Ikut bisnesBy business

Pembiayaan untuk teknologi / saasFinancing for tech / saas

Laluan pembiayaan yang biasanya sesuai untuk teknologi / saas, dan skim sebenar yang mungkin sesuai — dengan sebabnya. Mungkin sesuai, bukan jaminan kelulusan.The financing routes that usually fit tech / saas, 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

13 skim terpilih mungkin sesuai untuk teknologi / saas — 10 khusus sektor, 3 umum.13 curated schemes may fit tech / saas — 10 sector-specific, 3 general. Kebanyakannya pembiayaan dan geran.Mostly financing and grant.

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:

  • SaaS B2BB2B SaaS
  • SaaS vertikalVertical SaaS
  • Alat pembangun / APIDev tools / API
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 →
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 →
Cradle Fund (CIP) Cradle Fund

Dana peringkat awal untuk startup teknologiEarly-stage tech-startup funding

RM600,000 Had disahkanVerified limit had dinyatakan penyedia — sumberprovider-stated limit — source
Laman rasmi →Official site → Butiran skim →Scheme details →
MTDC Commercialisation Funding Malaysian Technology Development Corp

Dana pengkomersialan teknologiTech commercialisation funding

RM4,000,000 Had disahkanVerified limit had dinyatakan penyedia — sumberprovider-stated limit — source
Laman rasmi →Official site → Butiran skim →Scheme details →
MBAN Angel Network Malaysian Business Angel Network

Pelabur angel untuk startup peringkat awalAngel investors for early startups

— Sahkan had dengan penyediaConfirm limit with provider
Laman rasmi →Official site → Butiran skim →Scheme details →
MDEC Programmes Malaysia Digital Economy Corporation

Geran & program ekonomi digitalDigital-economy grants & programmes

— Sahkan had dengan penyediaConfirm limit with provider
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:

  • MARA Business Financing (MARA) — terhad kepada sektor secondary/tertiaryrestricted to secondary/tertiary sectors · sumbersource
  • PUNB Enterprise Funding (Perbadanan Usahawan Nasional Berhad) — terhad kepada sektor secondary/tertiaryrestricted to secondary/tertiary sectors · sumbersource
  • MIDF SME Financing (Malaysian Industrial Development Finance) — terhad kepada sektor secondary/tertiaryrestricted to secondary/tertiary 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:

  • Malaysia Digital (MD) ialah inisiatif strategik kebangsaan yang diterajui Kerajaan Malaysia dan MDEC untuk menjadikan Malaysia hab pilihan bagi perniagaan dan bakat digital bertaraf dunia.Malaysia Digital (MD) is a national strategic initiative led by the Malaysian Government and MDEC to make Malaysia a preferred hub for world-class digital businesses and talent. · sumbersource
  • MDEC menawarkan Insentif Cukai Malaysia Digital (MD) — skim berperingkat berasaskan hasil untuk menggalakkan pelaburan syarikat berstatus MD dalam bidang digital berpotensi tinggi.MDEC offers the Malaysia Digital (MD) Tax Incentive — a tiered, outcome-based scheme to encourage MD-status companies to invest in high-growth digital areas. · sumbersource
Nilai bisnes anda duluValue your business first

Nilai teknologi / saas →Value tech / saas → · Cara nilai dikiraHow value is calculated

Soalan lazimFAQ

Jenis pembiayaan apa yang biasanya sesuai untuk teknologi / saas?

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

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.