Business Term Loan

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href="/business-banking/articles/how-to-incorporate-your-business" class="link link link-arrow-right" target="_self">How to register your <span class="text-nowrap">business<i class="far fa-chevron-right"></i></span></a></div> <div class="header__sub-menu-readmore"><a href="/business-banking/articles" class="link link link-arrow-right" target="_self">See all <span class="text-nowrap">articles<i class="far fa-chevron-right"></i></span></a></div> </div> </div> </div> </div> </div> </div> </div> </div> <div id="loans" class="header__row header__row-bb row "> <div class="col-lg-12 d-block d-lg-none"> <div class="header__sub-mobile-section">Loans</div> </div> <div class="col-lg-6 col-no-bb"> <div class="header__sub-left header__sub-left-bb"> <div class="row"> <div class="col-md-6 col-lg-6"> <div class="header__sub-menu-item header__sub-menu-item-bb"> <div class="header__sub-menu-item-text "> <div class="tag">Get business financing without collateral</div> <div class="name"><a href="/business-banking/smes/loans/business-term-loan" class="link link link-arrow-right" target="_self">Business Term <span class="text-nowrap">Loan<i class="far fa-chevron-right"></i></span></a></div> </div> </div> </div> <div class="col-md-6 col-lg-6"> <div class="header__sub-menu-item header__sub-menu-item-bb"> <div class="header__sub-menu-item-text "> <div class="tag">Upgrade or purchase new business equipment</div> <div class="name"><a href="/business-banking/smes/loans/industrial-hire-purchase" class="link link link-arrow-right" target="_self">Industrial Hire <span class="text-nowrap">Purchase<i class="far fa-chevron-right"></i></span></a></div> </div> </div> </div> </div> <div class="row"> <div class="col-md-6 col-lg-6"> <div class="header__sub-menu-item header__sub-menu-item-bb"> <div class="header__sub-menu-item-text "> <div class="tag">Own a Commercial Property</div> <div class="name"><a href="/business-banking/smes/loans/commercial-property-loan" class="link link link-arrow-right" target="_self">Commercial Property <span class="text-nowrap">Loan<i class="far fa-chevron-right"></i></span></a></div> </div> </div> </div> <div class="col-md-6 col-lg-6"> <div class="header__sub-menu-item header__sub-menu-item-bb"> <div class="header__sub-menu-item-text "> <div class="tag">Get financing of up to RM1 million</div> <div class="name"><a href="/business-banking/smes/loans/cgc-guarantee-scheme" class="link link link-arrow-right" target="_self">CGC Guarantee <span class="text-nowrap">Scheme<i class="far fa-chevron-right"></i></span></a></div> </div> </div> </div> </div> <div class="row"></div> <div class="row"> <div class="col-lg-12"> <div class="header__sub-menu-readmore d-flex align-items-center"><a href="/business-banking/smes/loans" class="button button--secondary button--link" target="_self"><span>See all loans</span></a></div> </div> </div> </div> </div> <div class="col-lg-6"> <div class="header__sub-right"> <div class="row"> <div class="col-lg-6"> <div class="header__sub-menu-articles"> <div class="row"> <div class="col-lg-4 line-wrapper"> <div class="line"></div> </div> <div class="col-lg-8"> <div class="tag">Articles and guides</div> <div class="header__sub-menu-link"><a href="/business-banking/articles/how-good-credit-rating-can-make-or-break-business" class="link link link-arrow-right" target="_self">Why a good credit rating can make or break your <span class="text-nowrap">business<i class="far fa-chevron-right"></i></span></a></div> <div class="header__sub-menu-link"><a href="/business-banking/articles/why-loan-is-preferred-path-to-grow-business" class="link link link-arrow-right" target="_self">Why a loan might be the preferred option to grow your <span class="text-nowrap">business<i class="far fa-chevron-right"></i></span></a></div> <div class="header__sub-menu-readmore"><a href="/business-banking/articles" class="link link link-arrow-right" target="_self">See all <span class="text-nowrap">articles<i class="far fa-chevron-right"></i></span></a></div> </div> </div> </div> </div> </div> </div> </div> </div> <div id="trades" class="header__row header__row-bb row "> <div class="col-lg-12 d-block d-lg-none"> <div class="header__sub-mobile-section">Trade</div> </div> <div class="col-lg-6 col-no-bb"> <div class="header__sub-left header__sub-left-bb"> <div class="row"> <div class="col-md-6 col-lg-6"> <div class="header__sub-menu-item header__sub-menu-item-bb"> <div class="header__sub-menu-item-text "> <div class="tag">Manage my purchases</div> <div class="name"><a href="/business-banking/smes/trade#manage-my-purchases" class="link link link-arrow-right" target="_self">Import <span class="text-nowrap">finance<i class="far fa-chevron-right"></i></span></a></div> </div> </div> </div> <div class="col-md-6 col-lg-6"> <div class="header__sub-menu-item header__sub-menu-item-bb"> <div class="header__sub-menu-item-text "> <div class="tag">Finance my working capital</div> <div class="name"><a href="/business-banking/smes/trade.page#finance-my-working-capital" class="link link link-arrow-right" target="_self">Open account <span class="text-nowrap">financing<i class="far fa-chevron-right"></i></span></a></div> </div> </div> </div> </div> <div class="row"> <div class="col-md-6 col-lg-6"> <div class="header__sub-menu-item header__sub-menu-item-bb"> <div class="header__sub-menu-item-text "> <div class="tag">Grow my sales</div> <div class="name"><a href="/business-banking/smes/trade#grow-my-sales" class="link link link-arrow-right" target="_self">Export <span class="text-nowrap">finance<i class="far fa-chevron-right"></i></span></a></div> </div> </div> </div> <div class="col-md-6 col-lg-6"> <div class="header__sub-menu-item header__sub-menu-item-bb"> <div class="header__sub-menu-item-text "> <div class="tag">Secure my obligations</div> <div class="name"><a href="/business-banking/smes/trade#secure-my-obligations" class="link link link-arrow-right" target="_self"> <span class="text-nowrap">Guarantees<i class="far fa-chevron-right"></i></span></a></div> </div> </div> </div> </div> <div class="row"></div> <div class="row"> <div class="col-lg-12"> <div class="header__sub-menu-readmore d-flex align-items-center"><a href="/business-banking/smes/trade" class="button button--secondary button--link" target="_self"><span>See all trade finance products</span></a></div> </div> </div> </div> </div> <div class="col-lg-6"> <div class="header__sub-right"> <div class="row"></div> </div> </div> </div> <div id="transactions" class="header__row header__row-bb row "> <div class="col-lg-12 d-block d-lg-none"> <div class="header__sub-mobile-section">Transactions</div> </div> <div class="col-lg-6 col-no-bb"> <div class="header__sub-left header__sub-left-bb"> <div class="row"> <div class="col-md-6 col-lg-6"> <div class="header__sub-menu-item header__sub-menu-item-bb"> <div class="header__sub-menu-item-text "> <div class="tag">Making payments</div> <div class="name"><a href="/business-banking/smes/transactions/making-payments" class="link link link-arrow-right" target="_self">Transfers in Malaysia <span class="text-nowrap">Ringgit<i class="far fa-chevron-right"></i></span></a></div> </div> </div> </div> <div class="col-md-6 col-lg-6"> <div class="header__sub-menu-item header__sub-menu-item-bb"> <div class="header__sub-menu-item-text "> <div class="tag">Receiving payments</div> <div class="name"><a href="/business-banking/smes/transactions/receiving-payments" class="link link link-arrow-right" target="_self">Receiving payments in Malaysia <span class="text-nowrap">Ringgit<i class="far fa-chevron-right"></i></span></a></div> </div> </div> </div> </div> <div class="row"> <div class="col-md-6 col-lg-6"> <div class="header__sub-menu-item header__sub-menu-item-bb"> <div class="header__sub-menu-item-text "> <div class="tag">Making payments</div> <div class="name"><a href="/business-banking/smes/transactions/making-payments.page#foreign-currencies" class="link link link-arrow-right" target="_self">Transfers in foreign currencies or <span class="text-nowrap">overseas<i class="far fa-chevron-right"></i></span></a></div> </div> </div> </div> </div> <div class="row"></div> <div class="row"> <div class="col-lg-12"> <div class="header__sub-menu-readmore d-flex align-items-center"><a href="/business-banking/smes/transactions/overview" class="button button--secondary button--link" target="_self"><span>See all transfer methods</span></a></div> </div> </div> </div> </div> <div class="col-lg-6"> <div class="header__sub-right"> <div class="row"></div> </div> </div> </div> <div id="running-a-business" class="header__row header__row-bb row "> <div class="col-lg-12 d-block d-lg-none"> <div class="header__sub-mobile-section">Running a Business</div> </div> <div class="col-lg-6 col-no-bb"> <div class="header__sub-left header__sub-left-bb"> <div class="row"> <div class="col-md-6 col-lg-6"> <div class="header__sub-menu-item header__sub-menu-item-bb"> <div class="header__sub-menu-item-text "> <div class="tag">Starting your business</div> <div class="name"><a href="/business-banking/smes/running-a-business#starting-first-business" class="link link link-arrow-right" target="_self">Start your business with the right banking <span class="text-nowrap">tools<i class="far fa-chevron-right"></i></span></a></div> </div> </div> </div> <div class="col-md-6 col-lg-6"> <div class="header__sub-menu-item header__sub-menu-item-bb"> <div class="header__sub-menu-item-text "> <div class="tag">Growing your business</div> <div class="name"><a href="/business-banking/smes/running-a-business#growing-your-business" class="link link link-arrow-right" target="_self">Take your business <span class="text-nowrap">further<i class="far fa-chevron-right"></i></span></a></div> </div> </div> </div> </div> <div class="row"> <div class="col-md-6 col-lg-6"> <div class="header__sub-menu-item header__sub-menu-item-bb"> <div class="header__sub-menu-item-text "> <div class="tag">Managing your business</div> <div class="name"><a href="/business-banking/smes/running-a-business#managing-your-business" class="link link link-arrow-right" target="_self">Optimise your everyday business <span class="text-nowrap">operations<i class="far fa-chevron-right"></i></span></a></div> </div> </div> </div> </div> <div class="row"></div> <div class="row"> <div class="col-lg-12"> <div class="header__sub-menu-readmore d-flex align-items-center"><a href="/business-banking/smes/running-a-business.page" class="button button--secondary button--link" target="_self"><span>See all</span></a></div> </div> </div> </div> </div> <div class="col-lg-6"> <div class="header__sub-right"> <div class="row"> <div class="col-lg-6"> <div class="header__sub-menu-articles"> <div class="row"> <div class="col-lg-4 line-wrapper"> <div class="line"></div> </div> <div class="col-lg-8"> <div class="tag">Articles and guides</div> <div 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				 " target="_blank"><span>Apply online</span></a></div> </div> </div> </div> </div> </div> <div class="iw_component" id="iw_comp1713759092875"> <div class="filter-component"></div><div class="" id=""> <div><div class="module container bp-width-med3 animate"> <div class="d-flex mb4"> <div class="mr-2 mr-md-3 no-wrap">Read in</div> <div class="dropdown__theme dropdown__theme--bold input-select "> <a class="d-none" href="#" target="_self"></a> <select class="select2 form-control com_language-dd" name="" id=""> <option value="https://www.ocbc.com.my/business-banking/smes/loans/business-term-loan" selected>English</option> <option value="https://www.ocbc.com.my/business-banking/bm/smes/loans/business-term-loan">Bahasa Melayu</option> </select> </div> </div></div> </div>  </div> <div class="iw_component" id="iw_comp1705247677520"> <div class="intro-btl-component"></div> <div class="module container bp-width-med3 animate"> <div class="row"> <div class="col-custom-8"> <div class="theme theme--blue"> <h2 class="bold text-gradient common__intro-paragraph pt-1 pb-1 ">Fulfil your cash flow needs or business expansion plans with our hassle-free financing.</h2> </div> </div> </div> </div> </div> <div class="iw_component" id="iw_comp1705247677521"> <div class="list-btl-component"></div> <div class="module container bp-width-med3"> <div class="subcategory subcategory--black">FEATURES AND BENEFITS</div> <div class="list__col"> <div class="row"> <div class="col-custom-10"> <div class="row animate com__row-group-height" anim-control="parent"> <div class="col-md-4 com__row-group-col"> <div class="list__col-single list__col-count-normal"> <div class="list__col-wrapper rgh1"> <div class="list__col-image2 bp-img text-center"><img width="80" src="/iwov-resources/my/ocbc/business/img/smes/loans/business-term-loan/icon-collateral.png" alt=""></div> <div class="list__col-content"><span> <h4 class="mb1"><strong>No collateral required</strong></h4></span><div class="list__col-text"></div> </div> </div> <div class="list__col-text list__col-text-mobile"></div> </div> </div> <div class="col-md-4 com__row-group-col"> <div class="list__col-single list__col-count-normal"> <div class="list__col-wrapper rgh1"> <div class="list__col-image2 bp-img text-center"><img width="80" src="/iwov-resources/my/ocbc/business/img/smes/loans/business-term-loan/icon-financing.png" alt=""></div> <div class="list__col-content"><span> <h4 class="mb1"><strong>Get financing of up to RM600,000, with a financing tenure of up to 5 years</strong></h4></span><div class="list__col-text"></div> </div> </div> <div class="list__col-text list__col-text-mobile"></div> </div> </div> <div class="col-md-4 com__row-group-col"> <div class="list__col-single list__col-count-normal"> <div class="list__col-wrapper rgh1"> <div class="list__col-image2 bp-img text-center"><img width="80" src="/iwov-resources/my/ocbc/business/img/smes/loans/business-term-loan/icon-financingtenture.png" alt=""></div> <div class="list__col-content"><span> <h4 class="mb1"><strong>Competitive interest rates of between <a href="#popup-table-tenure" data-fancybox>5.50% p.a. (EIR 10.38%)¹ and 10.00% p.a. (EIR 17.96%)¹*</a></strong></h4></span><div class="list__col-text"></div> </div> </div> <div class="list__col-text list__col-text-mobile"></div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="iw_component" id="iw_comp1705247677903"> <div class="list-btl-component"></div><div class="module container bp-width-med3"> <div class="com_digital-payments-generic-text-wrapper"> <div class="com_digital-payments-generic-text d-p-g-type-1"> <div class="d-p-g-text"> <p><p class="caption">¹The effective interest rates (EIR) here are based on a loan of RM100,000 with a 5-year tenure.<br />*Terms and conditions apply</p></p> </div> </div> </div> </div> </div> <div class="iw_component" id="iw_comp1705247677904"> <div class="accordion-btl-component"></div> <div anim-control="parent" class="module container bp-width-med3 animate pdf-icon-ml0 hidden-col-3n-row custom-table-three-col-width"> <div class="subcategory subcategory--black">BEFORE YOU APPLY</div> <div class="table__three-col table__three-col-with-accordion"> <div class="row"> <div class="col-md-3 table__three-col--title"> <h4 class="bold mobile"><span class="nowrap">Eligibility requirements</span></h4> </div> <div class="col-md-9 table__three-col--content"> <div class="row mb-0"> <div class="col-lg-4 col-md-5"> <p class="mb-0">Business registration</p> </div> <div class="col-lg-5 col-md-7"> <p class="mb-0"><p class="nowrap">Business must be in operation for at least 3 years</p> <p class="nowrap">Business must be 100% Malaysian-owned</p></p> </div> </div> </div> </div> </div> </div> </div> <div class="iw_component" id="iw_comp1705247692668"> <div class="accordion-btl-component"></div><div class="" id=""> <div><div class="module container bp-width-med3 animate"> <hr> </div></div> </div>  </div> <div class="iw_component" id="iw_comp1705247692606"> <div class="accordion-btl-component"></div> <div anim-control="parent" class="module container bp-width-med3 animate fw-600"> <div class="row"> <div class="col-custom-8 col-custom-enforced subtitle subtitle-heading "></div> </div> <div class="table__two-col"> <div class="row"> <div class="col-custom-3 table__two-col--title"> <h4 class="bold mobile">Terms and conditions</h4> </div> <div class="col-custom-7 table__two-col--content"><p>All required forms and supporting documents must be duly completed and submitted.</p> <p>All loans are subject to satisfactory assessment by the Bank.</p></div> </div> </div> </div> </div> <div class="iw_component" id="iw_comp1705247677545"> <div class="cta-btl-component"></div> <div anim-control="parent" class="module container bp-width-med3 animate"> <div class="cta__basic"> <div style="" class="theme theme--blue"> <div class="theme__container theme__background"> <div class="cta__basic-details"> <div class="subcategory subcategory--white subcategory--no-margin">READY TO APPLY?</div> <div class="cta__basic-info"> <h3 class="bold co-white">Get your Business Term Loan today from us.</h3> <div class="cta__basic-links"> <div class="item item-apply"><a href="https://www.ocbc.com.my/digital-services/web/my2/ola/loan-application?prod_type=BH" class="button button--primary button--white 
				 " target="_blank"><span>Apply online</span></a></div> <div class="item"></div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="iw_component" id="iw_comp1705247677951"> <div class="faq-btl-component"></div> <div anim-control="parent" class="module container bp-width-med3 animate" id="section-faq-btl"> <div class="subcategory subcategory--black">FAQS</div> <div class="row "></div> <div class="accordion__grey"> <div class="row"> <div class="common-questions m-item col-md-12"> <div class="item-list-title clearfix"> <h5 class="float-left"><strong><span>Common questions</span></strong></h5> </div> <div class="item-list accordion" init-mode="first" close-others="false"> <div class="item accordion__item"> <div class="label accordion__item__title">How long will it take for the loan to be disbursed?<i class="far fa-angle-down accordion__item__collapse-icon"></i></div> <div class="content-wrapper accordion__item__content"> <div class="content"><p>The loan will be disbursed within a week after your acceptance of our Letter of Offer subject to your compliance with the terms and conditions in the Letter of Offer.</p></div> </div> </div> <div class="item accordion__item"> <div class="label accordion__item__title">What documents are required to support your application?<i class="far fa-angle-down accordion__item__collapse-icon"></i></div> <div class="content-wrapper accordion__item__content"> <div class="content"><ol class="list-decimal list-nospace ml-2 mb-4"> <li class="mb-1">Company constituent and statutory documents</li> <li class="mb-1">Photocopy of NRIC of directors / guarantors / sole proprietor / partners</li> <li class="mb-1">Latest 6 months bank statements of the applicant(s) business account</li> <li class="mb-1">Financials or Management Account</li> </ol> <p>The Bank may ask for additional documents, if necessary.</p></div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="iw_component" id="iw_comp1705247677564"> <div class="product-btl-component"></div> <div anim-control="parent" class="module animate"> <div class="container bp-width-med3"> <div class="subcategory subcategory--black">OTHER PRODUCTS YOU MAY LIKE</div> </div> <div class="common__recommended-products con-pull-left con-pull-right"> <div class="owl-carousel car1"> <div class="item"> <div class="common__recommended-products-pr-set bg-sea"> <div class="bp-banner bp-banner-tall" style="background-image: url('/iwov-resources/sg/ocbc/business/img/go-digital/velocity/manage-trade-finance/managetrade-masthead-mobile.png');"></div> <div class="common__recommended-products-pr-main va-middle fz-18 text-center"> <div class="auto"> <div class="mb2"> <h4 class="bold">Digital Business Banking</h4> <div class="common__recommended-products-pr-more in-co-par d-none-soft"> <p>Managing accounts and payments smoothly with OCBC Velocity by your side</p> </div> </div><a class="button button--secondary button--white text--bold" href="/business-banking/go-digital/velocity" target="_self"><span>Find out more</span></a></div> </div> </div> </div> <div class="item"> <div class="common__recommended-products-pr-set bg-sea"> <div class="bp-banner bp-banner-tall" style="background-image: url('/iwov-resources/sg/ocbc/business/img/accounts-and-services/ebiz/ebizz.png');"></div> <div class="common__recommended-products-pr-main va-middle fz-18 text-center"> <div class="auto"> <div class="mb2"> <h4 class="bold">OCBC eBiz Account</h4> <div class="common__recommended-products-pr-more in-co-par d-none-soft"> <p>Build your dream business starting with the <span class="text-nowrap">all-in-one</span> business current account for business of all sizes</p> </div> </div><a class="button button--secondary button--white text--bold" href="/business-banking/smes/accounts/ebiz" target="_self"><span>Find out more</span></a></div> </div> </div> </div> <div class="item"> <div class="common__recommended-products-pr-set bg-sea"> <div class="bp-banner bp-banner-tall" style="background-image: url('/iwov-resources/sg/ocbc/business/img/go-digital/velocity/fx-online/fxmobilemasthead.png');"></div> <div class="common__recommended-products-pr-main va-middle fz-18 text-center"> <div class="auto"> <div class="mb2"> <h4 class="bold">FX Online</h4> <div class="common__recommended-products-pr-more in-co-par d-none-soft"> <p>The Smarter Way to perform Overseas Transactions. You may view live FX rates and book contracts instantly via OCBC Velocity</p> </div> </div><a class="button button--secondary button--white text--bold" href="https://www.ocbc.com.my/business-banking/go-digital/velocity/fx-online.page" target="_self"><span>Find out more</span></a></div> </div> </div> </div> </div> </div> </div> </div> <div class="iw_component" id="iw_comp1705247677565"> <div class="d-none-soft"> <div id="popup-table-tenure"><div class="popup-content po-co-large"> <p class="bp-title bp-img align-middle mb3"><span>Illustration based on assumption of a financing amount of RM100,000 for 5-year tenure.</span></p> <div> <table class="fancypopup-table table table_general"> <tbody> <tr class="tr-theme text-center"> <td style="width: 15%; border-right: 1px solid #dee2e6; color: #888888;"><b>Financing Amount</b></td> <td style="width: 15%; border-right: 1px solid #dee2e6;">RM100,000</td> <td style="width: 15%;">RM100,000</td> </tr> <tr class="tr-theme text-center"> <td style="width: 15%; border-right: 1px solid #dee2e6; color: #888888;"><b>Flat Rate</b></td> <td style="width: 15%; border-right: 1px solid #dee2e6;">5.50% p.a.</td> <td style="width: 15%;">10.00% p.a.</td> </tr> <tr class="tr-theme text-center"> <td style="width: 15%; border-right: 1px solid #dee2e6; color: #888888;"><b>Tenure (years)</b></td> <td style="width: 15%; border-right: 1px solid #dee2e6;">5</td> <td style="width: 15%;">5</td> </tr> <tr class="tr-theme text-center"> <td style="width: 15%; border-right: 1px solid #dee2e6; color: #888888;"><b>Effective Interest Rate</b></td> <td style="width: 15%; border-right: 1px solid #dee2e6;">10.38%</td> <td style="width: 15%;">17.96%</td> </tr> </tbody> </table> </div> </div></div> </div> </div> </div> </section> </div> </div> </div> <div class="container-fluid iw_section" id="sectionjztq8woi"> <div class="row iw_row iw_stretch" id="rowjztq8woj"> <div class="iw_columns col-lg-12" id="coljztq8wok"> <div class="iw_component" 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