SME loans are typically available to businesses registered as sole proprietorships, partnerships, private limited companies (Sdn Bhd), or limited liability partnerships (LLP) with a minimum operating history of 3 years and more, and stable financial records.

Bluebricks helps businesses of varying sizes, including start-ups and established enterprises, assess their eligibility and improve their chances of approval by providing expert guidance and tailored solutions.

The key documents required typically include:

• Business registration documents (e.g., SSM certificates).
• Latest 6 months’ bank statements to assess financial health.
• Financial reports (audited for Sdn Bhd).
• Tax filings (e.g., Borang B for sole proprietorships).
• Directors’ or shareholders’ identification copies.

Bluebricks ensures all your documentation is in order, saving you time and effort. Our team reviews your financials thoroughly, identifies any gaps, and works with you to prepare a complete and compelling loan application.

SME loans come in various forms to meet different business needs, such as:

• Term Loans: Fixed borrowing with a longer repayment tenure, suitable for expansion or asset purchases.
• Working Capital Loans: Short-term funding for operational expenses.
• Trade Financing: For import/export businesses to fund supply chain activities.
• Equipment Financing: Designed for purchasing or upgrading machinery and tools.
• Overdraft/Line of Credit: Flexible access to funds for immediate needs.
• Government-Backed Loans: Loans with lower interest rates, backed by guarantees like CGC or SJPP.

Bluebricks provides end-to-end advisory services to identify the most suitable loan type for your business’s needs, ensuring you maximise the benefits while keeping repayment manageable.

Yes, but options might be more limited for newer businesses. Many banks require at least 1–3 years of operating history to consider an application.

However, fret not!

Bluebricks specialises in securing financing for start-ups through alternative options such as government-backed loans, P2P lending platforms, and microfinancing, which cater specifically to younger businesses with less financial history.

Loan amounts typically range from RM50,000 to RM2 million, depending on your business’s revenue, profit margins, and financial standing. Bluebricks assesses your financials to recommend an appropriate borrowing amount that meets your needs while ensuring you avoid overleveraging your business.

Some common reasons for rejection include:

• Low month-end balances or insufficient cash flow.
• Incomplete or inaccurate documentation.
• High financial commitments or poor credit history.
• Operating in a high-risk industry.

At Bluebricks, we help businesses tackle these challenges by identifying and resolving potential issues before submitting loan applications.

Interest rates for SME loans in Malaysia typically range between 3.75% and 12.5%, depending on the type of loan, lender, and your business profile. Government-backed loans generally offer lower rates.

Bluebricks helps you compare multiple lenders and negotiate favourable terms.

The approval process usually takes between 1 to 3 weeks, depending on the lender and the completeness of your application. Bluebricks accelerates this process by ensuring all required documentation is ready before submission.

If your application is rejected, Bluebricks reviews the reasons for rejection and helps you address the issues, such as improving your financial records, restructuring your debts, or exploring alternative financing options like P2P lending.

Bluebricks offers end-to-end solutions, including document preparation, loan matching, and financial advisory. Our extensive network of banking partners and expertise ensures higher approval rates, competitive loan terms, and personalised solutions for your unique business needs.

 We’re your trusted partner for securing SME loans and achieving long-term growth.