SME micro financing (Direct Lending)
Direct Lending – pembiayaan mikro PKS
SME micro financing up to RM200,000 over 6–18 months, unsecured, Shariah-compliant or conventional, through Direct Lending's financing partners.
- Check you qualify: an SSM-registered business (or local-authority registered in Sabah/Sarawak) — sole proprietor, partnership or Sdn Bhd — operating for at least 6 months, revenue of at least RM3,000 a month, no pending legal action and not bankrupt.
- Contact Direct Lending on WhatsApp (link on the site) and send your MyKad and 6 months of bank statements.
- Approval takes about 3 working days. Check the offer: up to RM200,000, 6–18 months, 0.8%–1.5% a month, with a 10% processing fee deducted from the payout.
- Sign the agreement online. Funds arrive in about 2 working days.
KPKT licence
Licence no.: WL7784/14/01 (Direct Lending Sdn. Bhd.). Checked against KPKT's list of approved online moneylenders (kemaskini 09/2026).
Check the licence in the i-KrediKom app before you apply.
According to the site: funded by Direct Lending's business partners (licensed lenders or financiers), Shariah-compliant or conventional. Rate 0.8%–1.5% a month; 10% processing fee deducted at disbursement; 2% early-settlement fee (conventional). Applying through Direct Lending is free.
This is a licensed moneylender under the Moneylenders Act 1951, not a bank. General information only, not financial advice.
Checked 19 Oct 2026
Questions
What is SME micro financing (Direct Lending)?
Direct Lending – pembiayaan mikro PKS: SME micro financing up to RM200,000 over 6–18 months, unsecured, Shariah-compliant or conventional, through Direct Lending's financing partners.
How do I get started with Direct Lending – pembiayaan mikro PKS?
Follow the 4 steps on this page. Step 1: Check you qualify: an SSM-registered business (or local-authority registered in Sabah/Sarawak) — sole proprietor, partnership or Sdn Bhd — operating for at least 6 months, revenue of at least RM3,000 a month, no pending legal action and not bankrupt.
How much does Direct Lending – pembiayaan mikro PKS cost?
Rate 0.8%–1.5% a month (according to the site)
When was this information checked?
Checked on 19 Oct 2026 against the provider's official page.