UOB BizMoney Malaysia 2026: Review, Rates & Eligibility
UOB BizMoney offers RM100,000 to RM1,000,000 at 7.2% p.a. flat, no collateral required, for businesses with minimum RM1,000,000 annual turnover and 3 years operating history. It is a product for established mid-market SMEs that need larger unsecured working capital without pledging assets.
Quick Facts
Interest Rates
| Loan Amount | Rate | Tenure |
|---|---|---|
| RM100,000 – RM1,000,000 | From 7.2% p.a. flat | 18–60 months |
Rate is 0.60% per month on the original loan amount (flat rate structure). Actual rate depends on credit assessment.
Eligibility Requirements
You Qualify If...
- Malaysian registered business — sole proprietor, partnership, or Sdn Bhd
- At least 3 years in operation
- Minimum annual sales turnover of RM1,000,000
- Minimum 51% Malaysian ownership
- Directors and shareholders willing to provide personal guarantees
RM1M Turnover Minimum
UOB BizMoney requires at least RM1,000,000 in annual sales. If your turnover is below this, look at Alliance Bank Digital SME Loan (from RM50K turnover) or Funding Societies (from RM60K turnover) instead.
Documents Required
- UOB BizMoney application form
- Latest Borang B/BE income tax return (not older than 2 years)
- Business registration documents (varies by entity type)
- IC/Passport for all directors and guarantors
- 3 years of audited or management financial reports
- Latest 6 months bank statements from top 3 active accounts
Fees & Charges
| Fee | Amount |
|---|---|
| Processing fee | None |
| Stamp duty | 0.5% of loan amount |
| Director/shareholder guarantee | Required monthly |
UOB BizMoney vs Comparable Products
| Feature | UOB BizMoney | Alliance Bank Digital | RHB SME Online |
|---|---|---|---|
| Rate from | 7.2% flat | 5.9% flat | 8.45% p.a. |
| Min amount | RM100,000 | RM20,000 | RM50,000 |
| Max amount | RM1,000,000 | RM1,000,000 | RM1,000,000 |
| Min turnover | RM1,000,000 | RM50,000 | RM500,000 |
| Min business age | 3 years | 1 year | 1 year |
| Collateral | None | None | None |
| Approval time | 5 working days | ~1 week | 2 days |
Alliance Bank Digital has a lower rate (5.9% vs 7.2%) and lower turnover requirement. RHB SME Online approves faster. UOB BizMoney's strength is its reputation and suitability for RM1M+ turnover businesses that want a straightforward UOB product.
When UOB BizMoney Makes Sense
Best fit for UOB BizMoney
- Business has RM1M+ annual turnover and 3+ years history
- Need RM200,000–RM800,000 working capital
- Already banking with UOB and want a convenient add-on facility
- Prefer a major commercial bank product over digital-only lenders
- Directors comfortable providing personal guarantees
Frequently Asked Questions
Frequently Asked Questions
Turnover Below RM1M? Start Here Instead
If your business doesn't yet meet UOB BizMoney's RM1M turnover requirement, these personal loan options can fund operations while you scale.
Alliance Bank 30% Cashback Campaign — Apply through RinggitPlus by 30 Jun 2026 to earn up to RM46,956 cashback on interest paid.
30% Cashback on interest — valid until 30 Jun 2026
Alliance Bank
CashFirst Personal Loan
4.99% p.a.
RM200,000
RM3,000/mo
12–84 months
30% Cashback on profit paid — valid until 30 Jun 2026
Alliance Bank
CashVantage Personal Financing-i
4.99% p.a.
RM200,000
RM3,000/mo
12–84 months
Al Rajhi
Personal Financing-i
5.27% p.a.
RM250,000
RM3,000/mo
12–96 months
RHB
Personal Financing
7.62% p.a.
RM150,000
RM3,000/mo
12–84 months
* Rates indicative. Cashback subject to Alliance Bank's terms and conditions. Final rate subject to bank assessment. We may earn a referral fee — this does not affect our editorial recommendations.
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.
See If You Qualify for UOB BizMoney
We check your eligibility across UOB BizMoney, Alliance Bank Digital, RHB SME Online, and other options to find the best rate for your business.
Need Funds While Your Business Loan is Processing?
Personal loans approve in 3–7 days. Alliance Bank 30% cashback campaign ends 30 Jun 2026.
Alliance Bank 30% Cashback Campaign — Apply through RinggitPlus by 30 Jun 2026 to earn up to RM46,956 cashback on interest paid.
30% Cashback on interest — valid until 30 Jun 2026
Alliance Bank
CashFirst Personal Loan
4.99% p.a.
RM200,000
RM3,000/mo
12–84 months
30% Cashback on profit paid — valid until 30 Jun 2026
Alliance Bank
CashVantage Personal Financing-i
4.99% p.a.
RM200,000
RM3,000/mo
12–84 months
Al Rajhi
Personal Financing-i
5.27% p.a.
RM250,000
RM3,000/mo
12–96 months
RHB
Personal Financing
7.62% p.a.
RM150,000
RM3,000/mo
12–84 months
* Rates indicative. Cashback subject to Alliance Bank's terms and conditions. Final rate subject to bank assessment. We may earn a referral fee — this does not affect our editorial recommendations.