Malaysia Government Loans & Grants

Webinar with Loan & Grant Expert : Ching Chee Pun

Ching Chee Pun is an expert in Funding & Sourcing. He is the senior partner of Oscar Wealth and Honoray Secretary of Branding Association Malaysia. He will share on the types of Government Loan and Grant available for Malaysia SME

For More information on Business Funding, Click here


Click the Picture Below to Get Access to View Ching's Webinar Replay & Presentation Notes

You definitely know the importance of the Government Loans and Grants on your business’s operation and hungry for it. But do you know which one is suitable for your business? Is it bringing you the greatest benefit?

You must ever thinking about this question, “What should I do?” when you plan to search for some funding. Obviously, that is always a ton of questions to ask when it comes to applying loans and grants.

I will share what I’ve learnt from one of my speaker in FounderMehtod, Ching Chee Pun about the types of Government Loans and Grants that are available for Malaysia SMEs to apply in common. Please note that I am not the expert in Grant but I am lucky to have Ching (the expert of Malaysia Grant and Loan Programmes) to share in my Webinar.

Government Loans

Malaysia Government came out many financing schemes that meant to help the SMEs to start or grow their business in these few years. The effort of the Government to encourage the rising of SMEs can be seen from the improved and beneficial financing schemes year by year. There are totally seven types of Government loans open for application currently.

1.Graduate Entrepreneur Fund

In Malaysia, there is hard to get funding from the commercial bank when you do not run your business for at least two years. But the Graduate Entrepreneur Fund is open for start-up business, that’s mean you can apply it even if you are new and just start your business. The objective of Graduate Entrepreneur Fund is to help the young entrepreneurs to start their business and also for those already own their business.

The participation bank is the SME bank. It opens for Malaysians who are below 40 years old and graduated for not more than 15 years and most importantly must at least hold a diploma qualification.

The maximum of the loan size is RM500, 000 but you can boost your finance up to RM750, 000 for acquisition of company (for Fixed Assets only) and get a low interest rate which is four percent. This kind of interest rate is a reducing method, simply saying is when you pay your principle and your interest will be paid less.

You enjoy a grace period up to 48 months, which means you no need to start repaying your loan immediately but started doing so after 48 months. No guarantor is required when your loan amount is up to RM100, 000, but you need a guarantor when financing for more than RM100, 000 although the guarantor only guarantees 20 percent.

There are two categories for applying; one is for new business and another one is for existing business. Applicants who start a new business need to attend a course conducted by INSKEN. The course is a Free of Charge Government course that teaches you about entrepreneurship. All the applicants must submit business proposal and doing presentation, once the applicants get the approval from INSKEN course leader, they will be proposed to SME bank for their loan. However, the applicants will not get the loan if they fail in this course. For those existing businesses, the process will be the same if your business is started less than two years while you can exempted from both attending courses and doing presentation to INSKEN and straight away submit your business proposal to SME bank if you are running your business more than two years.

2. Young Entrepreneurs Fund

It is handled by SME bank, used as venture capital funds and working capital of the Company. That’s mean it is for new start-up business or developing the existing business. It is quite similar to the Graduate Entrepreneur Fund, but the criteria of application are slightly lower. The applicants must have at least hold a certificate qualification and aged between 18 to 30 years old. If those without vocational certificate want to apply for this scheme, they should attend a training conducted by SME bank and get a certificate after complete the training to apply the scheme.

The financing limit of Young Entrepreneurs Fund is only up to RM100, 000 in maximum. The interest of this fund is 5 percent. Sometimes the application process is a bit lengthy, but somehow worth the wait because of the low interest.

3. Shariah-compliant SME Financing Scheme (SSFS)

It is targeting on the existing business which is running for at least two years while it does not suitable for the new start-up businesses. It is under Islamic Business Loan, which means that it is offering to those businesses that fit into the Islamic principles. For example, if your company is selling pork, you are not qualified to apply. The Non-Bumi are welcomed for the application. The participation banks include most of the registered Islamic Commercial Banks such as Bank Rakyat, Bank Islam, HSBC Armanah and etc while exclude the SME bank.

The loan amount offered is big. It range from RM 100, 000 to RM 5 Million and the term of loan is maximum 5 years. It is encouraged to apply because there is two percent discount offered by Government. However, your business has to fulfill some conditions, for example, accorded the MSC status by MDeC or certified under 1-InnoCERT to be automatically qualified for applying the scheme. But let’s say you do not have any one of the certificates and you want to apply, there is a way out. SME Corporation has a rating system named SCORE. Your company will be accessed by a representative from SME Corporation to see what level your company is. Your company must be rated at least 3 stars in order to get the loan.

4. Fund for Small and Medium Industries 2 (FSMI2)

It is always in town but lots of people do not know about it because of the lack of promotion by the banks. In fact, Banks do not make so much money from this scheme and it is so called “charity works”. Only Maybank and CIMB Bank currently offered it.

The criteria are your business’s annual sales turnover should be greater than RM500, 000 but less than RM25 Million oryourfull-time employees are less than 150 people. And your shareholders’ Fund should be less than RM2 Million; means that the total amount of your paid-up capital and accumulated profit do not more than RM2 Million.

It encourage those companies in operation for at least 3 years but less than 7 years to apply but if your company’s net profit margin for the last 3 years is less than 3 percent even though your company is existed for more than 7 years, the bank will still accept your application.

The loan amount range from RM100, 000 to RM 3 Million and the interest rate is 4 percent to 6 percent and including 3 to 5 percent CGC Guarantee Fee but it is getting higher for now.

5. Green Technology Financing Scheme (GTFS)

When you plan to do your own business but do not have any ideas on funding, always think of Green Technology in your mind because the trend of Go Green is getting more popular around the world. But your business should under one of the following sectors which are energy sector, water and waste management sector; green building sector and transport sector.

Your company must have a GTFS certificate and it will only be issued when your company fulfills the requirement listed by Green Technology Corporation. You will get the subsidies of 2 percent interest from the Government orCGC guarantee 60 percent. The loan size can be huge and it divides into two categories which are up to RM50 Million for producer such as manufacturing factory and up to RM10 Million for consumer such as retailing company.

6. Halal Industry Fund

It is based on collaborative effort of SME Bank with Halal Development Corporation (HDC) with an objective to support the entrepreneurs involved in Halal-related sectors. If you own a restaurant that is pork-free and alcohol-free, you should go for this scheme.

The eligibility stated that your business must not be a subsidiary of a GLC or MNC and should be minimum 60 percent of Malaysian equity. The most beneficial point of this scheme is the loan size can up to RM200 Million.

7. Intellectual Property Financing Fund

It is a new scheme that was came out from Budget 2012 but only launched in 2013. The unique point is that it mainly focuses on the effort of branding. A business with good brand image will have an IP rights, so that the scheme enable companies with IP rights to use it as an additional source of collateral to obtain funding. In the other hand, if your business has a good reputation or the name of your brand is quite well-known in Malaysian market, you are encouraged to apply. Yet since your brand name is only an additional source, you have to put some properties as well to get the loan.

The initiative of RM200 Million in financing will be offered by MDV. Therefore, when go for application, you should get the figure of how much your brand name worth from a unit called MyIPO and then give the figure to MDV. Once you are successfully applied, you are able to get financing up to RM10 million or 80% of valued IP in 5 years term include a grace period up to 12 months. And the Government will either give you 2 percent or around 4 to 5 percent annual interest.

Government Grants

There are many Government Grants before 2009, for now it is getting lesser and lesser in town and only available for few industries, for example, Information Technology, Biotechnology and Green Technology.

Basically Government Grants divide into two levels which are Pre-seed and Seed. Pre-seed refers to those who just have an idea in mind and do not know what to do about their idea. There are two programmes under the level of pre-seed.

1.Cradle Investment Programme (CIP)

It is managed by Cradle Fund Sdn Bhd and the purpose is to fund innovative people with technology oriented ideas and transforms their raw ideas into commercially valuable ventures.

The amount of funding is up to RM150, 000 per idea and also providing mentor to help in the whole project. But when the applicant fails to complete the project, he or she has to pay the repayment of grants and admin fees of 4 percent.

What you need for application is preparing your business proposal and submits it to Cradle Fund Sdn Bhd. You are required to go for an interview if you are shortlisted. According to the official website, the application process will takes about 3 months but normally it takes time more than that and around 5 to 6 months.

2. Multimedia Development Corporation (MDeC)

It is acting as the implementing agency of the Ministry of Science, Technology & Innovation. The programme offers up to RM150, 000 to techno-preneurs to execute their business plans. If you are planning to do a project that is information technology oriented, it will be a good choice of funding for you.

Its major difference with Cradle Investment Programme (CIP) is that it will be more on providing the facilities to applicant than funding them money. And also it wants the applicants applied a MSC status in order to get funding while the Cradle Investment Programme (CIP) did not.

There are three programmes under the level of seed.

1. Cradle Investment Programme (CIP)

In this level, it can be seen as a going through programme that brings you from pre-seed to seed. It aims for helping the applicant to grow or market their business and act as a funds commercialization for the applicants to start up their business. It offered RM350, 000 per deal.

2. Enterprise Innovation Fund (EIF)

It runs by the Ministry of Science, Technology and Innovation (MOSTI) to promote the development and innovation for commercialization. The amount of financing is range from RM20, 000 to RM250, 000 for 18 months as maximum tenure.

3. Commercialisation Grants-Seed Funds

It runs by Malaysian Biotechnology Corporation and is exclusively for Biotechnology related business. Its maximum financing is RM2.5 million to be disbursed within 2 years.

Matching Grant for Market Development

Till now, if you are upset on how come all the grants listed above are specifically for technology oriented businesses, a grant that is targeting on business and marketing is right here. It helps you on exporting business to overseas. You can get some assistance or fund for the participation in International Trade Fairs, exporting market research, promotional activities undertaken with Hypermarkets and Retail Stores Overseas and so on. As for the amount you may get is on a case-to-case basis.

For More information on Business Funding, Click here





  • Ginny Lee

    Reply Reply May 24, 2014

    I am interested to know more about “Matching Grant for Market Development” for purpose of marketing my products to middle east market.
    I can be reached at the above email address.
    thank you.

    • Evanna Phoon

      Reply Reply May 31, 2014

      i sent u email a few days ago. however, u can directly contact Ching to find out more as he is the expert ..

  • Evonne Tan

    Reply Reply June 26, 2014

    I plan to purchase a land which cost about 20 million to built a container eco-friendly resort in kl city. The built up cost about 5 million. Total project cost about 25 million. Any idea which loans or grant for SME.

    • Evanna Phoon

      Reply Reply July 3, 2014

      Hi Evonne, u can directly contact Ching to find out more as he is the expert ..

    • Royce Ravin

      Reply Reply February 9, 2016

      “I plan to purchase a land which cost about 20 million to built a container eco-friendly resort in kl city. The built up cost about 5 million. Total project cost about 25 million. Any idea which loans or grant for SME”.
      YOU CAN REACH ME AT 010-2526787 OR EMAIL ME.

  • Amir

    Reply Reply July 1, 2014

    we have developed a 40% progress of prototype mobile app.
    but the thing is, i dont have company. we start with small team.
    which grant do you recommend for me to get it start?


    • Evanna Phoon

      Reply Reply July 3, 2014

      hi Amir, i’ll pass your message to Ching … alternatively, Ching can be contacted at

  • Kenji Tay

    Reply Reply July 3, 2014

    Hi there,
    We just setup a coffee trading company and wish to buy machinery to start our production.I hear there is a small machinery grant up to rm 100,000.
    Please contact me at 012 404 6060

    • Evanna Phoon

      Reply Reply July 3, 2014

      hi Kenji, i’ll pass your message to Ching … alternatively, Ching can be contacted at

      • Kenji Tay

        Reply Reply July 3, 2014

        Noted with thanks.


    Reply Reply August 4, 2014

    i wish to start my business. i wish to get loan.
    any idea, mind to advise.


  • Ed Khoo

    Reply Reply August 6, 2014

    Dear Sir/Madam,

    I’m a freelance that provide a EMC testing consultancy and services and I have a small team of expertise in this fields. We have some customers based and would like to expand our testing services by purchasing some of the testing equipments to enhance our testing capability to be able to support our customers.

    With this, i would like to seek your asistance in which grant do you recommend for me to get it start?

    Best Regards,
    Ed Khoo

  • alvin chong

    Reply Reply September 4, 2014


    i am an accountant for my bumi boss,
    we have an annual turnover of 3 million and have a 3 years of audited accounts with an annual profit of approx RM 300k

    we have recently secured a contract with tesco to supply clothings, however we might not have the cash flow to purchase more machinery and supply garments to tesco.

    is there a bumi loan available??

    • Michael Lee

      Reply Reply December 30, 2014

      Hi Alvin Chong,

      I may be of some help. Please send me more info.


  • Em

    Reply Reply October 1, 2014


    Good day! I am looking for some advice on which will be the suitable government loan and grants.

    I was interested with Graduate Entrepreneurs Fund as everything fulfilled what we are looking for, however we failed one of the criteria which we do not have at least Diploma holder.

    Is there any others that you can recommend? or anyway that we can appeal at least for this?

    Thank You!


    • Evanna Phoon

      Reply Reply October 1, 2014

      hihi Em,

      you may contact Ching @
      he can help you look into it ya ?

      • Em

        Reply Reply October 1, 2014

        Thank You so much! Have a good day!

  • Rob

    Reply Reply October 18, 2014

    i have a offered a position to redecorate a 47 room office building and I need 20k to begin the project. Can anyone assist? Thank you.

    • Joseph

      Reply Reply December 25, 2014

      Hi Rob,

      I m also in the furnishing and deco business. If you are interested we can talk about how we can JV on certain projects.

      Send me an email if you are keen. Tq

    • Joseph

      Reply Reply December 25, 2014


      I m also in furnishing and decor business. We can think about JV if the project is feasible.

      Let me know if u r keen. Send me an email.

  • Suhan

    Reply Reply October 28, 2014

    I am operating a small IT company. Started about 4 years ago but recently we completed a Clinic Solution which is a cloud based. Where can i apply for grant. I have used all my money to start but i don’t have any fund to move forward. I required some grant/fund to move. Please help.

    • Max Low

      Reply Reply November 13, 2014

      Suhan sent me your details name, contact number and ur project details

  • Rex Yap

    Reply Reply November 10, 2014

    Hi, i already have an idea an mobile app interface and UX design. but i dont have any company and no any partner right now.

    • Wanrr

      Reply Reply January 14, 2015

      I have a company but do you have the start-up capital?

      • Rex yap

        Reply Reply January 21, 2015

        Hi, I only have concept and design , no company and no capital right now.

  • low mun choon

    Reply Reply November 18, 2014

    hi i planing to open a start up sushi company which loan should i go for

  • Iris Chew

    Reply Reply January 20, 2015

    I am going to create a new brand name for international patented 100% UV400 block tinited film for car and building. May I know can I apply for government grant under green technology ? And branding loan?

    • Evanna Phoon

      Reply Reply January 21, 2015

      hi Iris, i have already emailed you Ching’s contact … 🙂 all the best !

  • Elizabeth Gan

    Reply Reply January 22, 2015

    i am looking to starting up a business under F&B category which share the similar concept with Juice Works. I would like to start it with traditional brick and mortar style- opening up a small store.

    which funding should I be needing?

  • CP

    Reply Reply January 28, 2015

    I just notice the MAC3 fund from MSC Malaysia.

    I am planning to start a project prototype development for a Simulation training system.

    Is it the grant still available to apply for 2015?

    I need to know more about this grant, how to apply and whats the preparation.

    Please help. Thanks.

  • alan soo

    Reply Reply January 30, 2015

    Im working on a project to create affordable room for students. Need investor to support or jv or a grant to further develope the idea. Any idea who i should link up with?

  • TJ

    Reply Reply February 22, 2015

    My partner owns a medium size Beach Resort hotel, We hold the exclusive rights for Malaysia for a patented cancer treatment/cure, the IMAS-EAAL Cancer Treatment which has been vetted by top hospitals around the world and has successfully treated over 3,000 patients with high success, 85% or better. We would like to bring this life saving bio technology to Malaysia and convert the resort into a cancer treatment resort hospital for Malaysians as well as overseas patients. My partner is a well respected, established and successful Dato and we need approx. 40,000,000 to fund this project. The profit potential is through the roof. Any ideas????????????

    • Evanna Phoon

      Reply Reply February 23, 2015

      pls check your email … i’ve personally linked you up with Ching … 😀 all the best ya

  • Anderson

    Reply Reply February 22, 2015

    Hi.if i have an innovative ideas on a product which never in the world has thought on should I go about it? This product needs to be manufactured in a small scale or either big depends on demand. It is a simple and small products easily can be manufactured.

    Please email me


    • Evanna Phoon

      Reply Reply February 23, 2015

      pls check your email … i’ve personally linked you up with Ching … 😀 all the best ya

  • zainab

    Reply Reply March 2, 2015

    Hi there ; i am 47 years old i dnt do any business now i married soon with chef he doing food business in Kl how i know apply to grant or loan for restaurant busines?
    Thnx best regards

  • CC K

    Reply Reply March 7, 2015

    Hi, the Graduate Entrepreneur loan CEDAR training program is now charging RM 900 for the course.
    Anyway I am now setting up my office and a mini lab and production to produce green chemicals. Is there a grant for purchase of lab and production equipments?

  • CC

    Reply Reply March 7, 2015

    Hi, I am currently producing and selling a specialty green chemicals for automotive. Its being sold in a few countries now. I am looking to expand my production by buying new machineries. Is there a grant for this?

    also CEDAR is now charging RM 900 for the course before application of the Graduate Loan by SMEbank

  • Madan Mohan

    Reply Reply March 17, 2015

    I would like to start up a physio department and would like buy machine.
    How do I go about it?

    Thank you.


  • Wing Hoh

    Reply Reply March 17, 2015

    Hi there,
    I’m planning to start a traditional Chinese medicine clinic. I’m a degree holder, I have a group of licensed practitioner, but I need more information on getting grants and business set up. Could you advise?

  • Madan Mohan

    Reply Reply March 19, 2015

    I would like to start up a physio department and would like buy machine.
    How do I go about it?

    We have regular customers and a qualified phd dr.

    Thank you.


  • Alice

    Reply Reply April 10, 2015

    Hi we are operating car workshops, would like to know which type of loan qualified for this industrial?

  • Kenny Wong

    Reply Reply April 18, 2015

    Hi! We are a telecomminication services company, we need loan and grant for our new development product and we had get few contract from our client.
    Please call me at 0122382071.

    If possible, can we meet up today 5pm at Bangsar?

    Thank you.

    Kenny Wong
    Jaring Mantap Sdn Bhd

    • Evanna Phoon

      Reply Reply April 18, 2015

      hi Kenny, i had linked you up Ching 🙂
      all the best 🙂

  • Karin

    Reply Reply April 30, 2015

    I would like to start up a new steamboat restaurant and I need to apply loan. Where can I reffer to?


      Reply Reply August 22, 2015

      Hi Karin, I have some resources here for ur f&b business. .please reach me@012 6202840

  • Jess

    Reply Reply June 5, 2015

    Hi , we are operating a small software & hardware company started about 9 years ago. we are recently to expend to extent our business international.Where can i apply for grant. I have used all my money to start but i don’t have any fund to move forward. I required some grant/fund to move.

  • abdullah m. mandigan

    Reply Reply June 20, 2015

    Assalamo alaikom warakmatullahi wabarakatuho
    My name is Abdullah M. Mandigan,i have a set of Business Plan for halal production; initially, livestock, fresh meat and frozen meat then finally the halal agricultural harvest crops.The organization is partnership between production, trading and marketing to consumers.
    How could i make my Business Plan into reality? as a matter of fact; i have not yet organize the components of the proponents beneficiaries; since the cost of organizing will require initial cost to be incur more or less 100 thousand U.S Dollar.
    The total cost of the project proposal require 100 million U.S dollar in which be able to repay in three[3]years due to debt equity ratio shows less indicator in the overall financial management.

    Respectfully Yours


    • John

      Reply Reply July 24, 2015

      Hi there MR. ABDULLAH,

      I believe that there may be a possibility of working our a solid proposal for you with some venture capitalist around. Do email me on and we shall carry on from thereforth.


    • ila

      Reply Reply August 4, 2015

      Abdullah, if you can contact me at will be good. I am in the process of setting up a similar business, if we can collobarate, the cost will be more manageable

    • Ila

      Reply Reply August 4, 2015

      Mr. Abdullah,
      is tehre any way I can contact you? I’m setting up a similar business model, looking for contacts or partner so the cost will be more manageable

  • kiren

    Reply Reply June 30, 2015

    Dear sir I am a Physiotherapist….I lost my job.
    I owe 70k..I used to earn 8k…

    I am in a deep depression. ..

    Can anyone help me

  • Jay Yee

    Reply Reply July 1, 2015

    Good afternoon ,
    I have started a Korean FIR Sauna ( Far Infrared Sauna ) Therapy , or so call Hyperthermic Detoxification Therapy for 2 months at Cheras.
    Basically customers will come to my office cum experience shop for a session of 30-45 minutes FIR Sauna for a regular basis , yet beside providing services,
    I’m selling the Sauna Room as well . Currently I’m facing short of cash flow to move forward the business.
    Please advise me how to apply The Government Grants or suitable loan as soon as possible .
    Thankyou very much .

  • Hi, I have plenty of idea for start business. Problem is fund. I need RM 200,000.00 to start my business. Able to support?
    The business which I am going to venture is very new. Possibility to make money within 6 months. Please advise.


  • Elina

    Reply Reply July 21, 2015


    I’m looking into loan for me to start up a business.

    Can assist me on this.


  • GC Khoo

    Reply Reply July 21, 2015


    I’m in a manufacturing-related business. My business is currently expanding and require injection of working capital.

    I wonder if you can point me the correct direction to secure additional grants.

    Thank you very much.

    GC Khoo

  • Abdul Razak

    Reply Reply August 6, 2015

    I’m buying over a food restaurant and is there such grant or financing?

  • Louis

    Reply Reply August 11, 2015

    Hi I planning to do a new business ,so which loan better for me??

  • Arut

    Reply Reply August 20, 2015

    My friends and I want to start up a themed entertainment outlet. We are in the process of putting together our business plan. We anticipate our set-up costs to be around RM500,000-600,000. could you advise on what funding is available to us for this project?

    We are also open to investors joining us for the project.

    Thks n rgds

  • Clarence Chin

    Reply Reply August 27, 2015


    I would like to know where can i know more about government grant?
    Is there any website that contain all those information?

    Please advise.


    Clarence Chin

  • Valens

    Reply Reply September 19, 2015


    Can anyone assist in writing Business Proposal which allow us to raise some funding?

    If anyone can handle the above mentioned task, please call me or write to me.

    Thank you,


    • Evanna Phoon

      Reply Reply September 26, 2015

      Hi Valens,

      thank you for your enquiry
      You may email directly to for help ya ?

  • Haris Hasan

    Reply Reply October 5, 2015


    I am planning on starting up my own manufacturing company that utilizes the uses of plantation waste in reproducing some composite material. I am guessing that it will fall under green technology. Any available funds/grants that you can suggest.

    Thank you

  • Chu tin yong

    Reply Reply October 29, 2015

    I am planning on starting up my own business that in tourism sector… So can please recommend or suggest which is suitable… Thank you

  • Ramdas kuppan

    Reply Reply November 10, 2015

    I”m in the trading business, palm oil, cooking oil { cp8 } and coal from indonesia. problem is fund. I need RM300,000.00. Can anyone help me?

    Please do not to hesitate to cal me.


  • C Leo

    Reply Reply November 15, 2015


    Partner and I planning to promote a mobile app mainly focus in kid and home security. What is the best way to raise fund?

    • Raj T

      Reply Reply November 30, 2015


      I just registered a new medical device sales and marketing company. I have been in this line for 25 years and now venturing on my own. I have established products and clientele. Need funding to set up office, website and GDPMD licencing and also for initial running cost. I am looking for funding to get me off the ground. Need 100k to get all this done. Can anyone help?

  • chong

    Reply Reply December 12, 2015

    hi,i got a few ideas and proposal in developing apps and website,unfortunately i am lack of money or grants which can support me,can anyone let me know what to do next?my ideas are really good,just wish to get grants then i can start working on my me at +60174303288 or email

  • Programmeurdelft.Nl

    Reply Reply December 28, 2015

    Thanks tto my father who shard with me about this blog, this weblog is actually amazing.

  • Lee

    Reply Reply December 31, 2015


    my company is doing large format printing,we are 7years old company. we plan to buy HP Latex A370 printer in 2016. can we get government grant for this equipment?


  • Geric

    Reply Reply January 3, 2016

    I m a new entry F&B company with fast growing Trent since last year, in planning for this year our company need some funder or bank facility to support our project. Hope to get some advise here, tq

  • Venot

    Reply Reply January 5, 2016


    We have developed 3 web based applications, one is a Security Operations Application which was developed for the Singapore Security Association and is really extremely good and no competitors are there in Malaysia/Indonesia and there is a huge market.

    We also developed a complete ERP for retail outlets which can be used by any huge retail outlets like Giant/Tesco/7-11, etc

    We developed and education ERP that is plug and play for anyone starting a school/college/university

    We also developed smaller applications like a Document Management System and a Direct Marketing (EMail/SMS bulk sending ) application.

    All applications were developed over time by placing ourself and studying the manual processes completely.

    We are totally out of funds to market them and I am wondering is there any grant assistance available. All products are 100% ready and tested.

    Thank You and regards

    • Evanna Phoon

      Reply Reply January 31, 2016

      tqtq Venot, you can contact Ching directly at 012 220 7851

    • jezz

      Reply Reply March 15, 2016

      please email me. We can discuss further. Thanks

  • James

    Reply Reply January 22, 2016


    I am doing upholstery, mattresses and carpets cleaning, sanitizing and disinfecting. Business already operated for 2 years and wish to get a loan or fund for buying in more machine to expand the business.

    Any advice or idea?

    Many thanks,


  • Zaha

    Reply Reply January 29, 2016


    I am an architect by profession and I am interested in operating a chain of low cost eco-resorts which use latest Industrialized Building Technology enabling the hotel units to be erected in just days and highly transportable to most difficult places.

    I am looking for a serious funder and I would love to sit down with him or her for further clarification.

    Contact me at 016 2888834

  • ng

    Reply Reply February 12, 2016

    Hi. We started a small F&B business last year. Planning to expand the business to cater to our growing crowed. Which grant or loan would you recommend us to apply. Thank you in advance for the advise

  • Nazimuddin

    Reply Reply February 19, 2016

    I am a semiconductor development professional with experience of many years. Recently, I decided to move into the renewable energy arena and have just started a solar photovoltaic company with some partners. It will mainly
    be a services and distribution company.

    Currently funds are needed to establish the supply chain and many other things.
    How can I go about getting the funding, preferably grants? Which is the best source? What are adv./disadv. of grants vs. loans for this particular area?
    Appreciate your insight.

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    Reply Reply March 17, 2016

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  • Aaron

    Reply Reply March 17, 2016

    Ive been working for a piling company for the last 5 years and now have decided to come out for my own. Would like to get some financing for machine purchases. Any idea? Mine is a just start up company.

  • Harrisonlim

    Reply Reply April 19, 2016

    I been working in restaurants manager for the last 4 years and now decided to come out for my own. Would like to get some financing , Any idea? Mine is a just start up company.

  • Andy Goh

    Reply Reply April 19, 2016

    I am a manager with a Malaysian registered company by wholly own by Italian.
    My direct boss ( a Malaysian) would like to know any available Government Grants or Subsidy he can apply as he wants it to finance its
    R&D in Malaysian plant .
    We are median size by SMI Corp definition .
    Can you help suggest any such Govt. Funds / Subsidy available today.
    Andy Goh / QA Manager
    K-Flex Malaysia Sdn Bhd.

  • Pooven

    Reply Reply May 5, 2016

    Hi is had started a printing business its already about 8 months, i will like to developed my business to big scale by getting some more machinery for various printing purpose. Do advice me on what type of loan i can apple. Thanks

  • Prabz

    Reply Reply May 7, 2016

    Hey there. can i know more as i want to open up a business and need some Funding.

  • Navein

    Reply Reply May 31, 2016

    Hi. Im looking foward to start up a F&B business with 30% cash in hand and mortage (just incase for loan). I have completed my foundation but could not continue further to degree. Business plan are ready plus team has been formed. Need more advice on where can I find for loan. NEED HELP. Thanks in advance.

    Can reach me via email ( or phone (0127211546)

  • Rixe

    Reply Reply June 12, 2016


    We are a manufacturing company since 2012.and now we start to going for project in carpentry . Is that any government grant of funding advise ?

  • Selva

    Reply Reply July 15, 2016

    Dear, Sir

    Im currently running Family entertainment business such as Sports Laser TAG, Virtual D-Cinema & Animatronics Haunted House. Im looking my further business expansion in East coast location in malaysia & im looking for fund for rm 5mil( Project Cost). please advise me the way to get proper funder.

    Thanks & Regards

    • Evanna Phoon

      Reply Reply July 25, 2016

      i have posted your question to Ching during the live training session of FundingMyBiz …
      if you didn’t attend our session, you may contact Ching directly at

  • daryl

    Reply Reply July 28, 2016

    Hi, what type of grant would be relevant for service based business? (ie: creative design)

    • Zainal Abidin Ahmad

      Reply Reply September 19, 2016

      I am running a training consultancy firm with hugh clientele and looking for funds in the range of RM1-2million for business expansion

  • Dr Sridhar

    Reply Reply August 27, 2016

    I want to start a private dental clinic of my own . I need a 300k loan . Am I eligible ? If yes pls contact me . Thanks

    • Johnson

      Reply Reply October 11, 2016

      Hi dr Sridhar , I am dr Johnson . I am a dentist as well with 3 years experience in government sector . I am also interested to start up my own clinic . Where are you from ? May be we can knew each other and have discussion for assisting each other ? Please feel free to contact me . 012-5661218 ( what’s app preferred ) tq

  • Fancy

    Reply Reply October 11, 2016

    I am looking for funding to expand into halal food hub . Where do I get funding?

  • Nabilah

    Reply Reply February 13, 2017

    I am planning to start up frozen food enterprise back in my hometown I would like more information for proper training and funding the business. Appreciate on additional information on licensing and halal certificate too.

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