RHB SME Loan
Loan Amount
RM 30,000 - RM 2,000,000
Interest Rate
5.5% - 10% p.a.
Tenure
1-5 years
RHB SME Loan Malaysia 2026
RHB Bank is one of Malaysia's largest financial groups, offering comprehensive SME financing solutions. With interest rates starting from 5.5% p.a. and loans up to RM5 million, RHB provides accessible financing for growing Malaysian businesses.
RHB SME Loan Products
| Product | Loan Amount | Interest Rate | Tenure |
|---|---|---|---|
| BizPower SME Business Loan | RM30,000 - RM5,000,000 | 5.5% - 10.0% p.a. | 1 - 7 years |
| SME Working Capital | RM50,000 - RM2,000,000 | 6.0% - 10.0% p.a. | 1 - 3 years |
| BizPower SME Property Loan | RM100,000 - RM10,000,000 | 4.8% - 7.0% p.a. | 5 - 25 years |
| SME Online Financing | RM20,000 - RM500,000 | BLR+1% - BLR+3% p.a. | 6 months - 7 years |
Pro Tip
RHB's SME Easy Business Loan is designed for smaller financing needs with simplified documentation - ideal for first-time borrowers.
RHB SME Loan Interest Rate 2026
The RHB SME loan interest rate (also known as RHB business loan interest rate) in 2026 starts from 5.5% p.a. on a reducing balance basis for BizPower term loans. RHB prices SME facilities based on collateral, loan size, and risk profile.
| Product | RHB SME Interest Rate | Notes |
|---|---|---|
| BizPower SME Term Loan (secured) | 5.5% – 8.0% p.a. | Standard SME term financing |
| BizPower Property-Secured | 4.8% – 6.5% p.a. | Commercial/industrial property collateral |
| Clean/Unsecured | 7.0% – 10.0% p.a. | No collateral, strong financials needed |
| SME Working Capital | 6.0% – 10.0% p.a. | Short-term, 1–3 years |
| SME Online Financing | BLR + 1% to +3% | Digital fast-track for smaller amounts |
RHB Benchmark Rates (2026):
- RHB Base Rate (BR): 3.00%
- RHB Base Lending Rate (BLR): 6.15%
- OPR: 2.75%
Sample RHB BizPower Monthly Repayment (at 6.5% p.a. reducing)
| Loan Amount | 3 Years | 5 Years | 7 Years |
|---|---|---|---|
| RM100,000 | RM3,064 | RM1,957 | RM1,486 |
| RM250,000 | RM7,661 | RM4,891 | RM3,715 |
| RM500,000 | RM15,322 | RM9,783 | RM7,430 |
| RM1,000,000 | RM30,644 | RM19,566 | RM14,860 |
Use our SME loan calculator to calculate your exact RHB monthly repayment.
Effective Interest Rate
RHB quotes reducing balance rates for BizPower term loans, but some SME working capital products may quote flat rates. A 5% flat rate equals approximately 9.5% reducing balance (EIR). Always confirm which rate type RHB is quoting.
Eligibility Requirements
Who Can Apply for RHB SME Loan
- Malaysian-owned business (51%+ local ownership)
- Minimum 1-2 years in operation
- Minimum annual turnover of RM150,000
- Valid SSM registration
- Clean CCRIS record (no adverse credit)
- Viable business with positive cash flow
Documents Required
RHB SME Loan Documents
- SSM registration documents (Form 9, 24, 49)
- Latest 6 months business bank statements
- Latest 2 years audited accounts or management accounts
- IC copies of all directors/shareholders
- Business profile or company introduction
- EPF/SOCSO statements (latest 3 months)
- Tenancy agreement or property title
- Existing loan facilities letters (if any)
How to Apply for RHB SME Loan
- Check eligibility - Review RHB's requirements for your business type
- Prepare documents - Gather complete documentation
- Apply at branch - Visit any RHB branch or contact their SME team
- Meet relationship manager - Discuss your financing needs
- Credit evaluation - RHB assesses your application (7-14 days)
- Offer issuance - Review loan terms and conditions
- Acceptance & disbursement - Sign agreement and receive funds
RHB Processing Time
| Application Type | Processing Time |
|---|---|
| Easy Business Loan | 5-7 working days |
| Standard Term Loan | 7-14 working days |
| Property-backed | 14-21 working days |
RHB 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 |
SME Bank Malaysia Popular | RM 50,000 - RM 20,000,000 | 4% - 8% p.a. | 1-10 years |
* Rates are indicative and subject to bank approval. Contact us for actual rates.
RHB Government Scheme Financing
RHB participates in government-backed SME programs:
- GGSM2 - Government guarantee up to 80%
- CGC Schemes - Credit Guarantee Corporation backing
- Industry-specific programs - Manufacturing, technology sectors
Frequently Asked Questions
Frequently Asked Questions
Compare all SME loan rates: See how RHB's rates stack up against every bank, government scheme, and alternative lender in our SME Loan Interest Rate Guide.
How to apply: Follow our step-by-step SME loan application guide for RHB and other banks — includes document checklist, timeline, and common mistakes to avoid.
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 RHB SME Loan Application?
Our consultants can help you prepare documentation and improve your approval chances with RHB.