Running a SME is never easy, especially when you're struggling with the funding to grow your business to the next level. We know the importance of having access to fundings for SMEs, without going through the hassle of hunting down for bankers for loan applications and approvals.

That's why we created Financing Portal, a first of its kind financing platform in Malaysia that is embedded right into accounting software. By sharing non-identifiable and aggregated data with our lending partners, we bring you loan pre-approval, without having you to step out of your home / office!

To get started, you will first have to visit Financing Portal and submit your consent preference.

That's it! Now sit back and relax, once the results are in, you will be notified in-app and through email.

Find out the meaning of different statuses here.

Great, you've granted your consent! There's nothing else to be done except waiting for the pre-approval result. Results will typically come in within 2 weeks time, we're working closely with our partners to speed up the process.

Once the result is out, you will be notified through various channels such as email or in-app notification.

The result came back positive! One of our lending partners has an pre-approved loan offer for you.

Simply visit Financing Portal to find out what's the offer, you can typically find out the following:

You will also see a 'Quick Apply' button where you can fast-track your loan application and get it processed within days.

You are not qualified for pre-approval as well as loan application, this is likely due to:

There's no need for you to retry for time being, system will retry for you if your business becomes qualified again, you will be notified separately in the future.

This usually means you haven't been very hardworking in updating your income records in your Bukku Accounting, for example:

You can still go ahead with a standard application by providing more documents, but this is kinda defeating the purpose of loan pre-approval, we advise you to get your data up to date at all times.

Some Tips:

It seems that your business profile is not so cantik yet, to put it in a more layman way, it could be that your income hasn't reached the minimum threshold determined by our partners.

You can still go ahead with a standard application provided that you have additional documents to back you up, or you can simply wait for the situation to improve in the future for a system retry.

Select this option if you are not feeling comfortable granting us permission to share non-identifiable data to our lending partners. Under No Consent mode, you can rest assure that none of your data will be shared to 3rd parties for any reasons.

You can still browse the available loan options from our Financing Portal, and should you find a need to apply, you can apply by clicking on the 'Apply' button.

Under this mode, you agree to grant permission for Bukku Accounting to share your business' non-identifiable data with our lending partners. The sharing of data is used to facilitate with the internal assessment conducted by our lending partners, to determine whether you are eligible for loan pre-approval or not.

The meaning of non-identifiable data here refers to any data that can be used to identify the business entity as well as the persons behind the business. In another words, our partners won't know who you are, until you decided to proceed with a loan application.

Here is the complete list of data shared under 'Consent on Non-Identifiable Data' mode:

Q: Will you be contacted by 3rd party lending companies?

A: No and never, sharing non-identifiable data is as far as you can go, our lending partners wouldn't know who you are and which business they are dealing with until you submit a loan application with them.