Ikut bisnesBy business

Pembiayaan untuk teknologi / saasFinancing for tech / saas

Laluan pembiayaan yang biasanya sesuai untuk teknologi / saas, dan skim sebenar yang mungkin sesuai — dengan sebabnya. Mungkin sesuai, bukan jaminan kelulusan.The financing routes that usually fit tech / saas, 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

17 daripada skim terpilih kami padan dengan bisnes teknologi / saas (14 menyasarkan sektor ini secara khusus, 3 terbuka umum).17 of our curated schemes match tech / saas businesses (14 aimed specifically at this sector, 3 open generally). Kebanyakannya datang dalam bentuk ekuiti dan geran.Most arrive as equity and grant.

Had tertinggi yang kami sahkan untuk sektor ini: RM20,000,000 (Funding Societies Malaysia) — had satu skim, bukan jumlah semua skim.The highest verified limit we show for this sector: RM20,000,000 (Funding Societies Malaysia) — one scheme's limit, not a sum of schemes.

Jenis bisnes dalam sektor iniTypes of business in this sector

Sektor ini merangkumi beberapa jenis bisnes berbeza. Pembiaya kerap minta pendaftaran/lesen mengikut jenis — kami senaraikannya (dengan sumber) supaya anda tahu apa perlu disediakan.This sector covers a few distinct business types. Financiers often ask for a type-specific registration/licence — we list them (with the source) so you know what to prepare.

  • SaaS B2BB2B SaaS
  • SaaS vertikalVertical SaaS
  • Alat pembangun / APIDev tools / API
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 →
SME Corp Business Accelerator Programme (BAP) SME Corp Malaysia

Geran + khidmat nasihat untuk PKS berkembangGrants + advisory for growing SMEs

RM400,000 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 →
MAVCAP Malaysia Venture Capital Management

Modal teroka untuk syarikat teknologi berkembangVenture capital for scaling tech companies

— Sahkan had dengan penyediaConfirm limit with provider
Laman rasmi →Official site → Butiran skim →Scheme details →
Penjana Kapital / Dana Penjana Nasional Penjana Kapital

Dana padanan modal teroka kerajaanGovernment VC matching fund

— Sahkan had dengan penyediaConfirm limit with provider
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 →
Cradle Seed Ventures Cradle Seed Ventures Sdn Bhd

Modal teroka peringkat benih untuk startup teknologi MalaysiaSeed-stage venture capital for Malaysian tech 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 kepada pelbagai bisnes (termasuk anda) — bukan khusus untuk sektor ini, jadi sama merentas kebanyakan sektor. Kelayakan masih ditentukan penyedia. Butiran penuh setiap skim ada di laman jenis pembiayaannya.Open to a range of businesses (including yours) — not specific to this sector, so they are the same across most sectors. The provider still decides eligibility. Full detail for each scheme is 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

Skim ini menyatakan sekatan sektor yang tidak termasuk bisnes anda — jadi ia bukan untuk anda. Kami tunjukkannya (dengan sumber) supaya anda tak buang masa memohon.These schemes document a sector restriction that excludes your business — so they're not for you. We show them (with the source) 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
  • AgroFood Facility (Agrobank) — terhad kepada sektor primaryrestricted to primary 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
Nilai bisnes anda duluValue your business first

Nilai teknologi / saas →Value tech / saas → · Cara nilai dikiraHow value is calculated

Soalan lazimFAQ

Jenis pembiayaan apa yang biasanya sesuai untuk teknologi / saas?

Pembiayaan invois, Geran padanan, Pembiayaan dagangan, Kemudahan modal kerja, Pembiayaan berjamin.

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.