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 100,000. Subject to credit assessment based on your business performance.

1.5% per month on the drawdown amount (Utilised Amount). You can submit a drawdown request anytime within the availability period.
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Up to 12 months provided that all monthly payments due are made on a timely basis. Subject to credit assessment based on your business performance.

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 successful drawdown, 1% of the approved Utilised Amount payable on a monthly basis.
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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 up to 2 drawdown requests per month with 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 return.

Repeat Step 2 & 3.

The first due date for each drawdown will be on the 25th of the following month and the following due date will be on the 25th of the consecutive month. If you wish to settle the principal prior to any due date, kindly pay the amount due and share receipt with us via email before the actual due date. You can find the payment details in the reminder email.
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Otherwise, we will assume that you wish to rollover the principal to the next monthly cycle, hence we will deduct the return due and Utilisation Fee via Direct Debit mandate on the relevant due date.
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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: