SME Business loans
in minutes

Apply once. Get a credit line. Access funds anytime with no paperwork and no waiting. Now rolling out in batches.

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RM
months
%
Monthly Payment: 0.00
Total Repayment: 0.00
Total Interest: 0.00

*This is a simplified illustration of monthly repayment.
Actual rate offered may differ to every user.

GX Biz FlexiLoan
Access up to RM150,00 in minutes

For your business right from the GXBank app with 24/7 customer support.

Fast approvals

Apply once and get your credit approved in minutes. There are no charges on your credit line.

*Subject to eligibility requirements.

Instant access to funds

Draw a loan from your credit line and get cash in your GX Biz Account instantly.

*GXBank is a member of Perbadanan Insurans Deposit Malaysia (PIDM). Deposits are protected by PIDM up to RM250,000 for each depositor.

Up to RM150,000 credit limit

Borrow from as low as 3.8% p.a. (EIR from 7% p.a). Enjoy multiple instant drawdowns within your credit limit.

*Subject to eligibility requirements.

Flexible repayments

Repay your way up to 36 months. No fees and no early repayment charges.

Note: GX Biz FlexiLoan comes together as a bundle with GX Biz Account.

Eligibility Criteria

  • Malaysian, aged 18 and above
  • Sole proprietor
  • Active registration with Suruhanjaya Syarikat Malaysia (SSM)
  • Have at least 6 month of bank statements

Not eligible yet? Open a GX Biz Account and enable credit offer notifications. You’ll be the first to know when we’re ready to offer your business a loan.

Apply now

Get exclusive
Grab Merchant rewards

Enjoy RM300 GrabFood Campaign Credits with 0% Merchant Discount Rate on
GrabPay DuitNow QR transactions.

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Designed to grow with your business

Eligibility:

  • Malaysian, aged 18 or above
  • Sole proprietor
  • Have a valid SSM Business Registration (BRN)
  • 6 months of business bank statements

Great for:

  • Freelancers
  • Online sellers
  • Service providers
  • Small business owners

Whether you're just starting out or already growing, GX Biz is built for you.

Apply now

How to apply for FlexiLoan?

Download GXBank app from Google Play Store or Apple App Store.

Check your eligibility, prepare the last 6 months of your business bank statements.

Tap on ‘Business Banking’ and fill in your business details.

Verify your identity using your MyKad.

Enter your 12-digit SSM Business Registration Number (BRN).

*The SSM registration number must be the same as the one registered with your Grab Merchant account.

Tap ‘Get Both’ to accept your credit line that is offered.

*Subject to eligibility. Interest charges only apply when you drawdown from your offered credit line.

How to drawdown from FlexiLoan?

Tap on “Start now” on your homescreen.

On your FlexiLoan dashboard, click on the “Drawdown” icon.

Input the desired drawdown
amount and tenure.

Select your monthly repayment date and name your drawdown.

Apply once. Borrow anytime with flexible repayment.

The funds will be disbursed to
your GX Biz Account instantly.

*GXBank is a member of Perbadanan Insurans Deposit Malaysia (PIDM).  Deposits are protected by PIDM up to RM250,000 for each depositor.

Product Disclosures Sheet

Applicable Fees & Charges

    GXBank’s fees are currently waived. For further details of the fees and charges, please refer to our Product Disclosure Sheet.

    Product Disclosure Sheet

    Click here for the Product Disclosure Sheet GX Biz FlexiLoan.

    Terms and Conditions

    Click here for the full Terms and Conditions for GX Biz FlexiLoan.

    Ready to grow your business?

    Sign up within minutes. No paperwork, no branches.

    Download now

    Frequently Asked Questions

    GX Biz FlexiLoan is a revolving line of credit where SME customers will be granted a credit limit that they are able to make loan drawdowns from, as long as it's within their assigned credit limit.

    What is a revolving line of credit?

    • You have the flexibility to borrow a loan from the credit line only when you need it.
    • No interest or fees will be charged if you do not borrow from the credit line.
    • You can borrow multiple loans up to your credit limit.

    What are the great things about GX Biz FlexiLoan?

    • You can get cash instantly 24/7.
    • Borrow instantly at the click of a button.
    • Before borrowing a loan, all interest rates and fees are clearly displayed to you so you can make the best choice.
    • Flexibility to select a monthly repayment date that works for your business.
    • No early repayment fees.
    • No annual fees.
    • No late fees, but a late interest is chargeable if you do not make your loan repayments on time.
    • You can borrow multiple loans, up to the full amount of your available credit limit.

    What is the difference between base interest rates versus bonus interest rates?

    No interest or fees will be charged if you do not borrow or draw down from the credit line that you have been granted initially.

    How many drawdowns can I take from my credit limit? Is there a limit to how often I can perform drawdowns?

    You can perform drawdowns as often as needed, up to a maximum of 10 times. This is provided you stay within your credit limit and have no overdue payments for more than 15 days.

    Below could be some reasons why you can’t draw a new loan:

    • 10 active loans: You can only borrow up to 10 loans from your available credit limit.
    • Insufficient credit limit: You do not have sufficient credit limit to draw a loan.
    • 15 days past due: Any one of your loans was unpaid for 15 days past the due date.

    How long does it take to receive funds when I draw down a loan  from my credit line?

    Funds will be available instantly upon drawdown.

    Ready to make the switch?

    Open your GX Biz Account and run your business with banking that keeps up.