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Need investors for your new start-up, or thinking of taking out financing for your growing business? For burgeoning entrepreneurs, funding is a top priority but getting money for your business can be a challenging task. Here are a few ways to get the funding you need:

Thinking of self-funding?

Self-financing and entrepreneurs go in hand-in-hand – it is, in fact, the top form of financing used by start-ups*. Some also seek funding from family, crowdfund or do a combination of both. Alternatively, some entrepreneurs choose to use a credit card for short-term financing – but this comes with high interest rates and can be expensive in the long-term. 


Using your own money for your business can come with perks such as no interest, no instalment payments or the worry of getting in debt. But investing your own assets is not without risks. Since you’ll have to dip into your hard-earned savings, be sure to:

  • Create a separate business account for easier money management
  • Consider your money as a financing or equity to your business 

  • Keep a detailed accounts of your expenditure 

  • Not use your retirement or emergency funds

Get funding from a government scheme

SMEs are an important sector in Malaysia and in 2016, SMEs contributed 36.6% of Malaysia’s GDP. To help this more SMEs thrive, the Malaysian government has a variety of schemes that start-ups and SMEs can opt for. One such scheme is Cradle Fun Sdn Bhd, which provide RM1 million funding to SMEs. Learn more about the many types of grants here.

Partner with investor

You can also look to angel investors or venture capitalists to help fund your business. 


Angel investors are individual investors and are usually directly involved in your business, so they can bring insights to help your business grow successfully. This is especially helpful if you’re just starting out, but it also means that you give up some control of your company. You can learn more about how an angel investor can contribute to your start-up here


Venture capitalists work for venture capital firms, which invest money in businesses. Their usually large investments are helpful if you’re trying to grow your business quickly. However, venture capitalists usually want equity as part of their return on investment, so you might have to give up part of your ownership of your company.

Get a business financing

Want funds that you can use to run your business, your way? Business financing solutions are useful if you need larger funds, and many banks offer them. Make sure you research their requirements, like credit scores, and whether you can meet them. CIMB offers different business financing depending on what you need. Find out about our financing for Property Financing, Refinancing, Working Capital and more here.


Every business has its own financing and management needs, and it’s up to you to decide what’s best for your business. Just make sure to do your research so you know exactly what you’re getting, and get your financing from reputable sources that you can trust.



This article is brought to you by CIMB as part of our ongoing efforts to raise the level of financial literacy among Malaysians. Financial knowledge and understanding are key to making well-informed and meaningful financial decisions that will improve our well-being. This, in turn, achieves CIMB’s purpose of advancing customers and society.