This micro credit line facility is a facility specially designed to provide businesses with ready access cashflow to support business needs such as inventory purchases, payments and also as emergency capital. Apply for the facility now to drawdown anytime.

Up to RM 200,000. Subject to credit assessment based on your business performance.

0.05% per day (1.5% per month) on the drawdown amount (Utilised Amount).
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Up to 12 months

Repay in 12 months period with principle and interest amount inclusive

Illustration of repayment amount

The facility fee is 1% of the credit limit approved. We won't charge any fee if you decide to decline our offer.
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For each drawdown, a total 10% of fee will charge on the utilised amount and deduct upon successful disbursement.
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If this is your first time with us, here is a run-through on the application process.

Apply for Micro Credit Line and receive the approval within 2-3 working days.

Submit drawdown request via Silkroad and receive the fund within 2 working days. You can submit a min RM 5,000 per drawdown.

Plan for your payment schedule based on your cash flow cycle. Your credit line will be re-credited upon full settlement of the principal and interest.

Repeat Step 2 & 3.

The first due date for each drawdown will based on the disbursement date and the subsequent due date will follow the same date.
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The repayment will perform via Direct Debit on your bank account to deduct the principle and interest amount.
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We would need the documents below for onboarding purpose:

No documents are required to be submitted during your drawdown request.

If you are late in making your payments, the following fees/charges will be imposed: