Ikut bisnesBy business

Pembiayaan untuk jualan onlineFinancing for online selling

Laluan pembiayaan yang biasanya sesuai untuk jualan online, dan skim sebenar yang mungkin sesuai — dengan sebabnya. Mungkin sesuai, bukan jaminan kelulusan.The financing routes that usually fit online selling, and the real schemes that may fit — with the reasons. May fit, never a promise of approval.

Cari skim untuk bisnes sayaFind schemes for my business Nilai bisnes iniValue this business
Gambaran pembiayaan untuk sektor iniThis sector's funding at a glance

10 skim terpilih mungkin sesuai untuk jualan online — 7 khusus sektor, 3 umum.10 curated schemes may fit online selling — 7 sector-specific, 3 general. Kebanyakannya pembiayaan dan ekuiti.Mostly financing and equity.

Had disahkan tertinggi: RM20,000,000 (Funding Societies Malaysia) — satu skim, bukan jumlah semua.Highest verified limit: RM20,000,000 (Funding Societies Malaysia) — one scheme, not a sum.

Jenis bisnes dalam sektor iniTypes of business in this sector

Pembiaya kerap minta pendaftaran/lesen ikut jenis bisnes — disenaraikan dengan sumber:Financiers often ask for a type-specific registration/licence — listed with the source:

  • Penjual marketplaceMarketplace seller
  • Dropship / penjual onlineOnline seller / dropship
  • Jenama sendiri (D2C)Own-brand D2C
Laluan yang biasanya sesuaiRoutes that usually fit

Skim yang menyasarkan bisnes iniSchemes aimed at this business

Funding Societies Financing Funding Societies Malaysia

Pembiayaan modal kerja & invois (P2P berlesen)Working-capital & invoice financing (licensed P2P)

RM20,000,000 Had disahkanVerified limit had dinyatakan penyedia — sumberprovider-stated limit — source
Laman rasmi →Official site → Butiran skim →Scheme details →
MIDF SME Financing Malaysian Industrial Development Finance

Pembiayaan PKS & industri (DFI)SME & industrial financing (DFI)

RM20,000,000 Had disahkanVerified limit had dinyatakan penyedia — sumberprovider-stated limit — source
Laman rasmi →Official site → Butiran skim →Scheme details →
SME Bank Financing SME Bank Malaysia

Pembiayaan PKS merentasi sektorSME financing across sectors

— Sahkan had dengan penyediaConfirm limit with provider
Laman rasmi →Official site → Butiran skim →Scheme details →
Bank Islam SME Financing Bank Islam Malaysia

Pembiayaan Islamik PKS (modal kerja & aset)Islamic SME financing (working capital & assets)

RM1,000,000 Had disahkanVerified limit had dinyatakan penyedia — sumberprovider-stated limit — source
Laman rasmi →Official site → Butiran skim →Scheme details →
BNM Fund for SMEs Bank Negara Malaysia (via participating banks)

Dana BNM untuk PKS (melalui bank peserta)BNM-backed SME funds via participating banks

RM10,000,000 Had disahkanVerified limit had dinyatakan penyedia — sumberprovider-stated limit — source
Laman rasmi →Official site → Butiran skim →Scheme details →
CGC Loan Guarantee Credit Guarantee Corporation

Jaminan pinjaman untuk PKS tanpa cagaranLoan guarantees for SMEs without collateral

RM10,000,000 Had disahkanVerified limit had dinyatakan penyedia — sumberprovider-stated limit — source
Laman rasmi →Official site → Butiran skim →Scheme details →
SME Digitalisation Grant MDEC / participating banks

Geran padanan untuk pendigitalan bisnesMatching grant to go digital

RM5,000 Had disahkanVerified limit had dinyatakan penyedia — sumberprovider-stated limit — source
Laman rasmi →Official site → Butiran skim →Scheme details →

Skim umum yang terbuka untuk bisnes iniGeneral schemes open to this business

Terbuka umum (termasuk anda), bukan khusus sektor ini — kelayakan ditentukan penyedia. Had disahkan & sumber ada di laman jenis pembiayaan setiap skim.Open generally (including you), not specific to this sector — the provider decides eligibility. Each scheme's verified limit & source are on its financing-type page.

  • Equity Crowdfunding (ECF) (SC-registered ECF platforms)
  • pitchIN (Pitch Platforms Sdn Bhd (SC-registered ECF))
  • Leet Capital (Leet Capital Sdn Bhd (SC-registered ECF))

Skim yang TIDAK terbuka untuk bisnes iniSchemes NOT open to this business

Sekatan sektor bersumber yang mengecualikan bisnes anda — ditunjukkan supaya anda tak buang masa memohon:Sourced sector restrictions that exclude your business — shown so you don't waste time applying:

  • Cradle Fund (CIP) (Cradle Fund) — terhad kepada sektor quaternaryrestricted to quaternary sectors · sumbersource
  • MDEC Programmes (Malaysia Digital Economy Corporation) — terhad kepada sektor quaternaryrestricted to quaternary sectors · sumbersource
  • MTDC Commercialisation Funding (Malaysian Technology Development Corp) — terhad kepada sektor quaternaryrestricted to quaternary sectors · sumbersource
  • MBAN Angel Network (Malaysian Business Angel Network) — terhad kepada sektor quaternaryrestricted to quaternary sectors · sumbersource
  • BERNAS Financing Programme (Agrobank (Bank Pertanian Malaysia Berhad)) — terhad kepada sektor primaryrestricted to primary sectors · sumbersource
  • AGRO Kredit Mikro (Agrobank (Bank Pertanian Malaysia Berhad)) — terhad kepada sektor primaryrestricted to primary sectors · sumbersource
  • AGRO Pembiayaan Padi (Agrobank (Bank Pertanian Malaysia Berhad)) — terhad kepada sektor primaryrestricted to primary sectors · sumbersource

Sebelum mohon: lesen & pendaftaranBefore you apply: licences & registration

Fakta rasmi untuk bantu anda bersedia — bukan nasihat:Official facts to help you prepare — not advice:

  • Di bawah Peraturan-Peraturan Perlindungan Pengguna (Transaksi Perdagangan Elektronik) 2024, pembekal pasaran dalam talian mesti mendedahkan maklumat yang ditetapkan dalam Jadual — termasuk nama, alamat laman web, e-mel, nombor telefon, alamat perniagaan dan harga penuh barang.Under the Consumer Protection (Electronic Trade Transaction) Regulations 2024, an online marketplace supplier must disclose the information in the Schedule — including its name, website address, email, phone number, trading address and the full price of goods. · sumbersource
  • Peraturan Transaksi Perdagangan Elektronik 2012 yang lama telah dibatalkan dan digantikan dengan Peraturan 2024, yang berkuat kuasa pada 25 Disember 2024 — jadi rujuk versi 2024 bila menyemak kewajipan anda.The older 2012 Electronic Trade Transactions Regulations were revoked and replaced by the 2024 Regulations, in force from 25 December 2024 — so check your obligations against the 2024 version. · sumbersource
  • Peniaga dalam talian yang beroperasi sebagai pemilikan tunggal atau perkongsian mesti mendaftarkan perniagaan dengan SSM tidak lewat daripada 30 hari dari tarikh perniagaan bermula, di bawah Akta Pendaftaran Perniagaan 1956.An online seller operating as a sole proprietor or partnership must register the business with SSM no later than 30 days from the date the business commences, under the Registration of Businesses Act 1956. · sumbersource
Nilai bisnes anda duluValue your business first

Nilai jualan online →Value online selling → · Cara nilai dikiraHow value is calculated

Soalan lazimFAQ

Jenis pembiayaan apa yang biasanya sesuai untuk jualan online?

Pembiayaan invois, Geran padanan, Pembiayaan dagangan, Kemudahan modal kerja, Pembiayaan berjamin.

Adakah BijakDana beritahu saya layak?

Tidak. Kami hanya kata sesuatu skim mungkin sesuai. Kelayakan ditentukan oleh penyedia.

Adakah BijakDana broker pembiayaan?

Tidak. BijakDana bukan pemberi pinjaman dan tidak menjadi broker pembiayaan. Anda memohon terus kepada penyedia.

Data disemak: 2026-09.Data checked: 2026-09.