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Accelerate Your Business Potential
with SME Digital Loan

From expansion to cash flow, we’ve got you covered. The SME Digital Loan is a micro-financing solution tailored for registered merchants in the NTT DATA Payment Services ecosystem. Apply online in minutes and get funds quickly to grow operations, upgrade equipment, or stabilise cash flow.

Why Businesses Choose our SME Digital Loan

Quick application with
minimal documentation.

Exclusive to existing NTT DATA Payment Services merchants. 

Approved and licensed
by KPKT.

SME Digital Loan to Support Your Business Needs

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Access a loan amount of up to RM200,000*

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Receive funds as early as the next working day

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Flexible tenure options, with extended terms coming soon

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Competitive monthly interest rate,
capped at 18% per annum*

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Repay via daily or monthly deductions from your settlement or preferred bank account

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Pay only stamp duty and attestation fee
of 1% of the loan limit plus SST


*Subject to terms and conditions.

 

Financing Designed for Business Growth

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Expand Operations

Open new outlets or increase resources.

Upgrade Equipment

Improve efficiency through better tools, systems, or hardware.

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Optimise Cash Flow

Stabilise your business during peak and low seasons.





FAQs

As one of the eight approved pioneer 'Credit Community' providers under the Ministry of Housing and Local Government (KPKT), we are amongst the first to roll out digital lending services for its merchants in 2022. Digital lending will be an automated digital process encompassing onboarding, disbursement and repayment process to facilitate the whole micro financing journey.

Our SME Digital Loan is a lending product designed specifically for Malaysian SMEs and existing Group merchants who need additional funding. No collateral needed.

Our Existing Merchants are those with ADAPTIS In-Store and ADAPTIS e-Commerce accounts, as well as e-pay retailers and merchants registered with NTT DATA e-Commerce Solutions (formerly known as iPay88 Malaysia). Eligibility is subject to terms and conditions.

We only require a copy of one director's NRIC (front and back).

A Stamp Duty and Attestation Fee (1% of the loan limit + SST) will be deducted at the time of disbursement.

For support, please email sales@ghl.com

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NTT DATA Payments Sdn. Bhd.
 C-G-15 Blok C, Jalan Dataran SD1, Dataran SD PJU9, Bandar Sri Damansara, 52200 Wilayah Persekutuan Kuala Lumpur.
 03-6286 3388

License No.: WL7152/14/01-4/080827 (09/08/2025 - 08/08/2027)
Permit No.: XXXXXXXXXX (XX/XX/XXXX - XX/XX/XXXX)