List of Frequently Asked Question Bintang Cash Sdn Bhd Kuala Lumpur (KL), Selangor, Malaysia

Bintang Cash Sdn Bhd https://www.primasmeadvisory.com

Who can apply for an SME loan?

Your business likely qualifies if: - Registered in Malaysia (SSM) for at least 6 months. - Makes RM10,000 or more per month in revenue. - No major credit issues (we can help improve your credit).

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Do I need collateral?

Not always! We offer: - Unsecured loans (no collateral) – up to RM150,000 for startups. - Secured loans (with collateral) – for higher amounts.

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What documents do I need?

Typically: - 6 months of bank statements. - SSM/Business registration document. - Owner’s IC & tax filings (if available).

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Can I apply if I have bad credit (Blacklisted)?

Yes, you can! We look at your business potential and cash flow, not just your credit history.

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Are there hidden fees?

No hidden charges! Only: - 1 – 2% processing fee (waived for first 50 applicants). - No prepayment penalties.

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What is the Micro Fund?

Prima SME’s Micro Fund provides quick financing up to RM50,000 for daily operations, inventory, or small upgrades.

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How does the Micro Fund work?

- Amount: RM1,000 – RM200,000 - Rates: From 0.8%/month - Tenure: 3 to 18 months - Speed: Funds disbursed in 1–2 days post-approval (fees deducted upfront).

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What repayment terms are available?

Flexible options: 3, 6, 12, or 18 months to match your cash flow.

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Can I choose my repayment schedule?

Yes, you can. We’ll adjust repayments to match your cash flow.

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Can I get more funding later?

Existing clients get priority for extra funding, often at better rates. Terms and Conditions Apply.

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Can I refinance my current loans?

Yes! We can combine high-interest debts into one lower-rate loan.

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How do I apply?

4 simple steps: - Complete the online form (5 minutes) - Upload documents: NRIC/Passport and 6 months of bank statements - Get approved – Email updates within 24 hours - Receive funds – Direct to your business account

Bintang Cash Sdn Bhd https://www.primasmeadvisory.com

How is Prima SME Advisory different from banks?

We offer: - Faster approvals (days, not weeks). - Real advisors (not call centers). - We lend to "risky" industries (F&B, retail, etc.).

Bintang Cash Sdn Bhd https://www.primasmeadvisory.com

Why is my approval taking longer?

Some applications require extra verification for your protection. We’ll contact you shortly!

Bintang Cash Sdn Bhd https://www.primasmeadvisory.com

Is my data safe with Prima SME Advisory?

100% secure. We never share your info without your permission.

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How fast is approval?

Pre-approved within 24 hours. Funds are credited to your account within 2–5 days if the documents are complete.

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Does fast approval lower my amount?

No. Speed doesn’t affect funding limits. Need more? Submit additional docs for review.

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What if I miss a payment?

Tell us ASAP. We’ll adjust your plan without harsh penalties.

Explore answers with confidence.

All Category

Who can apply for an SME loan?

Do I need collateral?

What documents do I need?

Can I apply if I have bad credit (Blacklisted)?

Are there hidden fees?

What is the Micro Fund?

How does the Micro Fund work?

What repayment terms are available?

Can I choose my repayment schedule?

Can I get more funding later?

Can I refinance my current loans?

How do I apply?

How is Prima SME Advisory different from banks?

Why is my approval taking longer?

Is my data safe with Prima SME Advisory?

How fast is approval?

Does fast approval lower my amount?

What if I miss a payment?