Meet Southern SME
At Southern SME, we provide quick and secure business loans to Malaysian startups, retail shops, factories, and small businesses. We specialize in serving the Southern region (Johor, Melaka, Negeri Sembilan, KL, and Selangor), with deep understanding of local business needs and financial challenges.
Southern SME is a legal and licensed money lender approved by the Malaysian government. You can check our license at our office.
Powering Southern Business Success
How to Get Your Loan
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Financial Services for Southern Companies
Services That Help Your Business Grow
Business Loan
Grow Now, Pay Later
Need stock, equipment, or extra cash flow? Get approved quickly!
✔ Low rates from 5%
✔ Approval in 1 day
✔ Repay over 6 mos-10 yrs
✔ No property needed
*Terms apply
Mortgage Loan
Cash from Your Property
Use your home or shop value to get big loans at a better interest rate.
✔ Borrow up to 80% of property value
✔ Rates from 3.5%
✔ Repay over 5-30 years
✔ Papers done in 3 days
*Terms apply
Our Customer Stories
CCRIS not perfect but Southern SME helped us buy our dream home! Fast & easy process. Highly recommend!
Bank tolak tapi Southern SME lulus RM150K! Sekarang boba shop saya ada 3 branch. Rate pun ok!
Bank tak layan, tapi Southern SME luluskan loan kereta baru untuk e-hailing. Alhamdulillah!
Dapat Macbook baru! Southern SME approve RM8K untuk freelancer. Bayar bila client bayar - sangat understanding!
Influencer pun boleh loan! Southern SME lulus RM25K guna 6 bulan income IG. Tinggal WhatsApp je!
