their digital banking platform. Ask about HLB Connect for Business discounts.
Eligibility Requirements
Who Can Apply for Hong Leong SME Loan
- Malaysian-owned business (51%+ local shareholding)
- Minimum 2 years in operation
- Minimum annual revenue of RM200,000
- Valid SSM registration
- Good CCRIS and CTOS record
- Profitable business operation
Documents Required
Hong Leong SME Loan Documents
- SSM documents (Form 9, 24, 44, 49)
- Latest 6-12 months bank statements
- Latest 2 years audited financial statements
- IC copies of directors and shareholders
- Company profile and business plan
- EPF/SOCSO contribution statements
- Business premises documentation
- Existing loan statements (if refinancing)
How to Apply for Hong Leong SME Loan
- Research products - Identify the right HLB SME product for your needs
- Prepare documentation - Gather all required documents
- Visit HLB branch - Meet with SME banking officer
- Submit application - Complete forms and provide documents
- Credit assessment - HLB evaluates your application (5-14 days)
- Offer letter - Review and negotiate terms
- Disbursement - Sign agreement and receive funds
Hong Leong Processing Time
| Application Type | Processing Time |
|---|---|
| SME Express | 3-5 working days |
| Standard Term Loan | 7-14 working days |
| Property-backed | 14-21 working days |
Hong Leong 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.
HLB Digital Banking for SME
Hong Leong is known for its digital banking innovation:
- HLB Connect for Business - Online banking platform
- Digital loan application - For smaller facilities
- Real-time account management - Cash flow tracking
Government Scheme Participation
Hong Leong participates in:
- GGSM2 - Government guarantee scheme
- CGC Programs - Credit guarantee backed facilities
- Special industry financing - Technology, halal, green sectors
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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