SME financing document checklist for Malaysia
Most lenders ask for a similar core pack: company registration documents, financial statements, bank statements, director identification and a clear purpose for the money. Prepare it once and reuse it across applications; each lender may ask for extras.
- 1
Company documents
SSM registration (Form 9/13 or equivalent), Form 24/49 and constitution where applicable, business licences and permits.
- 2
Financial statements
Latest audited or management accounts, plus year-to-date figures. Newer businesses can show projections with assumptions.
- 3
Bank statements
Typically the last 6 to 12 months for business accounts, and sometimes director personal accounts.
- 4
Tax and statutory records
Tax returns and assessments, EPF and SOCSO contributions where you have staff, and GST/SST records if applicable.
- 5
Directors and owners
NRIC or passport copies, address proof, and the ownership structure. Expect credit checks on directors.
- 6
Trading proof
Key customer contracts, purchase orders or invoices, an aged-receivables list and supplier terms. Essential for invoice financing.
- 7
Purpose and repayment plan
One page: how much, what for, how it improves revenue or cost, and how you will repay. Quotes for equipment help.
- 8
For equity raises
Pitch deck, cap table, shareholder agreement, growth plan and use of proceeds. ECF and VC investors will read these closely.
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