Find the right financing for where your business is today

Common routes include savings, family and friends, grants, government-backed loans and guarantees, bank loans, equity crowdfunding, peer-to-peer financing, invoice financing, revenue-based financing, leasing, angel investors, venture capital, private equity and listing on Bursa. The right one depends on your stage, cash flow and collateral.

Equity crowdfunding (ECF) sells shares in your company to many investors, so you give up some ownership and there is no fixed repayment. P2P financing is debt: investors fund a loan that you repay with interest on a schedule, and you keep your ownership. Both run through platforms registered with the Securities Commission.

The Malaysia Co-Investment Fund (MyCIF) is administered by the Securities Commission. It co-invests alongside private investors in eligible equity crowdfunding and peer-to-peer financing, with a general matching ratio and special schemes for some sectors. Terms change, so check the SC website.

ECF and P2P operators are listed by the Securities Commission Malaysia. Online moneylenders are listed by the Ministry of Local Government Development (KPKT). Both lists are summarised on this site with links to the source. Always confirm on the official list and never pay fees upfront to release a loan.

Grants do not have to be repaid, but they are competitive and come with rules. Many are matching or reimbursement grants, meaning you spend first and claim later, so you still need cash flow. Always confirm eligibility and claim conditions on the agency’s own page.

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Not always. Bank loans often ask for collateral or guarantees. Guarantee schemes, invoice financing, revenue-based financing, grants and equity rely less on physical collateral, though directors may still be asked for personal guarantees on some debt.