Business Loan / SME Loan
A Business Loan or SME Loan is a financing solution designed to support small and medium-sized enterprises in achieving their goals — whether it’s for expansion, equipment purchases, working capital, or trade needs. From term loans and overdrafts to trade facilities like letters of credit, bank guarantees, and bankers acceptance, these loans provide the flexibility businesses need to manage cash flow and pursue new opportunities without straining their finances.
At OG Group, we help you navigate the various loan options available by matching your business with the right financing solution — tailored to your goals, cash flow, and repayment capacity. We liaise with multiple banks, handle the documentation and submission process, and offer guidance every step of the way, so you can focus on running your business while we take care of the rest.
Bank Submission
Your application goes further — we submit to several banks to find your best fit.
Disclaimer: OG Marketing Group Sdn. Bhd. is not a lender. We act as an independent loan consultant, helping clients connect with reputable financial institutions in Malaysia. All final decisions regarding loan approval, terms, and disbursement are made by the respective banks.
Term Loan / Clean Loan
Our term loan (also known as a clean loan when unsecured) provides SMEs with a lump-sum amount over a fixed period. It’s ideal for financing business expansion, asset purchases, or long-term investments. With competitive rates and flexible repayment terms, it’s a straightforward way to support sustainable business growth.
Overdraft (OD)
Our overdraft facility gives SMEs flexible access to additional funds beyond their account balance — helping to manage short-term cash flow gaps. Withdraw and repay as needed, making it a practical solution for unexpected expenses or daily operational needs.
Bank Guarantee
A bank guarantee strengthens your credibility by assuring third parties that financial obligations will be met. Whether bidding for a contract or fulfilling project terms, this facility gives your business the backing it needs to secure deals and build trust with clients or partners.
Letter of Credit (LC)
Our letter of credit service supports SMEs engaged in international or large-scale trade. Issued on your behalf, it guarantees payment to your suppliers once agreed conditions are met — reducing risk and ensuring smoother, more secure cross-border transactions.
Bank Acceptance (BA)
A bank acceptance is a short-term financing option based on bills of exchange or promissory notes. It provides immediate cash flow while assuring suppliers of payment at maturity — ideal for managing working capital and financing trade-related transactions.
Business Loan / SME Loan Application Form
Drop us a message and we’ll get in touch to explore your options and move forward together.
