What We Offer
Understanding SME Classification
Small and Medium-sized Enterprises (SMEs) are the undisputed heartbeat of Malaysia’s economy. Beyond providing vast employment opportunities, SMEs drive entrepreneurial innovation and economic growth.
Expert Guidance
Core Eligibility Criteria
Tailored to Your Needs
Important SME Exclusions
Your business will not be officially classified as an SME if it operates as a direct subsidiary of, or falls under the control of, any public-listed companies on the main board.
Multinational Corporations (MNCs) and their direct corporate subsidiaries are strictly excluded from qualifying for any specialized SME financing facilities.
Government-Linked Companies (GLCs) do not fall under the standard SME classification and cannot apply through these specific commercial channels.
State-owned enterprises, including Syarikat Menteri Kewangan Diperbadankan (MKDs), are entirely excluded from SME business loan eligibility.
Tailored to Your Needs
SME Qualification Criteria in Malaysia
| Industry Sector | Small Enterprise | Medium Enterprise |
|---|---|---|
| Manufacturing | Sales Turnover: RM 300,000 to < RM 15 Mil Full-Time Employees: 5 to < 75 |
Sales Turnover: RM 15 Mil to < RM 50 Mil Full-Time Employees: 75 to < 200 |
| Services & Others | Sales Turnover: RM 300,000 to < RM 3 Mil Full-Time Employees: 5 to < 30 |
Sales Turnover: RM 3 Mil to < RM 20 Mil Full-Time Employees: 30 to < 75 |
Seamless Process
Your 4-Step Path to Business Financing
Securing corporate financing can be complex. At YYC Consultancy, we streamline the process so you can stay focused on running your business:
Step 1: Strategic Consultation
Reach out to us to set up a private consultation. Our corporate brokers will analyze your current business challenges, cash flow needs, and growth objectives.
Step 2: Document Collection
We provide a clear, tailored checklist of the necessary financial and company documents required by the banks, ensuring your application is complete.
Step 3: Package Comparison
We leverage our network to compare the best SME loan packages across multiple banks, advising you on the optimal facility and lowest rates.
Step 4: Fast Bank Approval
YYC Consultancy manages the entire submission process, following up aggressively with financial institutions to secure your approval and expedite your fund disbursement.
