Ikut bisnesBy business

Pembiayaan untuk startupFinancing for startup

Laluan pembiayaan yang biasanya sesuai untuk startup, dan skim sebenar yang mungkin sesuai — dengan sebabnya. Mungkin sesuai, bukan jaminan kelulusan.The financing routes that usually fit startup, 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 startup — 10 khusus sektor, 3 umum.13 curated schemes may fit startup — 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:

  • Startup teknologi (awal)Tech startup (early)
  • Deep-techDeep-tech
  • Startup platform / marketplacePlatform / marketplace startup
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:

  • Pembiayaan ramai ekuiti (equity crowdfunding, ECF) dikawal selia oleh Suruhanjaya Sekuriti Malaysia (SC), yang mendaftarkan pengendali ECF sebagai pengendali pasaran yang diiktiraf di bawah Garis Panduan Pasaran Yang Diiktiraf.Equity crowdfunding (ECF) is regulated by the Securities Commission Malaysia (SC), which registers ECF operators as recognised market operators under the Guidelines on Recognized Markets. · sumbersource
  • ECF ialah platform pengumpulan dana dalam talian untuk syarikat permulaan (startup) atau PMKS mengumpul pembiayaan peringkat awal daripada sekumpulan pelabur.ECF is an online fundraising platform for start-ups or MSMEs to raise early-stage financing from a group of investors. · sumbersource
  • Hanya syarikat yang diperbadankan di Malaysia dan perkongsian liabiliti terhad (kecuali syarikat persendirian dikecualikan) dibenarkan menjadi penerbit (issuer) yang mengumpul modal di platform ECF.Only locally incorporated companies and limited liability partnerships (excluding exempt private companies) may act as issuers raising capital on an ECF platform. · sumbersource
Nilai bisnes anda duluValue your business first

Nilai startup →Value startup → · Cara nilai dikiraHow value is calculated

Soalan lazimFAQ

Jenis pembiayaan apa yang biasanya sesuai untuk startup?

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.