Financing
Smart Financing to
Accelerate Business Growth
Access fast, data-led funding with streamlined approvals, flexible repayment terms, and competitive rates for existing merchants.
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
Access a loan amount of up to RM200,000
Receive funds as early as the next working day
Flexible tenure options, with extended terms coming soon
Competitive monthly interest rate, capped at 18% per annum
Repay via daily or monthly deductions from your settlement or preferred bank account
Pay only stamp duty and attestation fee of 1% of the loan limit plus SST
Financing Designed for Business Growth
Financing Designed for Business Growth
Expand Operations
Open new outlets or increase resources.
Upgrade Equipment
Improve efficiency through better tools, systems, or hardware.
Optimise Cash Flow
Stabilise your business during peak and low seasons.
Ready to move forward?
Frequently Asked Questions (FAQs)
Our SME Digital Loan is a lending product designed specifically for Malaysian SMEs and existing merchants who need additional funding. No collateral needed. Digital lending is an automated digital process encompassing onboarding, disbursement and repayment process to facilitate the whole micro financing journey.
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 our merchants in 2022.
Quick and easy financing solutions to meet your business needs.
Loan amount up to RM200,000.
Benefit from flexible loan tenures of 3 to 12 months, ensuring the right financing option for your business.
A copy of one of the director's NRIC (front and back).
Yes, Stamp Duty and an Attestation Fee (1% of the loan limit and subject to SST) apply. These fees are deducted from the loan amount during disbursement.
You can reach out to us via email at ADAPTIS-MY-sales@nttdata.com
NTT DATA Payment Services Sdn. Bhd.
C-G-15 Block 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)