Frequently Asked Questions

What is Easy Banque?

Easy Banque is a Malaysia-based corporate financing firm specialising in providing structured funding solutions for small and medium-sized enterprises (SMEs).
Our financing focuses on working capital support, business expansion, operational funding, and project-based financing.
We aim to help businesses strengthen cash flow, improve stability, and sustain long-term growth through responsible and flexible financing options.

Yes. Easy Banque operates strictly in accordance with Malaysian financial regulations and internal compliance policies.
We follow industry best practices in credit assessment, risk management, client verification, and documentation handling.
All evaluations are conducted with transparency and professionalism to ensure responsible lending practices.

We work with a wide range of SMEs across multiple industries, including:

  • Retail & trading

  • Manufacturing

  • Food & beverage

  • Logistics & services

  • Construction & project-based businesses

  • E-commerce & wholesale

We do not support restricted sectors as outlined by regulatory guidelines.

Yes. Every business is unique, and so are its financial needs.
Easy Banque provides fully tailored financing proposals based on:

  • Your business model

  • Cash flow patterns

  • Repayment capacity

  • Funding purpose

  • Risk and financial profile

Our goal is to deliver the most suitable and sustainable financing structure for your business.

We are faster, more flexible, and more personalised.
Unlike banks, we focus on real business performance rather than depending heavily on financial statements or collateral.
Our assessment prioritises your cash flow, business potential, and operational needs, enabling quicker approval and simpler documentation.

Who is eligible to apply for financing?

To qualify, your business should meet the following basic criteria:

  • A legally registered Malaysian business (Sole Proprietorship, Partnership, or Sdn. Bhd.)

  • Minimum 6–12 months business operation

  • Active monthly bank transactions

  • Consistent revenue flow

  • Directors with a reasonable credit profile

Businesses with stronger cash flow and healthy banking activity generally enjoy better approval outcomes.

Yes. Businesses with less than a year of operation may still be considered on a case-by-case basis.
We evaluate based on actual performance indicators, such as:

  • Sales revenue

  • Bank transaction activity

  • Contracts, invoices, or purchase orders

  • Business potential

A strong supporting document can help newer companies secure financing.

Easy Banque does not impose a fixed revenue requirement.
Instead, we evaluate your bank statements to understand monthly cash inflow, cash outflow, and financial discipline.
A stable income pattern strengthens your chances of approval.

Most of our SME financing packages do not require collateral.
For larger financing amounts, additional guarantees or supporting documents may be requested depending on risk assessment.

A healthy credit profile is beneficial and may result in:

  • Higher approval chances

  • Better financing rates

  • More flexible repayment options

However, we also consider businesses where directors have minor issues, as long as the company demonstrates strong cash flow.

What documents are needed for the application?

You will typically need to submit:

  • SSM company profile

  • Directors’ IC

  • 6–12 months bank statements

  • Latest financial statements (if available)

  • Proof of business activity (invoices, contracts, tenancy, or supplier purchase orders)

These documents help us assess the financial stability and operational health of your company.

Bank statements allow us to evaluate:

  • Monthly revenue

  • Cash flow patterns

  • Payment behaviour

  • Business scale and consistency

  • Repayment ability

Cash flow is one of the strongest indicators of a business’s financial strength, which is why it is a key part of our assessment process.

Yes. Easy Banque treats all submitted documents with the highest level of confidentiality.
Your information is securely stored and used exclusively for financing assessment purposes.
We do not share any customer data with third parties without consent.

Yes. If your financing is still under review, you may update bank statements, financial records, or supporting documents at any time.
Updated documents may improve your approval chances.

Financial statements are helpful but not mandatory.
Businesses without audited accounts may still qualify as long as bank statement performance is healthy.

How long does the approval process take?

Most assessments are completed within 1–3 working days once all necessary documents are provided.
New, complex, or high-value applications may take slightly longer due to additional review steps.

Yes. The entire journey—including document submission, assessment, and approval—can be completed digitally.
This allows your business to access financing quickly and conveniently.

Once your assessment is complete, an Easy Banque representative will contact you directly to:

  • Update you on the approval status

  • Explain financing terms

  • Guide you through the next steps

  • Arrange agreement signing

Approval is based on several key indicators, including:

  • Consistent monthly revenue

  • Positive cash flow

  • Stable operations

  • Clear business purpose for financing

  • Directors’ credit behaviour

Submitting complete and accurate documents greatly improves your approval chances.

No. There are no upfront fees during the application stage.

What financing amounts are available?

Anchor Capital typically offers financing from RM10,000 to RM500,000, depending on:

  • Business size

  • Cash flow strength

  • Industry risk

  • Assessment results

Higher financing limits may be considered for well-performing businesses.

Repayment tenures usually range from 6 to 36 months, depending on the financing structure and your company’s repayment capacity.

Rates are influenced by:

  • Company cash flow

  • Monthly revenue strength

  • Risk profile

  • Business stability

  • Financing amount & tenure

All charges and fees are presented transparently before you proceed—no hidden fees.

Once approved and the agreement is signed, disbursement typically occurs within 24–48 hours, allowing businesses to access funds quickly when needed.

Yes. Early settlement is allowed.
Depending on your agreement, rebates or minimal settlement fees may apply.

Late repayment may result in:

  • Late payment charges

  • Temporary suspension of financing

  • A negative impact on credit standing

We encourage customers to contact us early if they expect delays so we can assist.

What is Easy Banque i-FUND Personal Financing?

Easy Banque i-FUND is a Shariah-compliant personal financing solution structured in accordance with approved Shariah principles. It is designed to support personal financial needs with transparent terms, flexible repayment options, and a fully regulated process.

Malaysian citizens aged between 18 and 60 years old with a minimum gross monthly income of RM1,000 are eligible to apply, subject to affordability and credit assessment.

Applicants may apply for financing amounts ranging from RM1,000 up to RM50,000, subject to income verification and approval.

Required documents vary depending on employment type:

  • Salaried Employees:
    Identity Card (IC), latest 3 months’ salary slips, latest 3 months’ bank statements, and latest utility bill.
  • Self-Employed Individuals:
    Identity Card (IC), SSM registration, latest 6 months’ company bank statements, latest 3 months’ personal bank statements, and latest utility bill.

Approval is typically completed within 3 working days upon submission of complete and valid documents.

Yes. i-FUND is structured in accordance with approved Shariah principles to ensure ethical, transparent, and responsible financing.

No. All fees are disclosed upfront, and there is no early settlement penalty, allowing greater flexibility for applicants.

Once approved and all documentation is completed, funds will be disbursed promptly according to the agreed terms.

No collateral is required. Approval is based on income assessment and eligibility criteria.