Business Financing
Empower Your Business with Smart Financing Solutions
Let’s power your business forward—with the right funding, at the right time.
Running a business comes with opportunities—and financial challenges. Whether you’re expanding operations, managing cash flow, or securing better terms with suppliers, having the right funding strategy can be a game changer.
At Aprove Ventures, we connect business owners to the capital they need—fast. With over 20 years of experience and a trusted network of 25+ banks, P2P lenders, and private financiers, we’ve helped 15,000+ SMEs across Malaysia secure funding that fits.
Whether you’re looking for business term loans, overdraft facilities, or tradeline facilities, we offer tailored, efficient financing solutions—backed by government-supported options like SJPP and GCG schemes.
Business Term Loan
Fuel long-term growth with structured financing.
A Business Term Loan is ideal for SMEs seeking stable, long-term capital for expansion, asset acquisition, or working capital. Whether you’re scaling your operations or planning a major investment, this solution gives you the breathing room to grow.
Loan/Financing Amount
Up to RM5,000,000
Tenure
Up to 7 years
Interest Rate
Competitive interest/profit rate
Repayment
Fixed monthly instalments
Collateral
Secured or unsecured options available
Eligibility
May qualify for SJPP (Skim Jaminan Pembiayaan Perniagaan) or GCG Scheme (Government Credit Guarantee)
Benefits of Business Term Loan
Unlock larger capital with fixed repayments, lower rates, and government-backed support to grow your business with reduced financial risk.
- Access larger capital to scale and grow your business
- Predictable repayments for better financial planning
- Lower interest rates than short-term credit lines
- Improve your business credit profile over time
- Strengthen your position with government-backed support
- Leverage SJPP and GCG to secure funding with reduced risk
Overdraft Facility
Maintain flexibility with short-term cash access.
An overdraft facility offers instant access to funds, helping you manage operating expenses, payroll, or urgent purchases without disrupting cash flow. It’s a smart financial buffer for businesses with seasonal or unpredictable income.
Credit Limit
Based on turnover & credit profile
Interest
Charged only on the amount used
Tenure
Typically renewable annually
Usage
Working capital, payroll, urgent expenses
Account Integration
May be linked to your business current account
Benefits of Overdraft Facility
Get flexible funding with interest-only charges on usage—ideal for managing cash flow, seasonal needs, and daily business operations.
- Pay interest only on what you use
- Fast access to cash during tight periods
- Supports daily operations and short-term gaps
- Flexible tool for businesses with fluctuating cash flow
- Great for businesses with seasonal income cycles
Tradeline Facility
Buy now, pay later—keep your supply chain moving.
Tradeline facilities support inventory purchases, raw materials procurement, and supplier negotiations without locking up working capital. With various instruments available, this is ideal for businesses in retail, trading, or manufacturing.
Types of Tradeline Facilities:
- Letter of Credit (LC)
- Banker’s Acceptance (BA)
- Trust Receipt (TR)
- Invoice Financing
- Shipping Guarantee
- Bank Guarantee
Credit Limit
from RM500,000 onwards
Payment Terms
30 – 180 days
Structure
Revolving trade credit for pre-shipping and post-shipping requirement
Collateral
Optional, based on profile
Financing Option
Available in Conventional or Islamic financing
Benefits of Tradeline Facility
Defer supplier payments, protect cash flow, and free up capital—ideal for managing trade cycles without affecting existing loan limits.
- Defer supplier payments and protect cash flow
- Strengthen credibility with vendors
- Free up capital for business operations
- Doesn’t affect existing loan limits
- Ideal for ongoing trade and procurement cycles
Ready to take your business further?
Let our experts help you tap into government-backed loan schemes and strategic financing that works for your goals.
As an SME, navigating loan applications and credit facilities can be time-consuming and complex. That’s where we come in. Aprove Ventures provides end-to-end support—from identifying the best loan structure to securing approvals and optimizing your financing terms.