Keep Moving Forward
With Flexible Financing.

Applying for a bank loan can be a complicated, time-consuming process
with potential rejection and disappointment looming.

With Avex Credit, financing is made flexible and accessible.
Get the money you need, when you need it.

Apply Today

Keep Moving Forward With Flexible Financing.

Applying for a bank loan can be a complicated, time-consuming process
with potential rejection and disappointment looming.

With Avex Credit, financing is made flexible and accessible.
Get the money you need, when you need it.

Apply Today

Safer, Simpler, Fairer

Home

Government-
Approved

Borrowing is SAFER with Avex as we are licensed under the provisions of the Malaysian Government Money Lenders Act 1951.

Home
Streamlined Process, Quick Approval

We make everything SIMPLER with a streamlined and transparent process. Borrowers usually receive their funds within 24 hours after the application is approved.

SME Loan - Avex Credit
Personalised Financing Solution

We provide multiple loan types that can be personalised to serve your needs, giving you a much FAIRER deal.

The Avex Solutions

个人贷款

SME Loans

Planning to expand your operation or struggling with cash flow issues? We have just the right loan package that caters to your business requirement.

Learn More
商业贷款

Personal Loans

Be it a special occasion or an emergency, our personal loans come in handy in many ways.

Learn More
房地产贷款

Secured Loans

Whether it is purchasing a new house, refinancing or renovating your existing home, we offer a variety of secured loan options that are specific to your needs.

Learn More
债务重组咨询

Debt Consolidation Consultation

Start your journey to better credit by restructuring and paying off your debts.

Learn More

Have Any Questions?

Have Any Questions?

Get them answered with a 20 minutes
FREE
consultation call with one of our financial advisors.

Call Now

It Doesn’t Have to Be So Complicated

Getting a loan from us is as easy as a breeze.
Step 1

Online Application

Fill out the application form.
I
I

Step 2

Application Review

One of our friendly team members will review your application and contact you to discuss next steps.

Step 3

Receive Your Funds

Once all the documents are signed, we will transfer your funds on the same business day. It’s that simple.

Apply Today

Important Milestones

0+
Experience in the Industry
+0
Customers helped

RM100 mil

Worth of loans approved

0+
Experience in the Industry
+0
Customers helped

RM100 mil

Worth of loans approved

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Avex Credit – The Leading SME Loan Company in Malaysia

Do you experience a hard time applying for business financial solutions from banks? Applying for a bank loan can be a complicated, time-consuming process with potential rejection. Avex Credit is the name you can trust.

We are a professional and reliable credit and financial advisory company. Our team aims to provide highly professional, reliable, and comprehensive credit and debt restructuring services. We accelerate your business growth with a flexible and easy-to-apply SME Loan.

Talk to us today to find the best SME loan for business!

What documents do I need to apply for the business loan?

For Sole Proprietorships, Joint Ventures, Limited Liability Partnerships (LLP), and Limited Companies (Sdn Bhd), you need the documents below to apply for a business loan:

  • Copy of Directors, Owners, Partners, Shareholders, Guarantors Malaysian IC (both sides)
  • Business registration documents, e.g., Form A/ Form B/ Form D, Form 8 / Form 9 / Section 14 (Super Form)
  • Latest six months’ bank statements
  • The latest two years of audited financial statements or management accounts (where applicable)

For Self-employed, Small Businessmen, Food Operators, and Freelancers:

  • A copy of your IC (both sides)
  • Business registration documents
  • Last six months’ bank statements
  • Income tax statements

Your Perfect Choice for Money Lending

We are your best money lending Malaysia company. Avex Credit offers:

  • Application amount 𝐑𝐌𝟓𝟎,𝟎𝟎𝟎 – 𝐑𝐌𝟓,𝟎𝟎𝟎,𝟎𝟎𝟎
  • Repayment plan has 𝟏𝟐 month – 𝟗𝟔 month
  • Interest rates as low as 𝟏%
  • Up to 𝟏𝟎𝟎% collateralization of value

We offer highly flexible loan solutions for SMEs and micro enterprises. You can get an SME business loan with fewer hassles

Why is Avex Credit One of the Best Malaysia Business Loan Services?

Founded in 2015, Avex Credit is a non-bank financial loan company certified by the government. We provide highly flexible loan solutions for individuals, small and medium enterprises, and micro enterprises.

Avex Credit offers a variety of products such as SME Loan, Personal Loan, Debt Restructuring, and Secured Loan. Our Malaysia business loan products have:

  • Simple application steps
  • High loan amount
  • Short approval time

With Avex Credit, you can quickly solve cash flow problems with no hidden charges.

Finding a suitable Business Loan in Malaysia

Avex Credit is a trustable and reliable money lending business in Malaysia. Business loan in Malaysia for small business is critical as an SME alternative financing to have a smoother cash flow.

There are many types of small business loans in Malaysia. For example, the collateral loan Malaysia helps those who need urgent funding by using the property as collateral. Finding a suitable SME Corp Loan could help you to manage your business well.

What is the interest rate of SME Loan Malaysia?

Different banks have their range of business loan interest rates. On average, the interest rate range falls between 3% – 18% p.a. The rate varies on the total borrowed amount and the borrower’s profile.

If you are new to applying for SME loan Malaysia services, you can contact us right away!

Why is it Hard to Apply for an SME Malaysia Loan from Banks?

Insufficient Cash Flow

In addition to credit reports, banks also look at cash flow analysis of businesses when deciding whether to approve an SME Malaysia loan application. Small and medium-sized enterprises have insufficient financing capabilities and often face insufficient cash flow, which deters banks.

No Collateral

Small and medium-sized enterprises might lack collateral and guarantees. It is also why many banks “dare not lend” when facing the Malaysia business financing needs of SME enterprises. Due to the absence of collateral, banks have to bear high risks.

Poor or lack of credit score history

When approving, banks typically review your credit limit and past payment history on personal and business credit score reports. They determine your creditworthiness or likelihood of paying on time. Small business owners with insufficient business credit history often use their personal credit score reports instead when applying for a loan for small business.

Why Would I Need Business Loan Malaysia?

Rich people always want to use business loan Malaysia services to invest and create wealth. SME lending is a set of logical games where money makes money. We will briefly explain the benefits of the money lending business in Malaysia and improve your understanding of loans.

Loans can relieve financial pressure.

When you don’t have enough funds but want to operate a business, the best way is to get an SME business loan Malaysia. Spend comfortably first and then repay the loan every month, which is still a rational consumption.

Loans can share risks.

By sharing the risk with a third-party platform, you don’t have to bear too much pressure. For example, if you have RM500,000 and need RM400,000 to start a business, you only need to pay RM200,000 and borrow another RM200,000.

If it is all lost, you still have RM300,000 on hand, which can be used to repay the loan and make a comeback.

Loans can make money.

Under the premise of certainty, many smart people will choose loans for investment because many investment returns are far greater than bank interest. Thus, it is an SME alternative financing way to manage your funds.

Loans can guarantee the flow of funds.

If you build your business with all the money and don’t leave any liquidity, what will you do if you hit a wall and have no money? Loans can save you a way out and ensure liquidity, which is a better way of life.

How Does the Money Lending License Malaysia Work?

Money lending in Malaysia began informally before independence. In 1951, the primary purpose of establishing a licensing system for money lending Malaysia was to protect borrowers’ interests.

The Ministry of Housing and Local Government (MHLG) enacted the Money Lenders Act 1951 (Act 400) which was amended in 2003 and 2011. The companies are legal to lend money out with a money lender license.

Avex Credit (M) Sdn Bhd is a licensed money lender under the provisions of the Malaysian Government Money Lenders Act 1951. We are a private limited money lending license Malaysia company with 8 years of experience. Contact us today for professional financing solutions!

Choose the Best Business Financing Solution Today

Avex Credit is one of the best Malaysia business financing solutions for you if you wish to accelerate your business’ growth. SME financing is open to business owners. We provided you with a loan specialist to tailor the loans according to your business needs.

The application process for the SME business loan Malaysia solution is simple and quick. Reach out today for the best business installment loan!